Hello Nomsa T, this is Paul, Padre's assistant.

It seems that there might be some misunderstanding about the 3 times of monthly payment.
At the moment of purchase, when choosing the 3 times payment method, you have agreed to pay the full amount of the study, in 3 installments. That means that the 2nd and 3rd debits will occur within the 2 months that follow the day of purchase.
When lacking funds, the debit will be postponed to the following month and/or until the credit card has funds. Even when this happens, please be assured that only 3 debits are made for each study that was purchased!
As for the banking info, you have nothing to worry about since the site complies with all the international banking procedures and regulations.
For more details, I do invite you to contact Padre directly and not here on this site.

Regards,
Paul