As part of the set-up process, the business should get your permission (’standing authority’) to take payments … 3. Once the customer plan has been created - which can either be done directly by the customer via a web page, or via your own staff - you can sit back and let the system do the rest. You should be aware, no matter if the firm you are dealing with calls a continuous payment authority a ‘guaranteed payment’, ‘recurring payment’ or ‘recurring transaction’, it is still your right to cancel it directly through your card issuer. Go to the card provider - be firm. Name the company receiving the payment and any other information - such as how the payments appear on statements. Continuous payment authorities. You made the incorrect assumption that no payment could be taken and did not cancel your annual subscription. How do you stop the payments? Tell the card provider or bank that the payments should be stopped immediately. Those card issuers have now agreed to end this practice. A continuous payment authority (CPA) is a recurring payment that a business sets up on your card account using your debit or credit card details. Not sure what you mean by that term as the OP seems to have a recurring debit card payment arrangement, which is a CPA. It does not matter that the card had expired and yes you did agree (or would have done in the small print) that they could debit your account annually. You don't understand a continuous payment authority, it is just that. But with a continuous payment authority, you have to phone up the shop or credit card company, and ask them to cancel it. A continuous payment authority is a type of regular payment made using your debit or credit card. Yet this is how the credit card equivalent of a direct debit – the ‘continuous payment authority’ (CPA) – works. It’s set up when you give your card details to a company so they can take one or more payments from you at a later date. Continuous Payment Authority from credit/debit card These are like a direct debit or standing order paid directly from your credit card and I had one heck of a job trying to cancel a subscription a few years ago because although it's your money, only the payee can cancel the payment.....or at least that's how it used to be. To withdraw consent, simply tell whoever issued your card (the bank, building society or credit card company) that you don’t want the payment to be made. To cancel a payment, contact the card provider or bank via email, phone, letter, or in person. For instance, if your debit card’s expiration date reads 08/23, then it will expire at the end of the day on August 31, 2023. Debit cards typically expire within 2 to 5 years of their issue date, and are good through last day of the expiration month printed on the front of the card. AA customers have been very vocal on BBC Radio 4’s Money Box programme about the troubles they’ve had with continuing payments, regardless of attempts to cancel their subscriptions. As your case shows, they can and will still take the money even if your old bank card has expired. Firms can apply for the new card details and will process the payment unless instructed not to. (1) A firm must not exercise its rights under a continuous payment authority (or purport to do so): (a) unless it has been explained to the customer that the continuous payment authority would be used in the way in question; and (b) other than in accordance with the terms specified in the credit agreement or the P2P agreement. The law says you can withdraw your consent and stop a future payment under a continuous payment authority at any time up to the end of business on the day before the payment is due. Recurring card payments, sometimes called a continuous payment authority or CPA, enables you to collect regular or repeat payments from your customers. Direct Debit card payments are on CPA (Continuous Payment Authority) and don't need to be updated with new card details as it's done automatically.
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