Subscriptions

How recurring payments work and how to manage them.

What Recurring Payments Mean

Some merchants offer recurring payment plans — scheduled charges that happen automatically on a regular basis (weekly, biweekly, or monthly). When you agree to a recurring plan, the merchant sets up an automatic billing cycle for a fixed fiat amount.

How It Works

  1. Merchant creates the plan — the merchant sets up a recurring plan with a fiat amount, frequency, and your wallet address. You may be asked to authorize this during your initial interaction.
  2. Automatic charging — on each scheduled date, JoPay automatically creates a payment request for the plan amount. The USDC equivalent is recalculated at charge time using the current exchange rate, so the USDC amount may vary slightly between charges.
  3. Wallet authorization — for embedded wallets (Sequence), the charge is handled server-side. For external wallets, each charge creates a payment request that you may need to manually confirm.
  4. Notifications — you receive notification of each charge through the merchant's configured channels. The merchant also receives email notification if they have that setting enabled.
Recurring plans charge a fixed fiat amount each cycle. Because exchange rates fluctuate, the USDC amount deducted may differ slightly from one charge to the next.

Charge Frequencies

FrequencyInterval
WeeklyEvery 7 days
BiweeklyEvery 14 days
MonthlyEvery calendar month

How to Cancel

To cancel a recurring subscription:

  1. Contact the merchant directly — reach out to the merchant who set up the recurring plan. They can cancel or pause the plan from their dashboard.
  2. Ask the merchant to update the plan — the merchant can change the plan status to cancelled or paused using their recurring plan management page.
JoPay does not currently offer a self-service cancellation portal for customers. You must contact the merchant to stop recurring charges. If the merchant is unresponsive, see Report Fraud for next steps.

Failed Charges

If a recurring charge fails (for example, due to insufficient funds or a stale exchange rate), the system retries on the next scheduled cycle. After 3 consecutive failures, the plan is automatically paused and no further charges are attempted until the merchant reactivates it.

Limited Plans

Some plans have a maximum number of charges. For example, a merchant might set up a 6-month plan with a maximum of 6 charges. Once all charges are done, the plan is automatically cancelled and you will not be charged again.

Your Rights

  • You have the right to know the amount, frequency, and duration of any recurring plan before it begins.
  • You can request cancellation at any time by contacting the merchant.
  • If you believe a charge was unauthorized, you can report it through the fraud reporting flow.