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> You can cancel your NYTimes subscription with a click if you live in California This is frequently echoed on HN, but my experience in California trying to ca

by Shank 4y ago

> You can cancel your NYTimes subscription with a click if you live in California This is frequently echoed on HN, but my experience in California trying to cancel NYT is that option wasn’t present at all. In fact, when I couldn’t reach a human to cancel for an hour, I gave up and paused the credit card associated with NYT. They then got declined 3 times, and force posted the transaction without approval. Then, it took a credit card dispute to resolve, at which point NYT lost because posting transactions without approval turns out to be a per-se violation of Visa’s merchant guidelines. So, I’m not sure if this is an account-based flag or AB test, but it isn’t a universal fact that you can cancel NYT in 1-click in CA.

chmod600 4y ago
What is "force posting"?
- Shank 4y ago
  > A force-post transaction allows the merchant to bypass the authorization process by manually entering a previously obtained authorization code. > The transaction is then routed through clearing and settlement and subsequently force-posted to the issuer. From: https://www.sbcp.bank/blog/banknotes-blog/how-fraudsters-are-using-force-sale-transactions-to-commit-fraud https://www.sbcp.bank/blog/banknotes-blog/how-fraudsters-are... In effect, a force-post transaction is just a normal transaction that didn't use the authorization process. It turns out that this is a thing that can happen!
lelandfe 4y ago
Hm, well, they used to - and they're required to: https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202120220AB390 https://leginfo.legislature.ca.gov/faces/billTextClient.xhtm... > The bill would require the business to provide a method of termination [of automatic renewal or continuous service offer] that is either online in the form of a prominently located direct link or button to cancel or by a termination email, as provided If you've got some, uh, spare time and money - sue away!

by Shank 4y ago

chmod600 4y ago

What is "force posting"?

Shank 4y ago
> A force-post transaction allows the merchant to bypass the authorization process by manually entering a previously obtained authorization code. > The transaction is then routed through clearing and settlement and subsequently force-posted to the issuer. From: https://www.sbcp.bank/blog/banknotes-blog/how-fraudsters-are-using-force-sale-transactions-to-commit-fraud https://www.sbcp.bank/blog/banknotes-blog/how-fraudsters-are... In effect, a force-post transaction is just a normal transaction that didn't use the authorization process. It turns out that this is a thing that can happen!

lelandfe 4y ago

Hm, well, they used to - and they're required to: https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=202120220AB390 https://leginfo.legislature.ca.gov/faces/billTextClient.xhtm... > The bill would require the business to provide a method of termination [of automatic renewal or continuous service offer] that is either online in the form of a prominently located direct link or button to cancel or by a termination email, as provided If you've got some, uh, spare time and money - sue away!