[Tarang]

If its a fraud its a fraud you can get your money back. There's a difference between being cheated and wanting the service & being willing to pay for it.

I might point out on Paypal you get an email every time a charge is done and you can easily cancel any subscription in under a minute quite easily so you wont forget about anything.

Direct Debit (such as that offered by HDFC, Axis, etc) can also do the same thing, although it is more difficult to cancel than a credit card would be & less services are available to it.

Also consider if you pay cash/neft/rtgs/paytm for 12 months upfront instead of every 1 month recurring for a subscription service. Its going to be harder to get that back (and perhaps not possible) if you decide to cancel halfway than it would be with a credit card/paypal.

[kamaal]

>>If its a fraud its a fraud you can get your money back.

Sorry, but in a country where credit card companies send the local mafia after a person if they miss a few EMI's. No one is realistically going to trust 'dispute the transaction, get your money back' promise.

There will be so much fraud from both the ends, it will be hard to bring the chaos in control.

India needs a lot of social evolution before you could trust the public with these things. We can't even discard a biscuit packet properly, let alone these kind of things.

[scotty79]

I still prefer to pay up front. At least I need to carefully consider if I actually want the service.

I heard a lot of stories how hard is to get out of gym membership. If someone uses tricks in my psychology to make me pay for the service I don't use I consider it to be a scam. Visa might think otherwise.