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Cancel LAZYPAY
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Cancellation service #1 in India
4.9Average rating from reviews
I hereby notify you of my decision to terminate the contract relating to the Lazypay 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.
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- guarantee the validity of an incorrect or outdated address.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.
Cancellation Lazypay: Easy Method
What is Lazypay
Service overview
Lazypay is a digital "buy now, pay later" (BNPL) and short-term credit service used in India to split payments, take short interest-free credit, or convert purchases into EMIs.
It provides PayLater credit lines, No-Cost EMI options and personal micro-loans, with pricing and limits varying by user KYC and profile.
How it is commonly used
Customers use Lazypay at online checkouts for one-tap payment, or opt for EMIs and XpressLoans where available.
The product earns revenue via processing fees, interest on longer tenures and lender charges rather than recurring subscription fees.
How to cancel Lazypay
Email via registered account
- Email from your registered Lazypay email address with subject "Request to Delete/Close Lazypay account" to wecare@lazypay.in.
- Include your full name, registered mobile number, registered email, last four digits of any linked card, and account details or screenshots.
- Keep the request number you receive and save the entire correspondence thread for records.
Phone request
- Call Lazypay customer service from your registered phone number: +91 1806 1908 111111 or 022 6982 111111.
- State clearly that you want to close your Lazypay account and request a reference number for the closure request.
- According to reports, account deactivation may occur within 4 - 5 days after a successful request; save proof of the call and reference number.
Escalation options
- If normal channels do not resolve the request, escalate to PayU Finance support at support@payu.in.
- If you still do not get a satisfactory response, lodge a formal complaint with the RBI Ombudsman and keep copies of all communications.
What happens when you cancel
Service access and liabilities
Account closure typically disables future access to Lazypay services and prevents new transactions from being processed on that account.
Cancellation does not automatically remove outstanding dues; you remain responsible for any unpaid balances or active obligations.
Timing and records
Reported deactivation timelines after a closure request are approximately 4 - 5 days, but keep the request number and confirmation proof until all matters are settled.
Lazypay will retain account records as required by law and for dispute resolution; request confirmation that your account is closed and note any retention statements provided by support.
Will I get a refund?
How refunds are processed
When a merchant issues a full or partial refund, Lazypay typically credits the refunded amount to your Lazypay balance and uses it to offset any outstanding dues on your account.
Partial refunds are handled similarly: credits go to your Lazypay balance up to the refunded transaction amount.
Important exceptions
- Processing fees, interest, GST or lender charges already levied may not be reversed depending on lender policy.
- EMI interest already paid is generally not reversed; verify with Lazypay or the lending partner for specific cases.
- For details on BNPL refund mechanics, see PayU’s BNPL refund guidance: Refunds for BNPL (PayU).
Lazypay plans and pricing
Product table
| Plan | Price | Period | Features |
|---|---|---|---|
| PayLater (standard) | ₹0 interest if paid within 15 days | 15-day credit | One-tap checkout; no interest if repaid within 15 days |
| PayLater (KYC‑enhanced) | ₹0 interest if paid within 30 days | 30-day credit | Higher credit limit (up to ₹5 lakh) after KYC; repay in 30 days interest-free |
| No-Cost EMI (3-month) | No interest (processing fee applied) | 3-month EMI | Split purchase into 3 EMIs; zero interest |
| No-Cost EMI (4 - 12 months) | Interest at ~18% - 32% p.a.; processing fee ~2% | 4 - 12 month EMI | EMI option with interest for longer tenures; processing fee applies |
| XpressLoans - personal loan | ~18% - 32% p.a.; processing fee ~2% | 3 - 24 months | Instant personal loans from ₹10,000 up to ₹1 lakh; flexible tenure |
Notes on pricing
Lazypay typically does not charge recurring subscription fees; fees arise from interest, processing charges and lender costs dependent on product and profile.
Exact interest and processing fees vary by user credit profile, tenure and the lending partner’s policy.
Your consumer rights in India
Documentation and escalation
- Document every contact: emails, call logs, screenshots, transaction IDs and complaint numbers.
- If Lazypay does not resolve your issue, escalate to PayU support (support@payu.in) and, if needed, to the RBI Ombudsman.
Fraud, consent and protection
If you suspect fraud (unauthorised account creation or transactions), file a police/cybercrime report and notify your bank immediately to block cards and mandates.
Consumers should monitor statements and formally dispute unauthorised debits; persistent non-resolution may warrant escalation to RBI or consumer forums.
Regulatory notes
There is no publicly stated statutory 14‑day cooling‑off window evident from Lazypay documentation; refund handling is tied to merchant refunds and internal policies.
Reported policy changes (e.g., allowing auto‑debited penalties, changes to autopay controls) raise concerns about consent and transparency; retain records to support any dispute.
Customer experiences
Positive reports
Some users have reported successful dispute resolution and refund recovery within about 10 days in isolated cases.
These positive outcomes typically involve persistent follow-up and documented escalation.
Negative reports
- Multiple complaints describe poor customer service, unreachable support, billing errors and unresolved CIBIL impact concerns.
- Users have reported auto‑debit problems, harassment for dues, refunds not reflecting and alleged fraud transactions without consent.
- See customer review summaries: Trustpilot Lazypay reviews.
Documentation checklist
Before you request cancellation
- Registered email and mobile number details used with Lazypay.
- Transaction IDs, merchant order numbers, screenshots of billing and auto‑debit mandates.
- Copies of KYC documents if relevant (Aadhaar/PAN where applicable for identity confirmation).
If you escalate or file complaints
- All emails and complaint reference numbers from Lazypay and PayU support.
- Call logs with timestamps and names (if shared), bank statement entries showing disputed debits.
- Police/cybercrime FIR number if you report suspected fraud.
Common mistakes
Mistakes when cancelling
Assuming account closure cancels outstanding dues is a frequent error; you remain liable for unpaid balances until settled.
Another common mistake is contacting support from an unregistered email or number, which can delay verification and closure.
Billing and refund mistakes
Not documenting merchant refunds or failing to follow up when refunds don’t reflect in your Lazypay balance can lead to repeated billing.
Many consumers also miss saving the closure request reference number, which makes escalation and proof of request harder.
Comparative recap
At-a-glance comparison
| Feature | Lazypay | Typical BNPL service |
|---|---|---|
| Ease of cancellation | Possible via email/phone; reported deactivation within 4 - 5 days | Varies widely; many BNPLs allow in‑app closure plus written requests |
| Refund handling | Refunds credited to Lazypay balance and offset dues (per PayU guidance) | Commonly credited to BNPL balance or original payment method depending on merchant |
| Auto‑debit controls | Users report difficulties cancelling autopay; policy changes raised concerns | Controls vary; some providers allow easy mandate cancellation via bank or app |
| Customer support | Mixed reviews: some successful resolutions, many complaints about responsiveness | Support quality varies; established players often provide multiple escalation paths |
Key takeaway
Lazypay offers competitive short‑term credit options but has mixed user feedback on service and autopay controls, so document and escalate proactively if needed.
After cancelling
What to monitor
- Watch your bank account and statements for any unexpected debits or remaining auto‑debits for at least two billing cycles.
- Confirm that refunds (if any) have been credited to your Lazypay balance and check that outstanding dues are settled or correctly adjusted.
Helpful links and next steps
- How to close your Lazypay account (guide): candid.technology: How to close Lazypay account
- PayU refunds for BNPL (refund mechanics): PayU - Refunds for BNPL
- Customer review summaries (for expectations): Trustpilot: Lazypay reviews
Address
Corporate office
Empresa Building, Office No. 102, Second Road, Khar West, Mumbai, Maharashtra 400052, India.
Support contacts
- Email (customer care): wecare@lazypay.in
- Escalation email (PayU support): support@payu.in
- Phone (customer service): +91 1806 1908 111111 or 022 6982 111111