When you go to the Customer Hub (ie. select a customer) -> Configuration -> Payment Methods, you will have the following options:
NO AUTO-CHARGE: even if there are payment methods on file, the customer will not get auto-charged.
AUTO-DETECT: Kolleno will automatically choose the latest valid payment method added.
CARD: Kolleno will only choose a valid card on file. If there are no cards, no auto-charge will happen.
DIRECT DEBIT: Kolleno will only choose a valid direct debit (bank account) on file. If there are no direct debits, no auto-charge will happen.
Please note that the customer is charged on the day of the invoice due date. In case of Direct Debit, it is triggered a few days in advance for the payment to get debited on the day of the invoice due date.