Why are you suggesting that they pay online?  There are times when the IRS (or the Commissioner of the Day) says "Jump," when I don't feel obligated to ask "How high?"  My clients tend to be intelligent individuals with extensive but distinct life experiences.  Most have already decided how much banking to do online, and are aware of its advantages and drawbacks.  I will pass along the word from above, but it's like doctors telling expectant mothers to tough it out.  Not what I get paid to do.