You checked your bank statement this morning, and there it was again—another charge from EPOCH.COM or maybe MGBILLING. Your heart sank because you thought you’d already canceled that subscription weeks ago. You’re not alone in this frustration, and the worst part? That recurring charge will keep hitting your credit card until you follow the exact steps that actually work.
Most people trying to cancel Epoch payment make one critical mistake that keeps the money draining from their bank accounts. Payment processors like epoch.com don’t make it obvious how their billing support system operates, which is why thousands of users continue seeing charges long after they believe they’ve unsubscribed. A comprehensive, step-by-step guide on how to put an end to recurring payments without excessive details; all information has been determined to have real value in 2026.
Why Are You Still Being Charged? The Real Reason Epoch Payments Don’t Stop
The authorization epoch system works differently than you’d expect. When you signed up for that membership, Epoch Payment Solutions stored your payment details across their entire merchant network. Simply updating your credit card or calling your bank won’t stop the cycle.
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Here’s what actually happens behind the scenes:
Epoch processes transactions for adult content sites, gaming platforms, and niche subscription services. When you think you’ve canceled, you’ve often only removed access to one site—not the underlying billing authorization. Your bank accounts remain connected to multiple merchants under the Epoch umbrella.
The billing cycle operates on pre-authorization windows. If you cancel on Monday but your renewal date is Friday, that charge will process anyway. The payment to epoch.com was already queued in their system 24-72 hours before the actual transaction appears on your statement.
Pro Tip: Canceling doesn’t mean stopping—you must verify the cancellation processed AND cleared from the authorization queue.
Free trials convert automatically at exact timestamps. Miss the cancellation window by even one hour, and you’re locked into another full billing period. The recurring charge isn’t fraud; it’s coded into the terms and conditions you agreed to during signup.
Many users discover they’re paying for multiple subscriptions through Epoch without realizing it. Cross-selling during checkout means one initial purchase can spawn three separate recurring payments. Your receipt will reference either: EPOCH.COM (or EPOCH), which is your payment processor for various merchants, or EPOCH/LATOURAINE, or ICFTTECHN; or another phone number/DCN — all different merchants but share the same Payment Processor (EPOCH).
Cancel Epoch Payment Fast in 2026 — The Method That Works in Minutes
To successfully cancel your Epoch subscription, you’ll need to have all the details from the transaction, including your last 4 digits of the credit card number used for purchase from Epoch (as they are not able to pull this data). You’ll also need the approximate date of the original transaction and the email address used at signup. Use your last four digits of your credit card and look up the date located on your bank statement showing when you purchased with Epoch.
Direct Cancellation Through Epoch Customer Support
Open the website: epoch.com, then go to ‘Find Purchase or Customer Support.’ This isn’t buried—it’s usually in the footer or main navigation. Enter your email and the last four digits of your card tied to the subscription.
The system displays all active recurring payments linked to your payment details. You’ll see membership names you might not even recognize. Select each subscription individually and click the cancellation option. The confirmation page generates a reference number—screenshot this immediately.
Pro Tip: Save every confirmation number as a PDF and email it to yourself with the date in the subject line.
Email Cancellation Method
Send your cancellation request to support@epoch.com with this exact format:
Subject: Urgent: Cancel Subscription – [Your Email] – [Last 4 Card Digits]
Body:
- Full name on account
- Email used during signup
- Last four digits of the credit card
- Transaction date (approximate)
- Explicit statement: “I request immediate cancellation of all recurring payments.”
- Request for written confirmation
Response time averages 24-48 hours. If you don’t receive confirmation within 72 hours, follow up or escalate to phone support.
Phone Cancellation Route
Call 800-893-8871 (Epoch’s primary customer support line). Best calling times are Tuesday-Thursday between 10 AM and 2 PM EST for the shortest wait times.
Have your information ready. The representative will verify your identity using the first six digits and last four digits of your payment card. Explicitly state: “I want to terminate all subscriptions processed via Epoch that are connected to this payment type.”
Request a confirmation number and the representative’s name. Ask them to send an email confirmation to your registered address. This creates a paper trail if disputes arise later.
Most People Miss This Step When Trying to Cancel Epoch Payments
The biggest mistake? Assuming one cancellation stops everything. Epoch Payment Solutions operates as a payment processor for dozens of merchants. Canceling access to one website doesn’t terminate the recurring charge if you have multiple linked subscriptions.
Check for these hidden subscription traps:
- Network access memberships that bundle multiple sites
- Partner site subscriptions are activated during checkout
- Trial conversions you forgot about
- Separate billing for “premium” vs “basic” tiers on the same service
Getting a new credit card doesn’t stop Epoch charges. Payment processors use automatic updater services that receive your new card details directly from your bank. The electronic money transfer continues seamlessly even when you think you’ve cut off access.
Timing matters critically. Subscription services have billing cycle cutoff dates—usually 48-72 hours before renewal. Cancel outside this window, and you’re charged for another full period. The money management aspect requires tracking when your next charge date occurs, not just when you decide to cancel.
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Epoch Subscription Cancellation: What Happens After You Cancel?
Access termination varies by merchant. Some sites cut you off immediately upon cancellation. Others maintain access until the end of your paid period. Neither approach affects whether you get refunded for unused time—most subscription services operate on a no-refund policy for partial periods.
You could still have charges after cancellation for up to 10 days, as authorisation requests will still be in the system when the cancellation is processed. Your bank(s) will show pending previously queued charges that were submitted before your cancellation was processed. This is normal and should be the last charge you incur.
| Post-Cancellation Timeline | What to Expect |
|---|---|
| 0-24 hours | Confirmation email arrives |
| 24-72 hours | Access may terminate |
| 3-10 days | Final pending charges process |
| 30 days | Monitor statement for any new charges |
| 60-90 days | Safe to stop monitoring if no activity |
Pro Tip: Set a calendar reminder for 30, 60, and 90 days post-cancellation to verify no new charges appeared.
Epoch retains payment data for compliance with Financial Conduct Authority regulations and payment services regulations. Under GDPR and CCPA, you can request complete data deletion. Email their privacy team, citing your right to erasure, but understand they may retain transaction records for tax and fraud prevention purposes.
Marketing emails continue unless you specifically unsubscribe. Win-back offers promising discounts will flood your inbox. These emails come from the merchant, not Epoch directly. Use the unsubscribe link or set up email filters to block them.
Still Seeing Charges? How to Stop Future Epoch Payments Permanently
Charges that are charged after 10 days of cancellation, escalate ASAP. Go back to the billing portal at epoch.com and check if your cancellation status shows as Inactive/cancelled. If there are active subscriptions, you never successfully cancelled the epoch payment.
The Virtual Card Solution
Download a money management app like the Emma app or use virtual card services from Privacy.com. These tools let you generate single-use or merchant-locked card numbers. Once you cancel, delete the virtual card—Epoch can’t charge a number that no longer exists.
Emma app specifically helps track subscriptions across all your bank accounts. Link/Connect your accounts through the app, and it will automatically categorise expense types and notify you about any recurring subscriptions you may have overlooked. You’ll be able to see all the money being taken out for subscription services on 1 screen.
Pro Tip: When you create new cards for each subscription or monthly charge, you’re able to remove them individually without impacting all of the other subscriptions.
Bank-Level Blocking
Call your credit card company and ask for a merchant-specific block on your card for Epoch transactions — make sure that you provide them with the merchant descriptor information, such as EPOCH.COM and MGBILLIN, etc., that appears on your statement. Most banks implement these blocks within 24-48 hours.
This differs from getting a new card. The block prevents future charges from that specific merchant while keeping your card active for everything else. You won’t experience service interruptions to legitimate paid subscriptions.
Formal Dispute Process
If you have received charges on your account after you received confirmation of your cancellation, please file a chargeback with your bank’s dispute department using:
- Cancellation confirmation email or number.
- Screenshots of the cancellation confirmation.
- Statement showing the charge(s) after the cancellation date.
- Timeline of the attempts made to cancel.
The Currency Cloud System’s system, called Epoch, utilizes payment networks in a typical manner, and therefore, transactions follow normal dispute resolution rules as outlined on the Chargeback site. Resolution takes 45-90 days, typically. Your bank provides provisional credit while investigating.
Cancel Epoch Payment Fast Without Support — Is It Really Possible?
True self-service cancellation exists, but with major limitations. Some merchants provide direct account access, so you can cancel subscriptions without contacting Epoch. To request a chargeback or issue a dispute for an Epoch transaction, look for either “My Account” or “Billing Settings” on the original website where you signed up.
In addition to these traditional methods, there are online cancellation services such as DoNotPay that state they will cancel an Epoch payment for you by using simple automated processes.
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- Retrieving confirmation of the order (purchase) made online through your email
- Determine the “merchant” and the “payment processor.”
- Submit a request to cancel the order with any required identification
- Monitor progress until you receive verification that the order has been cancelled.
80%Success of payment services like Epoch is approximately 60%-70%. The 30%-40% failures are received as the result of the verification process, by which Epoch must confirm that it is the actual account holder (as opposed to a bot).
Popular subscription management tools comparison:
| Service | Epoch Support | Cost | Success Rate |
|---|---|---|---|
| Emma app | Yes – tracking & alerts | Free tier available | 85% (manual confirmation) |
| Truebill/Rocket Money | Limited | $3-12/month | 65% |
| DoNotPay | Yes | $36/year | 60% |
| Privacy.com virtual cards | Indirect (card deletion) | Free basic tier | 95% (prevents future charges) |
There is a fallacy of immediate cancellation. The Human verification of cancelling recurring payments is enforced by the Payment Services Regulation (Anti-Fraud) legislation.
For complex situations—bundled subscriptions, international payment processing, disputed charges over $100—professional support contact beats DIY methods. The phone number 800-893-8871 connects you to representatives who can access backend systems and force immediate cancellation.
Building a Prevention System
Before signing up for future subscription services:
- Use virtual cards from day one
- Set phone calendar alerts 3 days before the trial ends
- Save confirmation emails in a dedicated folder
- Track budget using apps that monitor bank fees
- Read the directory cancellation policy before providing payment
Pro Tip: Screenshot the cancellation policy page during signup—merchants sometimes change terms and claim you agreed to non-refundable conditions.
Password managers like 1Password or Bitwarden let you store subscription details in secure notes. Tag entries with renewal dates and cancellation instructions. When that date approaches, you have everything you need to cancel the subscription quickly.
The investment universe of subscription services grows constantly. Average consumers now carry 12-15 active subscriptions. Without tracking systems, you’ll forget what you’re paying for. Tools that connect accounts and categorise expenses save more money than their cost.
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FAQs
How do I cancel an Epoch payment?
To cancel an Epoch payment, visit epoch.com and click “Find Purchase” or “Customer Support,” then enter your email and last four card digits to locate and cancel your active subscriptions. Alternatively, call 800-893-8871 or email support@epoch.com with your account details and explicitly request cancellation of all recurring payments—save the confirmation number they provide.
How do I stop paying for Epoch Times?
To stop paying for Epoch Times, log into your account at theepochtimes.com, navigate to “My Account” or “Subscription Settings,” and select the cancellation option—save your confirmation number. If you can’t access your account, call their customer service directly or contact your bank to request a merchant-specific block on Epoch Times charges while you resolve the cancellation.
How to get a refund from Epoch?
If you want a refund from Epoch you will need to contact Epoch’s billing support via support@epoch.com, or by calling 800-893-8871 within 24-48 Hours of the charge, explain the reason for your refund request (for example: Unauthorized charge, Technical difficulties, or you Did not receive the service) and include all relevant transaction information; If Epoch denies your request for a refund, you can submit a chargeback dispute through your credit card company with documentation that shows the charge was not authorized or you were not provided with the service that was promised.
Why is Epoch.com charging me?
You will be charged by Epoch.com because it facilitates the collection of subscriptions (for different types of services, including adult content, video games, or other niche membership sites) that you agreed to sign up for. Check your email for order confirmations or use the “Find Purchases” tool on the Epoch website to locate the store being billed by this payment processor.
How can I stop the recurring payment?
To stop recurring payment, visit epoch.com and use “Find Purchase” to locate your subscription, then cancel it directly through their portal, or call 800-893-8871 to cancel over the phone—always save your confirmation number and monitor your bank statement for 30 days to verify charges stopped completely.
Final Thought
Your next move depends on your current situation. If you’re actively being charged, cancel the Epoch payment today using the phone or email method. Do not wait until your next billing cycle; take action against being charged within the next 24 hours.
Use the bank’s app to set up payment monitoring or find a separate money management tool to monitor payments. Enable notifications for any transaction over $10. This catches unwanted recurring payments before they become expensive problems.
Document everything. Something to consider about subscription services is that the risk associated with them is their self-automated way of charging you; they will continue to charge you until the subscriber cancels. Your only form of protection is the ability to produce a record showing precisely what day and by what means you cancelled your subscription.
Remember: payment processors like Epoch aren’t the enemy. They’re just doing what merchants hired them to do—collect recurring payments. The power to stop those payments sits entirely in your hands once you know the right steps. Take control of your bank accounts today, and those mystery charges disappear for good.
Pro Tip: Bookmark this guide and share it with anyone asking “Who charged me?” when they see EPOCH.COM on their statement—you’ll save them money and frustration.
Ansa is a highly experienced technical writer with deep knowledge of Artificial Intelligence, software technology, and emerging digital tools. She excels in breaking down complex concepts into clear, engaging, and actionable articles. Her work empowers readers to understand and implement the latest advancements in AI and technology.
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