Hey bunqers 🌈,
Do you want to block a merchant because they keep billing for an inactive subscription? In this article, we’ll see if this is possible and how to handle such cases yourself 🚀
So, can I block a merchant?
Yes 🎉 You can easily block a merchant by following these steps:
Go to 🏠 Home
Tap on the desired Bank Account
Select the card payment from a particular merchant
Tap on the merchant’s icon
Block Merchant
Another way to select from a list of merchants to block is the following:
Tap on your Profile in the top left corner
Tap on ⚙️ Settings
Security
Select the 🟥 Card Payments under "Blocked"
Tap on “+ Add Merchant”
Select merchant from the list
What will happen if a blocked merchant tries to charge me?
If a blocked merchant tries charging you, the payment will be blocked. However, if you're expecting a refund from the blocked merchant, you'll be able to receive it without any problem 🎉
Where can I review my blocked merchants?
You can get a clear overview of the merchants you’ve blocked by following the steps mentioned below:
Tap on your Profile in the top left corner
Tap on ⚙️ Settings
Security
Select the 🟥 Card Payments under "Blocked"
How can I unblock a merchant?
To unblock a merchant, follow the steps below:
Tap on your Profile in the top left corner
Tap on ⚙️ Settings
Security
Select the 🟥 Card Payments under "Blocked"
Select the merchant you want to unblock
Tap “Unblock”
Done ✅
Why did a blocked merchant charge me?
It can be frustrating to see a charge from a merchant you've already blocked. When you block a merchant in the bunq app, we prevent them from making new charges to your account.
However, a payment can sometimes still go through in a few specific situations:
The merchant uses a different business terminal: They might process the payment using a different Merchant ID than the one you blocked.
The payment is processed without prior authorisation: In some cases, a merchant can process a charge without sending us a notification first. This means we don’t have a chance to apply the block.
❗ Important: Blocking a merchant does not automatically cancel any ongoing subscriptions you have with them.
If a blocked merchant has charged you, here’s how you can resolve it:
Contact the merchant: Reach out to them directly to ask for more details and request a refund.
Cancel your subscription: Make sure to cancel any active subscriptions through the merchant's website or app to prevent future charges.
Request a chargeback: If you had already cancelled the subscription and were still charged, you can request a chargeback in the bunq app. Please provide proof of your cancellation.