CPA mess - subscription taken from expired card after 8 failures, cannot refund to expired card

born_again

Chrysalis said:

Would reporting card lost stop them? or they carry over same as normal card renewal?

I wish I had a £1 for every time someone suggests this & the person they told still gets debited. Visa Account Updater, Mastercard have their own version.

Even when a bank puts a stop on a CPA. This is logged on Visa/Mastercard own system, that retailers also use to update card details or check if cancelled. I have known retailers ignore it & still process them...

Have seen them come through 8 years after expiry. Seems this is covered in Visa regs that they can do this.... Crazy 😶‍🌫️

Chrysalis

Well I didnt suggest it, I asked the question, it would seem logical, else someone could steal card, you report it lost, but they setup CPA in mean time before its reported.

The question was specific to a card been reported as lost, not card expiry as you indicated in your last line.

born_again

Chrysalis said: 15 April at 6:29PM

Would reporting card lost stop them? 

To which the answer is NO. 

Visa Account Updater, Mastercard have their own version. Retailer simply requests new card details to process payment.

If it was not one set up by you, it can be reported as fraud. Retailer will then come back with customer acc details. So in these cases it's pretty clear it is not customer, as well as can check ip address used. (one good reason not to use VPN)

Chrysalis

Thanks for the clarification, I think I will remain sceptical about CPA's they just seem far less convenient to sort out than DD's, of which can be dealt with immediately simply by logging into internet banking.

I do the majority of my card payments now using a disposable virtual card on revolut.  Exception is probably amazon and food shopping (morrisons seem to have issues with processing cards that arent a normal debit card for me, lots of processing failures).

DullGreyGuy

grumbler said:

As a bank can't stop CPA, it starts rejecting payments to the company or refunding then.

Maybe @born_again can clarify but to the best of my knowledge a bank can stop them but its done by blocking the merchantID (the CPA one) for the card and so its a crude tool that would block all CPAs with that merchant not one specific one so wouldnt work if you had 2 insurance policies with the same company but only wanted to cancel the CPA for one of them.

Now maybe things have gone backwards since my last Payments project or perhaps our acquiring bank lied to us (though it was out sister company) but it was how things used to be.

born_again

DullGreyGuy said:

grumbler said:

As a bank can't stop CPA, it starts rejecting payments to the company or refunding then.

Maybe @born_again can clarify but to the best of my knowledge a bank can stop them but its done by blocking the merchantID (the CPA one) for the card and so its a crude tool that would block all CPAs with that merchant not one specific one so wouldnt work if you had 2 insurance policies with the same company but only wanted to cancel the CPA for one of them.

Now maybe things have gone backwards since my last Payments project or perhaps our acquiring bank lied to us (though it was out sister company) but it was how things used to be.

Spot on.
The systems are supplied by card providers & you use the retailer ID. So if you have more than one product with retailer, it will block them all. Or should. As I said I have known retailers ignore it. But that tend to be the less well known retailer. Never known any of the big CPA's do that. If you get the gist of what I'm saying.
There is also a option to stop all CPA, but it is something we are told not to use, as it can cause problems if customer wants to set one up.. But we have been known to use it when fraud CPA are set up.

System also takes 24 hours to update.