How to stop members from receiving an account without paying?

As a visitor, if I go through the subscription process and cancel out of the payment I still receive an account to the website.

Is it possible to not have an account be created at all if payment isn’t made?

If not, do I have to develop a visitor subscription or am I simply setting the visitor member type in “Default subscription for registered users”.

I’d prefer that they don’t receive any access to the website versus having access to the custom dashboard.

Thanks