Visa’s Enhanced Subscription Manager lets cardholders view, switch, and cancel 150+ subscriptions inside their banking app, starting with North American issuers in summer 2026. For subscription businesses, this shifts the cancellation path to the bank: a failed renewal now surfaces at the same screen where subscribers can act on it immediately. The merchants who win are those with the highest authorization rates on recurring charges — routing each transaction to the most-likely-to-approve provider is now a churn defense, not just a revenue metric.