Your alternative to using the cancellation service is to code the customer's card in the VAU as "Contact Cardholder" advice. VISA Operating Rules state this reason code can be used if:
The account is closed, has been reported as lost or stolen, or is not maintained.
The Cardholder requests that specific new information not be provided.
The Issuer cannot or will not provide specific information.
In other words, the cardholder has the right to opt-out of the service. Of course, if they do so, then not only with the merchant they are trying to stop not receive the updated information, none of their other merchants initiating recurring payments will either.
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