What is Apple Pay is trying to take money from my card for?

Go here - Subscriptions and Purchases

or here - If you see "apple.com/bill" or an unfamiliar charge on your statement

If you see a transaction you do not recognize or have an issue with a transaction open Wallet>tap on the card used>tap on the transaction (photo 1)>tap on the amount (photo 2)>look for a report an issue link. (photo 3)

photo 1 - select the transaction

photo 2 - click the amount

photo 3 - click the link

I just got a notice from my bank that APPLE is charging me $1.49. It feels kind of sneaky since I got no update from Apple before hand . There should be some kind of 2 way security feature with PAYER acknowledging/confirming any payment going out to Apple. It’s like I’m in the dark, why I’m getting money taken out of a secured acct that I always have to do a step feature before any monies are moved. What can be done in the future so I know before hand the charge just in case I want to dispute it. Just a secure process where both parties are always satisfied and transaction is 100% confirmed. I don’t like getting money taken out of my acct if not made aware of , I think I speak the norm for all here, but it look apparently I spoke to fast , Thanks Apple , I might be wrong here if I am, I’m sorry about all the hot air but I can’t find any notice from Apple ? Confused