If your app works with money, don't forget to design for folks with inconsistent access to it. Don't keep retrying failed payments—it can cost a fortune in overdraft charges. Make it easy to halt and resume services. Debit payments ASAP. Be very, very clear about billing dates.
Yes. I seem to recall a change in law maybe 7-8 years back that either mandated no overdraft by default or at least option to disable it, but I don't recall the details.
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Really it's just irresponsible as a business to even accept ACH. It puts your customers at risk of all sorts of things they don't understand for the sake of saving something petty like 1.5%.
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A properly-configured Visa debit card won't let you overdraw, will decline authorization if there are insufficient funds.
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