What is a continuous payment authority?
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In short: Permission you give a company to take money from your debit or credit card on a recurring basis — unlike a Direct Debit, it is not protected by the Direct Debit Guarantee. You can cancel a CPA by telling your bank, which must stop future payments.
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Reviewed by Kaiser Khan
A continuous payment authority (CPA) lets a merchant take variable or recurring card payments — gym memberships, subscription boxes and payday loan repayments often use them. The company stores your card number and takes payment when it chooses within the agreement, rather than on a fixed date like a standing order.
CPAs are not covered by the Direct Debit Guarantee. However, FCA rules and the Payment Services Regulations mean you can cancel a CPA by instructing your bank or card provider — you do not need the merchant's permission. The bank must act on your instruction and refund any payments taken after cancellation if they were unauthorised.
For subscriptions you struggle to cancel, contact your bank to stop the CPA and check whether chargeback is available for the most recent payment. Keep a record of cancellation emails to the merchant. For essential bills, a Direct Debit or standing order gives clearer rights and predictable dates.
Primary source: gov.uk/consumer-protection-rights
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