How to cancel a recurring card payment

A recurring card payment (a continuous payment authority, or CPA) can be stopped — and you do not need the company's agreement. The basis is the Payment Services Regulations 2017.

What the law says

A payment is authorised only if you consented to it. Consent to a series of payments can be withdrawn at any time; after that, future payments in the series are no longer authorised (reg 67). So you can tell your bank or card issuer to stop taking them.

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How to cancel

1. Tell both the company and your bank (contacting the bank is enough — the company's agreement is not required).
2. Do it in good time, before the next payment is due.
3. Keep a record of when you asked.

If money is still taken

If a payment goes out after you withdrew consent, it is an unauthorised payment: ask your bank for a refund.

An important difference

A CPA (recurring card payment) is not the same as a Direct Debit (cancelled through your bank and covered by the Direct Debit Guarantee) or a standing order (which you control yourself). For a card CPA, your bank must stop the payments when you ask.

Remember

Stopping the payment does not cancel the contract: if you owe money under a subscription or credit agreement, the debt remains — sort the contract out separately, or you may face charges.

Source: regulation 67 of the Payment Services Regulations 2017. Checked 25 October 2026.