Chargeback Is Winding Down
If you've been using Chargeback to track or cancel your subscriptions, there's an important deadline you need to know about. The company behind the app has announced it is joining forces with Flex, and as part of that transition, Chargeback has already stopped accepting new signups. The app itself is scheduled to stop working entirely on April 15, 2027, at which point all user data stored on its servers will be permanently deleted.
For the roughly 400,000 subscriptions the service says it has helped cancel since launching, this is a good moment to pause and ask: what happens to the subscriptions Chargeback was still watching, and what should you do before the lights go out?
What This Means If You're a Chargeback User
A few practical things to keep in mind during the wind-down period:
- No new signups. If you don't already have an account, you can no longer create one.
- Your data has an expiration date. Once the app stops functioning in April 2027, everything stored on Chargeback's servers — including the subscriptions it detected on your behalf — will be deleted for good.
- Support continues, but only for a while. The company says live chat and email support will remain available through the wind-down, so if you have refund questions or need help exporting information, now is the time to ask.
- Any subscriptions it was still monitoring need a new home. Automated detection doesn't help you if the tool watching your accounts disappears with no replacement in place.
If you've relied on an app like this to keep tabs on recurring charges, don't wait until the deadline is close. Export what you can, and start looking at how you'll manage subscription cancellations going forward.
Why "Set It and Forget It" Subscription Apps Are Getting More Complicated
Chargeback's pitch was straightforward: connect your email or bank account, let AI find every recurring charge, and let an automated agent handle the cancellation. It's an appealing idea, but it comes with a trade-off that's easy to overlook — giving a third-party app standing access to your inbox or bank account is a meaningful amount of trust to hand over, and when that company shuts down, restructures, or gets acquired, your data goes wherever the deal takes it.
This isn't a Chargeback-specific problem. It's a structural issue with any service built around permanent account access rather than a one-time task.
Cancel all your unwanted subscription with one simple click
An even easier solution then ChargeBack is the subscription scanner from Time to Cancel. You know what's even better: other then ChargeBack, Time to Cancel doesn't work with a monthly subscription.
The Regulatory Backdrop Is Shifting Too
Subscription cancellation has also become a bigger focus for U.S. regulators. The FTC's 2024 "Click-to-Cancel" rule — which would have required companies to make canceling as easy as signing up — was vacated by the Eighth Circuit Court of Appeals in 2025 on procedural grounds. But that hasn't ended the FTC's interest in the issue: in January 2026, the agency submitted a new Advance Notice of Proposed Rulemaking to revisit the rule, and it continues to bring enforcement actions against companies under the Restore Online Shoppers' Confidence Act (ROSCA), which remains fully in force regardless of the vacated rule. On top of that, roughly 30 U.S. states now have their own automatic-renewal laws, some stricter than what the federal rule would have required.
The takeaway: companies that make cancellation difficult are under more scrutiny than ever, but the rules are still in flux at the federal level. Until a new federal standard exists, the responsibility for actually getting a subscription canceled — cleanly, in writing, with proof — still largely falls on the consumer.
A Different Approach: One-Time, No Account Access Required
At Time to Cancel, we built our service around a different idea: you shouldn't have to hand over standing access to your bank or inbox just to cancel a subscription.
Here's how it works instead:
1. Upload a document — a bank statement, invoice, or contract, as a PDF or image.
2. Our system identifies the companies you can cancel, using a database of thousands of services we've researched directly, including exactly how each one needs to be canceled under its terms and applicable consumer protection law.
3. We send a formal cancellation letter on your behalf — not a hopeful automated request, but a documented, trackable legal notice.
You get confirmation, not a black box.
No login credentials. No permanent connection to your bank or email. Your document is used once, to identify the companies involved, and nothing sensitive is stored beyond that.
If You're Migrating From Chargeback
If Chargeback was tracking subscriptions for you, here's a simple way to handle the transition before the April 2027 shutdown:
- Log in and note down (or export, if the option is available) every subscription it was tracking.
- Pull a recent bank or card statement covering the last one to two billing cycles, to catch anything the app might have missed.
- Upload that statement to a service like TimeToCancel to get a fresh, independent read on what's actually being charged — and start canceling the ones you no longer want, backed by a formal letter rather than an automated request you can't verify.
Subscription creep doesn't pause just because the app that was watching it does. Whichever way you choose to handle it, the important thing is not to let a shutdown deadline turn into a gap where nobody — human or algorithm — is keeping an eye on your recurring charges.
