A repeat charge is always initiated by the merchant against a stored token — the bank does not take money on its own. So a subscription ends exactly when you stop sending charge requests, and no approval is needed for that.
What the merchant does
- Turn the schedule off in your system so the next request never goes out.
- Tell the client the date of the last charge and how long access lasts.
- If a charge already went through, issue a refund — full or partial.
What to tell the client
- Charges will stop without contacting the bank: the merchant initiated them, not the bank.
- Blocking the card is a last resort: it breaks the client other payments too.
- Access usually runs to the end of the paid period — worth saying out loud.
How recurring payments work is covered separately.
