R3 Charge

I have a problem with caption bank I use to have a subscription with Spotify and I didn't not pay them because I don't have money in my capitec bank account but when I put 50 in my account they used to take R3 and they did not explain to me until I called capitec to found out what the money is for they said it not getting money in my account for Spotify that is why it was charging me so I am not happy