Every screen assumed the money came from a card. A wallet has money coming in, a balance to hold, and money going out to any bill, any way — and once bills come out of that balance, a biller can pull a pre-authorized debit for any amount, on any day.

Up from 17%. A bounced payment used to mean a support ticket. Money leaving without warning was the riskiest part of the new surface, so that’s where I went deepest: limits on what gets auto-charged, a block that says why, and Quick Pay, which lets members cover the withdrawal themselves.