Ride by attack states you charge at an opponent, is this just flavor text or an actual charge attack which can be multiplied when using a lance? I think it is flavor but a player is asserting it counts as a charge... ride by reads
"When you are mounted and use the charge action, you may move and attack as if with a standard charge and then move again (continuing the straight line of the charge). Your total movement for the round can't exceed double your mounted speed. You and your mount do not provoke an attack of opportunity from the opponent that you attack."