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by lxgr
556 days ago
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Successfully cancelling/reversing a payment does not automatically extinguish any debit incurred, though. It's a great backstop to a company ignoring a cancellation, but I don't think it should be the default. It would be great to integrate a cancellation mechanism into the payment rails though, i.e. allow sending a proactive signal "your customer wants to cancel their service and next payment will fail". But that's definitely not the case for direct debits, currently. |
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The company could just not apply the debit, and instead send their customer a friendly message like,
"Heya! We regret to inform you that your payment method on file failed. We'll try a few more times over the next month, and then your account will be suspended, with the data retained for download/export and/or in case the account is reinstated. If you have any questions, or would like to make alternative payment arrangements, please call [phone number] during [normal office hours], and one of our billing specialists will promptly help you out. Thank you!"