ZeroPay unease - to be updated

This is my first time using a company like ZeroPay and it seems my situation is similar to a number of reviewers who have posted here - things go smoothly in signing up and for the first two installments which come off my credit card at the designated time and date with no issues. Then on the date of the third installment, a few minutes after payment was supposed to automatically come off my credit card I get an e-mail saying that payment has failed. My bank confirms that no payment attempt was made. I check my ZeroPay account and though they have told me that payment is due on 31 March at 12pm, on their system the third installment has been set to come off on 1 April. So I pay manually on 31 March, which is the due date, but because it is a bit after 12pm, they charge me a R125 late payment penalty. Also, even though I have now paid the last installment, and this has been taken off my balance, the next payment installment of 1 April still remains. I have just phoned them to ask that the R125 late payment penalty be removed - as they can't charge people a late payment penalty when they set the installment themselves to come off a day later (surely) and that they remove the payment instruction for another R1333 to come off my credit card on 1 April. I will update this post with the outcomes of my request - but let me record my unease.