Continuous Payment Authority Terms & Conditions
Using Continuous Payment Authority
SkinViva Ltd offers it’s customers the opportunity to set up a Continuous Payment Authority, whereby customers can safely and securely provide their credit card details and SkinViva Ltd will take the payment following the parameters laid out by the customer.
SkinViva Ltd offers two agreements when setting up CPA:
1/ Limited Recurring Payments Agreement
- SkinViva Ltd can take variable payments at any time, within limits that you, the customer, places on:
- The total amount payable
- The payments interval
- SkinViva Ltd will ask you to allow an amount, up to a specified limit, to be debited from your card either at any time or a fixed interval.
- The amount and interval may both be subject to limitations depending upon the limited agreement option chosen.
- This allows payment to take place at any time or at a fixed interval. Payments can run indefinitely or over a fixed period.
- SkinViva Ltd will specify the amount to be collected from your card based on the amount left on your SkinViva Ltd account balance and the agreement amount the account is to be topped up to.
- Once the amount has been specified, payment will take place immediately unless it is not currently permitted because of the limitations set in the agreement.
- SkinViva Ltd can change the amount once the agreement has been created, but only within the limit originally agreed with the shopper.
- An agreement can be cancelled by you at any time.
2/ Regular Recurring Payments Agreement
- Your payments will occur at regular fixed intervals and you can fix or vary the amount paid.
- SkinViva Ltd will ask you to allow the same amount to be debited from your card automatically at a regular fixed interval.
- This allows payments to take place at a regular fixed interval.
- Payments can run indefinitely or over a fixed period.
- A regular agreement can initiate the payment whenever it is required.
- The amount only has to be specified once by you, when the regular agreement is created.
- If the amount is not specified when the agreement is created, the amount must be set at least two weeks before the first payment is due.
- You can change the amount once the agreement has been created.
- Note that the change must be made at least 8 days before the next payment is due.
- An agreement can be cancelled by you at any time.
What happens when you make a payment?
We will immediately deduct the amount from your specified account. You will receive an email confirmation at the point the payment is taken.
What happens when you set up regular payments?
Regular payments will be made via your chosen credit or debit card. It should be noted that this is not a Direct Debit therefore payments are not covered by the Direct Debit Guarantee. We will use a Continuous Payment Authority (CPA) that allows us to attempt to transaction payments after a previous failed payment attempt. The advantage of CPA is that you will not incur any charges directly from us or your bank for a failed payment that you could incur with a direct debit. However, you may be charged by your bank for overdraft fees or other fees related to your balance.
The initial payment will be deducted from your specified account, we will then deduct the outstanding payments on the payment due dates indicated in your confirmation email. Where the due date is not a business day, we will withdraw from your funds on the next business day. The payments will cease on the last due date listed in your regular payments. You will receive a confirmation email when the payment schedule has been paid in full.
What happens if you need to change your regular payments?
For any changes to be made please contact 0161 865 1141 as soon as possible. We can then make the necessary amendments.
If you want to cancel your regular payments
You must notify us at least 10 business days before the next scheduled transaction. To cancel your regular payments please telephone 0161 865 1141.
If you need to update your account information
Please call us on 0161 865 1141 at least 10 business days before the next scheduled transaction for the update to take effect.
If a transaction is refused by your financial institution
If your regular payment is declined for any reason, including insufficient funds, closed account, or unauthorised account, SkinViva Ltd will contact you on the email address provided when setting up the agreement and making your first payment. This email will notify you that payment has failed. It shall inform you that we will attempt to transact payment on each working day for the subsequent 2 working days. If the transaction is still refused after the 3rd attempt, the regular payments will be cancelled. All parties will receive an email from SkinViva Ltd informing us that the payment schedule has been cancelled.
If you wish to make a complaint
To raise any issues of concern you may write to SkinViva Ltd, 19B Quay Street, St John’s Court, Manchester M3 3HN quoting your Agreement Number and the details of your complaint. We will aim to respond to you within 15 business days.
We may share information we collect about you with external service providers. Our agreements with these service providers require that they protect your information and only use it to carry out the services they are performing for you.
If you think your account has been accessed without your permission, contact us immediately on 0161 865 1141. We also advise you to contact your financial institution.
Subject Access Requests
Under the UK Data Protection Act, You have the right to ask Us to see the personal information that We hold about You (this is known as a ‘subject access request’) by writing to Us. We may charge You a Subject Access Request Fee for each subject access request that You make. We will generally respond to a subject access request within 40 calendar days of receiving: (a) the Subject Access Request Fee; (b) information that We need in order to identify You; and (c) the information You need.
Continuous Payment Queries
If you have any queries, please feel free to contact us by telephone on 0161 865 1141 or via email on email@example.com.
Got a Question?
Continuous Payment Authority FAQ
Whilst you might have heard of direct debits and standing orders, continuous payment authorities are slightly different. They do not offer the same guarantee as direct debits and give the company taking the payment more flexibility about when and how much it takes from your account.
The CPA effectively gives the merchant or retailer permission to take money out of your account to cover the goods or services it provides on a regular basis. These amounts can vary each time. Once you have given permission for a CPA, it can become a recurring payment until cancelled.
While similar to standing orders and direct debits, CPAs can usually be spotted because they require you to provide your card number rather than your bank account and sort number.
Set-up - with standing orders and direct debits, you have an agreement with your bank to pay a fixed amount to an individual or company at regular intervals. In the case of direct debits, it’s a contract called a direct debit mandate. If the merchant, for example, an energy company, wants to increase payments, it must inform you in writing first.
In contrast, with a CPA, your contract is directly with the merchant, giving them permission to take money through your debit or credit card by providing them with the long number on the front of your card. Amounts may vary, for example, in the case of payday loan repayments.
Cancellation - you can cancel standing orders or direct debits whenever you like through your banking app, online bank account or by contacting your bank. If a payment is taken in error, the Direct Debit Guarantee means your bank provides a full refund – and you won’t have to rely on the company to repay you.
In the case of a CPA you cancel with your bank or the company taking the payment, and they are legally required to stop taking payments as soon as you request cancellation. You are still entitled to a refund if any money is taken without your permission, but it must be sought from the company in the first instance.
In most cases, you should be able to cancel by contacting the company taking the payment and asking it to stop. However, you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.
REMEMBER: IT IS YOUR RIGHT TO CANCEL CONTINUOUS PAYMENT AUTHORITIES DIRECTLY WITH YOUR CARD ISSUER
However, it is recommended you inform both the company taking the payment and your card issuer when cancelling a continuous payment authority.
You may also want to check your next statement to ensure the payment has been cancelled as requested. Keep in mind that you will still be responsible for paying any money that you owe.
• Payday loan repayments
• Gym memberships
• Magazine and website subscriptions
• Mobile phone and TV subscriptions
• Debt collection agencies
• Annual car insurance
Any regular payment on your credit card statement will be a CPA, as it’s the only type of regular payment you can make on a credit card.
• did so without unnecessary delay
• refunded any unauthorised payments
If a complaint is received by the Ombudsman, they will consider:
• how long it took you to cancel the CPA
• whether the customer gave you enough time to cancel the CPA
• whether your failure to cancel a CPA in time had an impact on the customer
Cancellation of a CPA can be done over the phone, by email or in a bank branch. It’s worth noting that cancelling a CPA does not absolve you of any debt. If you still owe the company money, you should get in touch with them to settle or it could affect your credit rating.
To continue payments from your new bank account debit card you’ll have to get in touch with the relevant company and provide your new debit card details.
The same will be the case if you close your credit card account and set up a new account with a new credit card provider.
• Contact the company first – and then your bank or card provider - to see if they can rectify the situation.
• Provide as much evidence as you can about what happened, including when you signed up for a payment, how much it was for, when you tried to cancel it and what you’re unhappy about.
• Your bank needs to give you their final response within 15 days for complaints about payment services. If you’re unhappy with their response, or if they don’t respond, you should contact the Financial Ombudsman Service (FOS), which is a free and independent arbitration service.
As well as having difficulties cancelling a CPA, customers might also complain about not authorising the CPA in the first place or being unaware one was being set up. They may also have concerns over the amount or frequency of payments, or not agreeing to renew after an initial term. In such instances you should also make a complaint.
- unauthorised payments (unless the merchant has already refunded these)
- charges and interest you’ve applied to the customer’s account as a result of unauthorised payments
- direct losses they’ve suffered, like charges from a third party because of missed or late payments
- distress and inconvenience they’ve suffered
- they’ve struggled to get you, the card provider, to cancel a CPA
- you didn’t cancel a CPA in time to stop a payment being taken
- didn’t authorise a CPA on their account
- were completely unaware they were entering into a CPA – this sometimes happens when signing up to a ’free trial’ offer
- didn’t agree to the amounts or frequency of the payments
- didn’t agree to renew the agreement after a fixed term