First thing that came to my mind was; where I work, if employees do not get paid on time, company will have to deal with quite a lot of grief and substantial monetary loss due to the work arrangement company has. I am sure something like this exists in other jobs/industries/countries too. How come such a critical component was not taken care of?

Also, I had to wean off from using the Mint app because I was concerned about violating my bank's TOS by giving login credentials to a third party, and if something happens in future my claim will be a bit weak. So are SMBs not violating ADP's TOS by providing them login info?