Payments veteran details OpenAI support loop failing his subscription charge

SkepPskep · reddit · 2026-09-09

A Reddit user with 17 years in payment processing (former AVP at a US credit union) documents his failed ChatGPT subscription charge: three payment methods declined from the UK with no authorization request ever reaching his banks. OpenAI's LLM support agent "Klark" looped on "check with your bank" despite his full merchant-side analysis and suggestion to check settlement reports. His takeaway: payment processing remains AI-proof, at least at OpenAI — while Anthropic "took my money" without issue.

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