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<p>A Continuous Payment Authority, or CPA, is defined as consent given by a customer
for a payment service provider (for example, a customer’s bank) to make one or more
payments from a customer’s payment account. They are often established to enable regular
payments to be made for goods or services via a payment card - for example, for a
magazine subscription - and are distinct from Direct Debits.</p><p> </p><p>The Payment
Services Regulations regulate how CPAs are established, and the rights and obligations
of payers, payees and payment service providers. In its published guidance on the
regulations, the Financial Conduct Authority (FCA) states that consumers have the
right to cancel CPAs by contacting their payment service provider at any time before
the end of the business day before a payment is due to be made, and to obtain an immediate
refund from their payment service provider if any future payments are debited from
their account after they have revoked their consent. The customer may raise a complaint
with their payment service provider if unhappy with their response. If this does not
rectify the issue, the customer is able to complain to the Financial Ombudsman Service.</p><p>
</p><p>Furthermore, the Department for Business, Energy and Industrial Strategy is
considering what further action to take on subscription contracts to: prevent consumers
being charged unexpectedly; to make it easier for consumers to cancel unwanted subscriptions
(including free trials and auto-renewals); and to avoid them facing unreasonable charges.</p>
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