Yep see your point and agree totally on which problem they face most often likely. I did talk to customer service to get an explanation of the statement since

Yep see your point and agree totally on which problem they face most often likely. I did talk to customer service to get an explanation of the statement since it just looked weird. When I talked to him he did say that if the first smaller charge (50%) goes through, the system automatically tries one more charge on the same day for a lessor amount too. He stated very matter of fact it is to try and collect as much as possible of the total due. He didn't say what that amount would be though. I guess I am somewhat conflicted because I don't necessarily see this practice as all bad, but it does seem to have the potential to cause a problem for the very people that are most at risk to having an overdraft charge. After thinking about it I think you are right and it would not cause much of a problem for a traditional credit card, but for a visa debit card is where I could see the greater risk. I was curious too because how we setup our monthly billing for clients is if we get a denied charge we send the client an email and let them know we will retry the charge in 3 days. This gives them time to update their payment info if necessary or fix the issue before we retry. That seems more standard to me with an autopay type solution.