I recently had a shutdown, which led to me filing an arbitration. I'm not at liberty to discuss the vendor nor the terms of the settlement, but there is something that came up that might be useful.

The attorney representing the vendor is not an employee of the vendor, but said he does a lot of work for them. He said that his impression was that the main factor in my shutdown was the use of Checkfree Pay to pay the bill. The vendor didn't know where that money was coming from so it represented a compliance risk.

Interestingly, in this case, most of my payments were coming from a bank, and CFP was only a relatively small portion ($10K/mo).