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September 2026 correction

Participation in Visa Account Updater and Mastercard Automatic Billing Updater depends on issuer, card programme, merchant and processor configuration. The prior market-size figure, American Banker anecdote, 5/2-business-day write rules, direct cardholder opt-out and specific API behaviour were not individually reverified against applicable rules in this pass and are no longer universal conclusions.

Cancel a subscription first in the merchant account and retain the confirmation email/page. Then ask the issuer whether the card programme participates in updater services, supports pause or limit controls, and provides a dispute path for an unauthorized renewal. Replacing, locking or closing a card does not prove the subscription was cancelled. Visa developer material: https://developer.visa.com/capabilities/vau。