NachoNacho collects payments from your bank account to cover your NachoNacho credit card payments. If the payment fails, NachoNacho incurs a charge from our payment provider. This charge is passed on to you with zero markup. This fee is incurred each time a payment from your bank account fails, even if it is related to the same credit card payment. The best way to avoid this fee is to make sure there is sufficient balance in your bank account.