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.