Precisely this. And I realize it's not the same around the world, but recurring payments get really bad in large parts of the world.
If you, the customer, want to cancel a recurring payment and you're using ApplePay, it's one button and done.
If you're using 3rd party billing from $randomcompany, it usually works by you, the customer, trying to find who to call and spending a substantial portion of your time being badgered by customer retention people. They're set up to make it as difficult as possible because they know that they can make people give in if the effort is too high.
This is a huge part of the reason why companies want the second option - they want to own the customer, and for you to have to get permission from them to stop belonging to them.
I've had to deal with this type of thing in the past. Not often. What has worked for me was saying something like the following right off the bat when they try to keep me (but I guess it only works if not all of us do it :):
I get it. You are doing your job. You have a script. You have to try and keep me. It's not gonna work on me. Skip to the part of the script where you begrudgingly give in and cancel the service for me and you can take your next call quickly.
If you, the customer, want to cancel a recurring payment and you're using ApplePay, it's one button and done.
If you're using 3rd party billing from $randomcompany, it usually works by you, the customer, trying to find who to call and spending a substantial portion of your time being badgered by customer retention people. They're set up to make it as difficult as possible because they know that they can make people give in if the effort is too high.
This is a huge part of the reason why companies want the second option - they want to own the customer, and for you to have to get permission from them to stop belonging to them.