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571 points gausswho | 5 comments | | HN request time: 0.748s | source
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Irongirl1 ◴[] No.44506284[source]
FYI: Everyone just use privacy.com

It allows you to make virtual cards that are single use.

So if a merchant keeps trying to charge you, it will automatically decline.

Until the powers that be gets its act together and stops allowing businesses to run all over us...this is the way.

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1. bramhaag ◴[] No.44508045[source]
Is there anything like this that accepts EU customers?
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2. sensanaty ◴[] No.44508088[source]
Revolut has a disposable card feature. I'm sure there's some regular old school banks that have this as well, ING in the Netherlands does as far as I remember.
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3. diggan ◴[] No.44508149[source]
Your bank might offer this already, just to check in case you haven't already. I think all banks I've had in Spain and Sweden has offered this feature within their web portal.
4. anon191928 ◴[] No.44508264[source]
revolut and others still try to charge you, even if you cancel the VIRTUAL card. when you ask them, why and how they you do that, they say you have some sort of agreement for the subs. service and you need to end it on your own via them. Bank can't do that?? they said something like that to me. So they literally support the dark pattent side, not on your side obv.
5. pimterry ◴[] No.44508389[source]
Revolut along with quite a few other modern EU banks let you manage recurring billing directly - in Revolut I can pick any transaction in the app, click "Block future payments" and that vendor won't be able to bill my card again until I unblock them. That's separate from virtual/disposable cards - you can use your normal card and still block individual vendors.

Honestly this seems like a pretty obvious core banking feature nowadays, I'm surprised it's not more widespread (even in the US - reliable cancellation features across all recurring card payments would surely make people more comfortable with subscriptions). Under the hood all banks (AFAIK) are handle recurring payments by issuing an authorization token at first purchase, and validating it on later transactions. Allowing customers to see the list of active tokens that were recently used and then revoke them explicitly seems like a no brainer.