I had payment issues with Hetzner too, that was back in 2018, haven’t used them since. At least back then, and at least for me, they were unlike any other provider I’ve used which would send you plenty of warnings if they fail to bill you. The very first email I got from them that smelt of trouble was “Cancellation of Contract”, at which point my account was closed and I could only pay by international bank wire. (Yes I just checked all my correspondence with them to make sure I’m not smearing them.) Amusingly they did send payment warning after account closure. Why not before? No effing clue. That was some crazy shit.