Reason Code AP: Canceled Recurring Transaction

The cardholder claims the merchant processed a transaction after their payment plan ended or after they had canceled the subscription.

• The merchant forgets to cancel the subscription.
• The merchant completes a transaction after the closure of the cardholder’s account.
• The merchant increases the charge amount without communicating it to the customer.

• Never increase the charged amount without communicating it to the customer in writing.
• Avoid premature billings.
• Send the cardholder notifications of the upcoming transaction.
• Process a cancellation immediately.
• Make your cancelation policy easy to understand and readily available.

The card issuer gets 30 extra days to file a chargeback if they submitted a retrieval request which was completed after the 120 days.