There's certainly no excuse for them not announcing this change, no debate about that. However, the payout schedule between Bill.com as the payment processor (

There's certainly no excuse for them not announcing this change, no debate about that. However, the payout schedule between Bill.com as the payment processor (an agent of the OP) and OP. Payment processors can and do hold funds for various reasons, and customers never should have been sent a late notice without someone actually checking the payment records themselves on Bill.com to see if payment was made.