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What is a recurring payment?

A recurring payment on a debit/credit card is when you give the merchant the authority to automatically charge your card for a product or service at regular intervals (e.g., monthly) until cancelled. Recurring payments can be household expenses such as a phone bill or electronic bill, or a contract payment like gym membership dues. Other recurring payments include loan installments and charges for subscription services such as, Netflix, Amazon Prime or Spotify. 

When can I stop a recurring payment?

The best way to stop recurring payments on a debit/credit card, like utilities, subscription services or rent, is to contact the merchant/service provider directly. You may be able to do that online, by phone, in person or by mail, depending on the service. You should make your request at least three days before the next scheduled payment date, to avoid having another payment go through.

How do I stop or cancel recurring payments on my Debit/Credit card with the Merchant/Service Provider?
  • Online: If you have an online account with the merchant, you will need to log on. There should be information requesting to cancel services. 
  • Phone: Some merchants allow you to stop recurring payments by phone. Even if you cancel online, this is a good way to confirm the payments have been stopped.
  • Get confirmation: Make sure you keep a confirmation page, number or certified mail receipt to prove that you made a request in case you run into any trouble.
What if I’m in a contract with the merchant?

You’re allowed to stop recurring payments, but you’ll need contact the merchant/service provider to determine if this in anyway violates your contract, thus resulting in any cancellation fees. 

How do I stop or cancel recurring payments on my Debit/Credit card with Maps Credit Union?

If you’re not seeing any progress with the cancellation with the merchant, you can contact Maps and advise that you would like to request a stop payment on your debit/credit card. The representative will walk you through the process of completing your stop payment request. 

What are the criteria for requesting a stop payment with Maps Credit Union?
  • Must be a recurring transaction.
  • Must have already posted one time prior.
  • Must not be a pending transaction. 
How long is my stop payment good for?

If you have cancelled the payment with the merchant, you will need to clarify what their time frames are. If the cancelation was completed by Maps Credit Union, the request is valid for 30-90 days. If you request that we stop the “Next Payment”, the stop payment is good for 30 days. If you request that we stop “All Future Recurring Payments”, the stop payment request is good for 90 days.

Is there a fee to request a stop payment?

Yes. Please refer to the rate and fee schedule for up to date fee information.

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