A budgeting app usually tracks your payments but does not make them, so missing one can lead to consequences from the bank, lender or bill provider rather than the app itself. Depending on the payment, you could face a late fee, interest, service restriction or a missed-payment mark on your credit file. Contact the provider promptly, explain what happened and ask about its options, while checking whether your app has reminders or payment features enabled. For guidance on priority debts, visit GOV.UK or speak to a free debt advice charity.