This seems like a way to squeeze money from users who forgot about their sub with unsuspecting payments.

If the service is declined and they use it, they would just resubscribe.

This is just basically a tool for businesses to scam unsuspecting customers?

Also - do the customers agree for you to charge their other payment method? If not, how is that legal? It's also seems like it would be against stripes terms of service

I reported this to stripe to see what they have to say

Thanks for the comment. Happy that someone brought this up. Before it works, our merchants complete the full process of making sure their terms are up to date and they notify their customers. It's all from cards the customers have on file. Try to look at it from the customer's point of view: they didn't actively want to cancel their subscription. The bank declined a good transaction