I did obopay a few weeks ago on SR and I don't remember there being any charges to my debit card. I did have to confirm via a phone call from them though.
I did it through SR and had the small amounts placed on my debit card. Took about 3-4 days for it to show up in my account but I did sign up on a Friday night. It credited on SR quickly though.even before the charges were in my account. Low amounts, like 20 something ¢ and 50 something ¢.
Still waiting for my card in the mail and for the to fix my account. I went through the SR link to get $10 and they only credited my account with $5.
Time for another phone call.