How do I cancel a recurring subscription that keeps charging me?
Last updated: 2026-07-12 · Educational content; not legal advice.
Short answer
Cut it off at two points: the merchant and the money source. First cancel with the merchant through its account settings and get a written confirmation. Then revoke the standing payment authority — for a card, tell your issuer to block recurring charges from that merchant; for an e-wallet or bank auto-debit, submit a written cancellation of the mandate. RA 11765 (Financial Products and Services Consumer Protection Act) and its BSP rules require providers to obtain consent for recurring charges and to give you a workable way to withdraw it. Any charge taken after you validly revoke is unauthorized and refundable.
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Frequently asked
Cancelling in the app didn't stop the charges — what now?
Go to the money source. Instruct your card issuer to block further recurring charges from that merchant, or cancel the bank/e-wallet auto-debit mandate in writing. Keep proof; charges after a valid revocation are unauthorized and you can dispute them with the issuer.
Do I still owe anything after I cancel?
You owe only what accrued for the period you actually used before cancellation, under the contract's terms. You do not owe charges for periods after a valid cancellation, and hidden or undisclosed renewal fees can be contested.
Can a merchant make cancelling deliberately hard?
A provider that keeps billing you while hiding or obstructing cancellation can be reported to the BSP under RA 11765's fair-treatment standards. Keep evidence of every cancellation attempt and each continued charge.
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