Just a thought! It would be great to offer your clients a manual payment option. I understand that you currently have a system that takes auto-payments, but what if the system can detonate a payment, if you pass the due payment date? For example:
If I owe Ting $50.00 and my due date is Jan 27th, 2014 and I do not pay before the due date or on the due date; the system automatically deducts the money on the following day "Jan 28th, 2014".
I personally like paying manually because this way, I don't have to hold on to the money and just pay before the due date, but if I fail to pay, I at least have a back up plan with the Fail over payment option?
I hope this idea sounds good to you? :)