When a payment on an auto-pay plan fails for something like insufficient funds, it is automatically tried again daily for 3 more attempts. The window between initial failed payment and retry should be at least 3-5 days or at the very least, should be customizable by the school.

Additionally, if a credit card/direct debit processing fee is generated and the payment fails and is handled and marked as do not post, the generated fee should not carry over and be added to the next payment attempt (creating duplicate processing fee charges).