Fastmail user here: you get a reminder a week or so ahead of time, and even if the payment doesn't go through, they don't shut down your account instantly. You

Fastmail user here: you get a reminder a week or so ahead of time, and even if the payment doesn't go through, they don't shut down your account instantly. You get a few reminders. I even emailed support to ask for some time to settle my credit card and were okay with extending it.