Contract trap · Any contract
Charge any linked card
You pre-authorize charges to any payment method linked to the account, to card details refreshed by 'account updater' services and to repeated retries; removing or expiring a card does not stop billing; lenders add set-off against any deposit account and make autopay a condition of the loan.
- Severity
- Serious
- How often it turns up
- Common
- Holds up?
- Depends where you are
- Clause phrases
- 24
What it looks like in a contract
Redline matches these phrases against your document verbatim. Drafters rarely invent new wording — they copy it, which is why the same sentences turn up across unrelated contracts.
In English-language contracts
- any payment method associated with your account
- if your primary payment method is declined
- we may update your payment method using information provided by payment service providers
- account updater
- backup payment method
- we may attempt to charge your card multiple times
- retry the payment
- you authorize us to initiate electronic debits
- continuous payment authority
- from any account you have with us
- right of set-off
- automatic payments are required
In Russian-language contracts
- с любой из Привязанных карт
- повторные попытки списания
- при недостаточности средств на основной карте
- соглашается на автоматическое списание денежных средств с банковского счета Пользователя (банковской карты, привязанной к Личному кабинету)
- обновленные реквизиты карты
- в порядке предоплаты взимать плату до момента отказа
- заранее данный акцепт
- безакцептное списание
- с любого счета Заемщика, открытого в Банке
- право на списание денежных средств с любой добавленной карты
- автоматическое периодическое списание
- право Банка на зачет
Check your own contract
Paste a clause, a page or the whole document. Nothing leaves your browser: the matching runs here, on this page, against the phrases above.
Why it bites
Letting a card expire or deleting it is how many people try to cancel — these clauses defeat that, push charges to backup or reissued cards, trigger overdraft/NSF fees on repeated attempts and sweep salary from a linked account before rent is paid.
Is it enforceable where you are
The same clause can be routine in one country and void in another. What follows is what the law says where you are — not advice on your particular contract.
In the US, unconscionability and the FTC Act §5 bar on unfair and deceptive practices are the general backstops; in the EU and the UK, consumer standard terms are tested under Directive 93/13 and the Consumer Rights Act 2015.
United States
Enforceable with consent, but charging after a cancellation request violates ROSCA/Sec. 5 (Vonage 2022, ABCmouse 2020); Reg E 1005.10(e) bars conditioning credit on preauthorized electronic transfers; CFPB Payday Rule payment provisions require stopping after two failed attempts; Reg Z 1026.12(d) bars offsetting card debt against deposits absent an agreed plan.
- Cited
- CFPB
- Reg E 1005.10(e)
- Reg Z 1026.12(d)
- ROSCA
European Union
PSD2 — explicit consent for each series of merchant-initiated transactions, revocable for future payments, refunds for unauthorized ones (Art 73); SEPA direct-debit mandates revocable with an unconditional 8-week refund; 93/13 Annex (b) protects the consumer's own set-off right.
- Cited
- 93/13 Annex (b)
- PSD2
- SEPA
United Kingdom
Continuous payment authorities are cancellable with the bank (Payment Services Regulations 2017 regs 67-68); CONC 7.6 — HCSTC lenders get at most two CPA attempts; CMA principle 6 (no reactivation without express consent); set-off subject to the Standards of Lending Practice.
- Cited
- CMA
- CONC 7.6
- Payment Services Regulations 2017
Russia
С 1 марта 2026 (376-ФЗ, ст. 16.1 п. 4.2 ЗоЗПП) — после отказа потребителя, в т.ч. в электронной форме, использовать сохранённые платёжные реквизиты нельзя, списания после отказа возвращаются; заранее данный акцепт (161-ФЗ ст. 6) отзываем; условие о списании с любого счёта — ущемляющее (ВАС РФ № 146/2011); 353-ФЗ ст. 5 ч. 13.
- Cited
- 161-ФЗ
- 353-ФЗ
- 376-ФЗ
- ст. 16.1 п. 4
- ст. 5 ч. 13
- ст. 6
Where this has actually happened
Regulator actions, court rulings and the contracts they were fought over.
- Netflix Terms of Use — 'you authorize us to charge any Payment Method associated with your account'; card details updated by payment providers
- Яндекс Плюс, Условия подписки п. 2.5 — списание стоимости Подписки с любой из Привязанных карт
- Долями, Правила (2026): согласие на автоматическое периодическое списание с любой Привязанной карты с повторными попытками
- Займер, Правила (2026): «Кредитор имеет право на списание денежных средств с любой добавленной в Личном кабинете карты»
- Federal Law 376-ФЗ of 15 Oct 2025 (ст. 16.1 ЗоЗПП; in force 1 Mar 2026)
What to do
In order, from the thing that takes a minute to the thing that takes a letter.
- Cancel the subscription itself, not just the card
- Remove all backup cards
- Use a dedicated low-balance card or account for loans
- Revoke the continuous payment authority, ACH mandate or заранее данный акцепт in writing to both the merchant and your bank
- RU: from 1 March 2026 removing the card or refusing electronically ends the authorization and later charges are refundable (ст. 16.1 п. 4.2 ЗоЗПП)
- Dispute unauthorized retries as chargebacks.
Traps that travel with it
Drafters who use one of these usually use several.