I developed a serious allergy to what were called "debit orders" when I used to live outside the USA many years ago. You would sign a form to allow the merchant

I developed a serious allergy to what were called "debit orders" when I used to live outside the USA many years ago. You would sign a form to allow the merchant to debit your bank account every month for (say) a subscription. Cancellation was theoretically possible by calling or mailing the merchant, but too many times, an extra payment (or two, or three...) went through and it was hell to get the money back. The banks were not much help - you would have to try to get the debit reversed, and it was no fun. I think I had a few similar experiences here in the USA, but I can't recall specifics. Now I pay everything in "push" mode via online banking, as silly as that may seem. I hope things like SEPA work better at revocation than what I experienced back in the day!