I always set the date explicitly, at 4/8/25.  I want my clients to make sure the payment was successful while there is still time to pay by 4/15.  I am not necessarily worried the transaction won't be attempted.  I'm more worried about insufficient funds and such.  I am also planning to send reminders to my clients on 4/1 that the payments will come out on the 8th.  (Can you tell I'm a little neurotic?)

AnnieK