Originally Posted by Konda

I get complaints sometimes from customers that they have been charged for overdraft fees, but I think this is actually when you rebill a customer sucsesfully but he doesn't have enough money on his card (for example he has a 1000 limit, and already spend 980, but the 30$ still gets aproved and so he spend $10 too much and gets the overdraft fee)
So they have like a negative balance, and for that they get a fee.

So in the case of overdraft the customer actually does get rebilled.

If the customer gets declined, I don't think there area any fees for him. It only costs you money (the per transaction free from your gateway).

So it's worth it to try rebill the customer at least a couple of times after a decline.