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Switching to direct debit payments can save £100 a year.
CanPay offers a mobile app that lets customers make debit payments.
It has around 80% of the offline debit payments market in America, while MasterCard has about 20%.
In this response, Mr Cox suggested the bank should cancel the demand for the three months' missed direct debit payments.
Meanwhile, Calder's mother has been charged £8 a day for unauthorised overdraft fees and £15 for refused direct debit payments.
The settlement, however, does not allow merchants to levy a surcharge on credit and debit payments beyond the cost of the transaction, as some merchants had sought.
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In the meantime we took another direct debit payment in error.
Subsequently we issued a cheque to cover this refund, including the additional direct debit payment".
Money reader Caroline Hazell bought a car last November and used the DVLA website to tax it, setting up the newly introduced monthly direct debit payment.
Citizens Advice said in one case a man in Surrey who went 20p overdrawn after a direct debit payment faced charges of £300 and the threat of court action.
"I only arranged to change my direct debit payment to TalkTalk from First Direct to Santander on 19 January, using the TalkTalk website.
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