I use SwiftCD. They have only caused me 3~4 problems in 3.5 years, and I suspect that all but one of those was due to either customer or Post Office error.

Stating you've had 3 or 4 problems is an unusable fact unless you tell us how many total transactions this is against. 3 or 4 out of 5 vs. 3 or 4 out of 5 million?