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> You have to sit through an online chat session which takes longer than it should. Apparently you’re not allowed to cancel your subscription until you answer t

> You have to sit through an online chat session which takes longer than it should. Apparently you’re not allowed to cancel your subscription until you answer the question, how is your day going? This right here is why PayPal won online payments. They're extremely consumer friendly. One button cancellation, no fucking around. I don't even bother going to sites any more, I just open PayPal and hit cancel. I basically won't work with anything that's not PayPal or Bitcoin these days due to hassles like this. Out of curiosity, does anyone have any experience getting their credit card company to cancel all future payments to a company? Is this easy to do?

deleted 10y ago
[deleted]
PKop 10y ago
Required a phone call with a little repetition of my request to 2 people, as well as explanation of the reason for canceling... but not that hard. (Chase Bank) Certainly not as simple as on online form though.
tghw 10y ago
Final will do it. They allow you to create a card for each payee, which you can cancel at any time. https://www.getfinal.com/ https://www.getfinal.com/ (I have a card, but am not otherwise affiliated with them.)
- problems 10y ago
  Looks cool but it's US-only, so not something I can use.
  - tigroferoce 10y ago
    Definitely. I had already commented on final, that a payment system that is US-only is not "the new payment system for the new century", but a "slightly improved 40-years old payment system". Things like PayPal are way better than it.
- Someone1234 10y ago
  Great service, but be careful simply cancelling payment and assuming the problem will solve itself. That's how people wind up being sent to collections with huge fees tacked on. For example, people regularly cancel cards or move and assume "the gym will figure it out" only to discover two years later that that $20/month bill is now a $600+ bill and they're being hounded by a collections agency. Credit scores make this even more risky (if you care about such things).
  - danpalmer 10y ago
    Agreed. Just cancelling your payment is the same as not paying as far as the company is concerned. You have to notify them that you wish to cancel your account otherwise they literally can't tell the difference.
    - problems 10y ago
      I've done this hundreds of times via PayPal and never had an issue. Maybe CCs come with different expectations or Internet companies just understand what not paying anymore means, but no issues so far.
      - danpalmer 10y ago
        The difference with PayPal is that they manage the subscription, and you're saying "stop my subscription", credit/debit cards have no concept of a subscription, so when you stop paying someone with one there is no communication of that to the seller. Example: if you stop your gym membership with PayPal, the gym's membership system will either be notified that your membership has been cancelled, or they will do some periodic check to see who has an active membership and update from that. If you stop your payments going through on a credit/debit card, it's essentially the same as having no money in your account, or your card being stopped because it's stolen. There's no communication back down the channel, you just can't bill it. As a result your membership starts to go into the red, which is usually allowed for a period because of payment issues. When they contact you with a bill months later they have every right to claim that money because you never ended the membership and could have been using the gym during that time. It is usually only through wanting good customer satisfaction that they might waive the fees for that period.
- throwanem 10y ago
  Is there anyone at all who provides this service on a debit basis? I deliberately don't carry revolving credit lines, and do not wish to start, but it seems like the only option if I also want virtual cards.
ascagnel_ 10y ago
If you go through a newspaper's companion app on iOS, you can subscribe using Apple's mechanism. It's usually a few dollars more each month, but you can turn it off through iTunes without any phone calls.
danpalmer 10y ago
You may find that this cuts out a large number of companies. Bitcoin is still at the point where having it in your checkout process will confuse most people for most consumer sites, which means decreased conversion, and lack of take-up. PayPal require large amounts of capital to be held as collateral, which has a significant impact on the cash flow of a business, and can make it essentially a non-starter to work with them. By all means limit to those if you value the UX highly enough, and I agree that they have a great UX in some ways for consumers. But do realise that it cuts out entire categories of companies.
- problems 10y ago
  I actually find it cuts out extremely few companies. Even Google I now pay via PayPal - a few businesses who can't for legal reasons do business with PayPal or for trust reasons (ie: chargebacks cost them big as their side of the deal is irrevetsible) like game key sites I do via Bitcoin. What companies are cut out like this?

deleted 10y ago

[deleted]

PKop 10y ago

Required a phone call with a little repetition of my request to 2 people, as well as explanation of the reason for canceling... but not that hard. (Chase Bank) Certainly not as simple as on online form though.

tghw 10y ago

Final will do it. They allow you to create a card for each payee, which you can cancel at any time. https://www.getfinal.com/ https://www.getfinal.com/ (I have a card, but am not otherwise affiliated with them.)

problems 10y ago
Looks cool but it's US-only, so not something I can use.
- tigroferoce 10y ago
  Definitely. I had already commented on final, that a payment system that is US-only is not "the new payment system for the new century", but a "slightly improved 40-years old payment system". Things like PayPal are way better than it.
Someone1234 10y ago
Great service, but be careful simply cancelling payment and assuming the problem will solve itself. That's how people wind up being sent to collections with huge fees tacked on. For example, people regularly cancel cards or move and assume "the gym will figure it out" only to discover two years later that that $20/month bill is now a $600+ bill and they're being hounded by a collections agency. Credit scores make this even more risky (if you care about such things).
- danpalmer 10y ago
  Agreed. Just cancelling your payment is the same as not paying as far as the company is concerned. You have to notify them that you wish to cancel your account otherwise they literally can't tell the difference.
  - problems 10y ago
    I've done this hundreds of times via PayPal and never had an issue. Maybe CCs come with different expectations or Internet companies just understand what not paying anymore means, but no issues so far.
    - danpalmer 10y ago
      The difference with PayPal is that they manage the subscription, and you're saying "stop my subscription", credit/debit cards have no concept of a subscription, so when you stop paying someone with one there is no communication of that to the seller. Example: if you stop your gym membership with PayPal, the gym's membership system will either be notified that your membership has been cancelled, or they will do some periodic check to see who has an active membership and update from that. If you stop your payments going through on a credit/debit card, it's essentially the same as having no money in your account, or your card being stopped because it's stolen. There's no communication back down the channel, you just can't bill it. As a result your membership starts to go into the red, which is usually allowed for a period because of payment issues. When they contact you with a bill months later they have every right to claim that money because you never ended the membership and could have been using the gym during that time. It is usually only through wanting good customer satisfaction that they might waive the fees for that period.
throwanem 10y ago
Is there anyone at all who provides this service on a debit basis? I deliberately don't carry revolving credit lines, and do not wish to start, but it seems like the only option if I also want virtual cards.

ascagnel_ 10y ago

If you go through a newspaper's companion app on iOS, you can subscribe using Apple's mechanism. It's usually a few dollars more each month, but you can turn it off through iTunes without any phone calls.

danpalmer 10y ago

You may find that this cuts out a large number of companies. Bitcoin is still at the point where having it in your checkout process will confuse most people for most consumer sites, which means decreased conversion, and lack of take-up. PayPal require large amounts of capital to be held as collateral, which has a significant impact on the cash flow of a business, and can make it essentially a non-starter to work with them. By all means limit to those if you value the UX highly enough, and I agree that they have a great UX in some ways for consumers. But do realise that it cuts out entire categories of companies.

problems 10y ago
I actually find it cuts out extremely few companies. Even Google I now pay via PayPal - a few businesses who can't for legal reasons do business with PayPal or for trust reasons (ie: chargebacks cost them big as their side of the deal is irrevetsible) like game key sites I do via Bitcoin. What companies are cut out like this?