Depending on how the creditor is, they may refund your payment for you if you call them and explain the situation. Or they'll waive your payment for next month. I did this on a loan once. Set it up for auto payments, forgot and made a manual payment. They couldn't reverse my payment but did waive the payment due for the next month. With my car payments, they usually undo the transaction (I accidentally made the wrong payment once and they reversed it for me so I could make the right payment). It all depends on your lender... and of course whether or not you can swing the payment without defaulting elsewhere.
Jay Robb protein powders... I thought they gave you a headache? That must have gone away???