Discharging one's zakaat late

Regarding Zakat Al-maal, what is the ruling on one who pays this late, like a day after his anniversary? Is there any sin on him? Because he was trying to find a suitable charity that he trusts, for the imam he was used to giving his zakat Al-Maal to was somewhat dubious in the end. This caused him to be late in paying his Zakat, while he was trying to find a suitable cause. So what is the ruling on this, and on the one who pays this late out of
laziness? What happens to his reward in both cases?