Postclic is an independent certified electronic mail service. We are neither affiliated with, nor partners of, nor mandated by Lazypay, whose name is mentioned solely to identify the recipient of your letter. The trademarks and logos cited belong to their respective owners.
Postclic premium unlimited: promotional offer at ₹92.44 for 48h, then ₹5,032.79 per month without commitment
Send an e-Postclic to Lazypay
Tracked, timestamped, and certified digital mail
What type of action would you like to take?
Choose the type of mail to generate. The template will be adapted automatically.
The form then adjusts based on your choice
Cancellation service #1 in India
Digital mail
certified, timestamped, tracked, and
recorded on the blockchain
delivered instantly worldwide
Postclic unlimited plan
Promotional offer at ₹92.44 for 48 hours
then no commitment, ₹5,032.79 per month
to keep966649193710
Recipient
Lazypay
Empresa Building, Office No. 102, Second Road, Khar West
400052 Mumbai , India
REF/2025GRHS4
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 [email protected].
- 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 [email protected].
- 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 ([email protected]) 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): [email protected]
- Escalation email (PayU support): [email protected]
- Phone (customer service): +91 1806 1908 111111 or 022 6982 111111
Similar cancellation services
Verify a sent letter
Already sent a letter? Enter its tracking number to see its proof of dispatch and certified timestamp.
Written by Aanya Joshi
Digital-law graduate · 6 years experience
Graduate in digital law and passionate about secure written communication, I have been writing guides on certified mail and electronic registered delivery for 6 years.
FAQ
To cancel your Lazypay account, email [email protected] from your registered email with the subject 'Request to Delete/Close Lazypay account' or send a registered mail to their support address. Keep proof of your request.
Lazypay typically deactivates accounts within 4 - 5 days after a successful cancellation request. Ensure you keep your request number for reference.
Refunds are credited to your Lazypay balance and used to offset any outstanding dues. However, processing fees and interest may not be reversed.
Users have reported difficulties in canceling auto debit. It's advisable to contact customer support or check your account settings for options.
Include your full name, registered mobile number, registered email, last four digits of any linked card, and account details in your cancellation request.