In Denmark we have a very successful and popular system called "BetalingService" (litterally "payment service"), where you manually add payment-agreements as the consumer.

Every month around the 25th you get a invoice, which payment day, amount and a description for each payment scheduled for the next month.
Some of your creditors send your full invoice in that system (as textlines), some only reference a invoice you got separately (by email for example) and some have the pdf invoices attached.

No matter what, you can cancel every payment with a click (in the dedicated app or usually also in your normal web-based e-banking system) until the 7th of the month, even if I was already paid for example on the 3rd (and you will then get the payment back).

Also please not, that the repayment is through the system (and automatic) and not something the creditor can block. How creditors handle the refusal to pay differs, but most just contacts you.

Some things, like mortgages or other bank loans, that have been paid back after the deadline (the companies have deadline around a week before to send in the payments the want), they just instruct you to refuse the payment. Some things, like the hunters insurance, just does not issue the permit (and nothing else), but the most common action is that they either email or call you, or simply send you payment reminder.

Unless you don't read you bill from BS, there is no way to get cheated.

In Denmark we have a service called Betalingsservice (translated: payment services), which is owned by PBS a company owned collectively by the banks.

PBS is also the entity that drives the danish Dankort (a debit card which has near 100% penetration, see wikipedia) and "foreign" cards (Visa/Master...)

The system is quite easy. Suppliers sign up to the services and bills the customers through it.
The customer has actively to make a "payment contract" with the supplier before the supplier can draw money.
The customers gets a overview of coming payments around the 25th (for the next month) usually in their webbank and effectively has somethings like 10 days to decline a payment (even if it has happened and you are within the decline period). The customer can also always cancel the "payment contract" to the company, denying the company to make any further charges.

I have never tried to decline a payment as it there has never been any errors in the 10+ years I have (heavily) used it. But given the general level of customer protection associated with banking services in Denmark, I am certain that it will not be an issue.

For an example, a few years ago I had a fraudent charge on my Visacard in the range of 500$. I called my bank and told them I had not made that purchase, signed a form (they sent to me) saying the same. And a few days later the money was returned. (Whether the bank gets back it's money is not the customer's problem in this case.)