@JustJordds they’re called “continuous payment authorities” and they are created by a merchant against a card but they continue to work regardless of the cards status: my understanding is that the logic is because they’re authorised in advance that it’s assumed that if a card is cancelled – e.g: because it has been stolen – the card holder likely wishes to continue with the pre-authorised payments. I’m not sure how popular CPAs are nowadays but they used to be common, so they’re worth keeping in mind when seeing a recurring charge against a cancelled card.
So in effect, they are like a DD or Standing Order - in which case you’d likely know/ expect the transaction and it wouldn’t hit you as a surprise?
@JustJordds sort of, typically they’re associated with a recurring subscription – e.g: monthly apple charges – but there’s no (as far as I know) explicit disclosure that the payment you’re making will result in the creation of a CPA. My understanding is that they’re invisible to users, it’s a choice made in the background by the merchant as to whether they want to set up a CPA or not, you would only usually realise that there is a CPA when you cancel your card and you’re still billed. For most people that’s fine, but for some people – who expect that cancelling their card means merchants who hold the details can no longer charge them – it can be confusing / surprising. An invisible direct debit is probably a good way to think of them, as they allow variable charges (unlike a standing order).
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Just like a DD, but could be linked to a credit card, rather than a current account, I believe.
Yeah sorry, I just remembered having this discussion once and didn’t think properly
I asked the same as you 
But I guess in this thread it was a CPA like in the linked thread