I have been hit many times with unintended auto-renewal. The merchant hides a clause in terms & conditions that the subscription will be auto-renewed upon expir

I have been hit many times with unintended auto-renewal. The merchant hides a clause in terms & conditions that the subscription will be auto-renewed upon expiration, then at the end of the year, wham! you get hit with an unexpected charge. Then you have to call the merchant to cancel, be on hold for 30+ minutes, the whole rigmarole. What is Visa doing to protect the consumer in this case? Auto-renewals should always be explicitly opted-in by the cardholder.