I've given up on on-line agencies completely and now use the TAB's only.

Advantages: Much more variety of bets any day of the week and all meetings covered. Easy cash withdrawal or deposit at any TAB outlet. No min. [OK 50c] or max bet amount and your account will never be closed due to winning and here is a biggy for some punters: Puts your credit card out of harms way [unless specially credit card deposit arrangements are made] due to easy on-line deposit, especially if a punter has been drinking.

Disadvantages of betting with the TAB: Slightly lower payout [2 cents divvy mostly] but often more divvy bet payout during the week because of the 'smoke and mirrors' trick of 'better than 2 totes [only]' used by ALL agencies on all days except Saturdays. Often it is YOUR regular tote that is the 3rd. one that is paying more !!
Average it out at the end of the week and it is a bit of a con job for the smallish punter [they are 99% of the customers]. The $ difference is pathetic and absolute peanuts when considering an overall small weekly profit or loss % of turnover for a 12mth. period.

Some on-line agencies pay best of 3 totes on Saturdays [only] for very good reasons and they are because Saturday is the only day of the week where big[ish] differences over 3 totes is a very rare thing indeed. It's amazing how even most prices over the 3 totes are on Sat. compared to during the rest of the week. That is simply because the larger the pools, the smaller the tote differences and the biggest pools are of course on Sat. :-))

You are either going to lose a tiny bit less by betting through an agency or win a tiny bit more and if you are capable of winning regularly, the argument is academic as you will be banned or have your bets restricted by any agency [you have given them the right to do both in all agency contracts]. They don't want your business as they are there to take your money, not give you theirs !

Cheers.