With my bank, when you process, online, a payment, it automatically goes out on the following day. If I authorize it on Friday they will send it on Saturday. I can also request any future date I want. Is there a problem if they process it on Shabbos?
here is what my rebbe's take on it (though the article itself is written by someone else, but it is on my rebbe's website): http://www.koltorah.org/ravj/kinyanONinternet.htm