A follow up. Looking at the commentary for section 205.10 in section 3 it talks about debit cards, but I believe the intent with this is when someone pays their gym membership using their debit card, for a recurring monthly debit. Perhaps that is what your system is trying to cover with that language?
10(c) Consumer's Right To Stop Payment
1. Stop-payment order. The financial institution must honor an oral stop-payment order made at least three business days before a scheduled debit. If the debit item is resubmitted, the institution must continue to honor the stop-payment order (for example, by suspending all subsequent payments to the payee-originator until the consumer notifies the institution that payments should resume).
3. Alternative procedure for processing a stop-payment request. If an institution does not have the capability to block a preauthorized debit from being posted to the consumer's account – as in the case of a preauthorized debit made through a debit card network or other system, for example – the institution may instead comply with the stop-payment requirements by using a third party to block the transfer(s), as long as the consumer's account is not debited for the payment.
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