Cancel FLEXIPAY online
Cancellation service #1 in United Arab Emirates
4.9Calculated on 5.6K reviews
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Flexipay service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
cancellation Flexipay: Easy Method
What is Flexipay
Overview
Flexipay is a financing option that lets cardholders convert eligible purchases into fixed monthly installments. It is commonly offered by credit card issuers and participating retailers to make larger purchases more affordable.
Where it's used
Flexipay is available through participating banks, credit card programs and merchants such as Sharaf DG in the UAE region. Terms, fees and processing methods vary by issuer and merchant.
How to cancel Flexipay
Primary cancellation methods
- Phone: Call your card issuer's customer helpline (for SBI Card refer to SBI Card official site for contact details) and request cancellation or foreclosure of the Flexipay plan.
- Email: Send a written request to the card issuer's official customer care email (address available on the issuer's official site) asking to cancel the Flexipay conversion.
- Merchant assistance: If Flexipay was activated at checkout with a retailer (for example Sharaf DG), contact the retailer's customer service to request cancellation or guidance.
Step-by-step cancellation checklist
- Confirm the Flexipay plan reference or conversion ID on your statement or purchase receipt.
- Contact the issuer by phone or email and provide the conversion ID, card details and reason for cancellation.
- Ask for a written confirmation (SMS or email) of the cancellation and any settlement figures or foreclosure fees.
- Pay any outstanding amounts or foreclosure fee if you choose early settlement; retain receipts and confirmation.
What happens when you cancel
Access and billing after cancellation
When a Flexipay plan is cancelled or foreclosed, the remaining outstanding principal is usually converted into a single settlement amount or re-merged onto your credit card statement.
Data, records and confirmations
The issuer should provide a written confirmation of cancellation and an updated statement showing closure or settlement of the Flexipay plan. Keep these records for dispute resolution.
Will I get a refund?
General refund policy
Refunds are not typical when cancelling Flexipay because Flexipay converts an existing purchase into installments rather than collecting an advance subscription fee.
Exceptions and important conditions
- If a processing fee was charged and the merchant or issuer's policy allows a reversal, you may receive a partial refund - this is case-by-case.
- Early settlement often incurs a foreclosure or settlement fee (for example, ADCB foreclosure fee listed below). Confirm any refund eligibility with the issuer and retailer.
Flexipay plans and pricing
Available plans
The following table lists known merchant/issuer conversion fees and an early-settlement fee referenced for UAE-related merchants and banks.
Pricing details (verified)
| Plan | Price | Period | Features |
|---|---|---|---|
| Sharaf DG FlexiPay 18‑month installment | 9% of purchase amount + 5% VAT (one‑time processing fee) | One‑time fee for 18‑month financing option | Convert purchase ≥ AED 1,000 into 18‑month installments |
| Sharaf DG FlexiPay 24‑month installment | 12% of purchase amount + 5% VAT (one‑time processing fee) | One‑time fee for 24‑month financing option | Convert purchase ≥ AED 1,000 into 24‑month installments |
| ADCB FlexiPay early settlement | AED 210 (incl. 5% VAT) foreclosure fee | One‑time fee for early settlement | Fee applies if you settle your FlexiPay plan early |
Your consumer rights in United Arab Emirates
Key protections
Consumers in the UAE are protected by consumer protection laws covering unfair trade practices, clear disclosure of fees and the right to complain. Financial products must disclose fees and terms up front.
Where to escalate disputes
- Contact your card issuer's customer support first and request written confirmation and a resolution timeline.
- If unresolved, escalate to the UAE Ministry of Economy Consumer Protection department or the financial regulator. Check official government or regulator portals for the complaints process.
Customer experiences
Common positive feedback
Many customers appreciate being able to convert large purchases into manageable installments and find merchant-assisted conversions convenient at checkout.
Common negative feedback
Complaints often relate to unclear fee disclosure, delays in receiving written cancellation confirmation, or unexpected foreclosure fees when settling early.
Documentation checklist
Essentials to prepare
- Card number (masked is acceptable) and transaction/reference ID for the Flexipay conversion.
- Purchase receipt or merchant invoice showing the Flexipay conversion.
- Any SMS or email confirmations received at the time of conversion.
Supporting items for disputes
- Written cancellation or settlement confirmation from the issuer.
- Proof of payment for any foreclosure or outstanding amounts.
- Correspondence logs (dates, times, names) from calls or chats with issuer or merchant support.
Common mistakes
Not confirming fees before cancelling
Customers sometimes call to cancel without first asking for the foreclosure or processing fee, then are surprised by the settlement amount. Always request a detailed settlement quote in writing.
Not keeping written confirmation
Many disputes arise because customers rely on verbal assurances. Always obtain an SMS or email confirmation of cancellation, settlement amounts and updated statements.
Comparative recap
Quick comparison
The table below summarizes the verified fees and key points for the Flexipay-related options referenced for UAE transactions.
At-a-glance table
| Option | Processing / Fee | Term | Notes |
|---|---|---|---|
| Sharaf DG FlexiPay (18 months) | 9% + 5% VAT (one‑time) | 18 months | Minimum purchase AED 1,000; merchant conversion fee |
| Sharaf DG FlexiPay (24 months) | 12% + 5% VAT (one‑time) | 24 months | Minimum purchase AED 1,000; merchant conversion fee |
| ADCB FlexiPay (early settlement) | AED 210 (incl. 5% VAT) foreclosure fee | One‑time at settlement | Applies when settling FlexiPay early with ADCB |
After cancelling
What to monitor
After cancellation, monitor your credit card statement for the updated balance and confirmation of plan closure. Check for any unexpected charges within two billing cycles.
Helpful official links
- Flexipay (official site)
- SBI Card (official site) - contact & support
- UAE Ministry of Economy (official site)
Address
Corporate contact (verified)
Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower, E‑1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034
Notes about local postal options
There may be no dedicated UAE postal address for Flexipay corporate operations; use the issuer's local customer support channels (phone/email) for UAE-based cancellations and disputes.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.