Surprise debits destroy subscription trust

Payers cancel when they cannot see what will be pulled, when, or how to stop it. TAPA mandates spell out who debits, how much, how often, and how to cancel — before OTP, paper, or hybrid authorization.

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Mandate lifecycle

  1. 1Create mandate from your billing or ERP system
  2. 2Payer authorizes via OTP, signed paper, or hybrid
  3. 3Poll bank verification until the mandate is debit-ready
  4. 4Collect on schedule with advance notices to payers
  • Debit cap and frequency shown before the payer authorizes
  • Advance notice before each scheduled pull
  • Payer portal for mandate status and cancellation
  • OTP, paper upload, and hybrid sign-off for local authorization
  • Live bank verification status via merchant API