DO NOT USE ZEROPAY!

I wish I could give no stars. In the beginning all was okay with Zeropay. I made about 3 purchases this year and all paid up. On the last purchase, my pay was not yet in, it came in by the afternoon by 12 o clock but Zeropay tried to take the money in the morning and it bounced. I was charged R125 for this and a month later , just now a couple of minutes ago they tried to take that R125 and again it bounced and i got charged again. I will not be proceeding with them. I will be cancelling. Im very unhappy but I realise this is how they make their money, by charging interest if you dont have money in your account the morning of pay day. Some banks take longer to clear money, so my pay comes in later in the day but Zeropay doesn't care.