Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Palmpay 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.
Cancel Your Palmpay Insurance: Complete Guide
What is Palmpay
Overview
Palmpay is a digital payments app and financial services platform used in Nigeria for transfers, bill payments, loans, and rewards. It provides a mobile wallet and related services through apps on iOS and Android and via web support channels.
Main services
Core features include instant transfers, bill payments, cashback and rewards, and access to micro‑loans. Users manage subscriptions or in‑app purchases through platform stores (Apple App Store or Google Play) or payment providers such as PayPal.
How to cancel Palmpay
iOS App Store (Apple subscriptions)
- Open Settings on your Apple device.
- Tap your name, then Subscriptions.
- Select PalmPay and tap Cancel Subscription to stop renewals.
Google Play Store (Android subscriptions)
- Open the Google Play Store app.
- Tap Menu (three lines) → Subscriptions.
- Select "PalmPay - Transfers, Bills" and tap Cancel Subscription.
PayPal (automatic payments)
- Log into your PayPal account.
- Go to Settings → Payments → Manage automatic payments.
- Select PalmPay Limited and cancel the agreement to stop recurring charges.
Web/App (support-assisted cancellations)
- Open the PalmPay app and check Billing, Subscription or Settings for a cancel option.
- If you cannot cancel in‑app, contact support at support@palmpay.com with your request and transaction details.
What happens when you cancel
Access and features
When you cancel a subscription, you typically keep access until the current paid period ends. Features tied to active subscriptions may stop at the end of that billing cycle.
Renewal and billing
Canceling stops future automatic renewals; it does not usually refund the current period automatically. If you cancel through Apple, Google or PayPal, billing is controlled by those platforms.
Data and account status
Cancelling a subscription does not automatically delete your PalmPay account or associated data. You may need to request account closure separately through support.
Will I get a refund?
Early refund on failed or cancelled transactions
For transactions that failed or were cancelled, PalmPay may return funds quickly - often within about 24 hours. This is an early refund feature noted in PalmPay FAQs.
General refund requests via support
- For incorrect charges or other refunds, contact support@palmpay.com with evidence.
- Refunds via support are typically processed within 3 - 5 business days, per user guidance in FAQs.
Cooling-off period and limitations
There is no evidence of a statutory 14‑day cooling‑off period in PalmPay's published policies. Do not assume an automatic full refund for cancellations outside the described cases.
Palmpay plans and pricing
Pricing table
| Plan | Price (approx.) | Period | Features |
|---|---|---|---|
| Traditional POS rental | €12.11 | One‑time caution/rental | Refundable if returned in good condition |
| Android POS rental | €18.14 | One‑time caution/rental | Refundable if returned in good condition |
| Standard POS purchase | €18.14 | One‑time purchase | Own the machine outright |
| Enterprise POS purchase | €36.29 | One‑time purchase | Own the machine outright |
Notes on pricing
Prices above are approximate conversions from NGN to EUR using an example rate and are provided for comparison only.
Official pricing notice
PalmPay does not publish EUR pricing directly; check the app or official channels for current NGN pricing and offers.
Your consumer rights in Nigeria
Complaint resolution timeline
PalmPay is expected to resolve customer complaints within 14 days according to local dispute‑resolution guidance cited in summaries of CBN processes.
Escalation to regulator
- If issues remain unresolved after 14 days, escalate to the Central Bank of Nigeria (CBN) Consumer Protection Department.
- Keep records of all communications and transaction evidence when escalating a complaint.
Action steps when rights are affected
Start with PalmPay support, allow 14 days for resolution, then file with the CBN Consumer Protection Department if necessary.
Customer experiences
Positive feedback
Many users praise PalmPay for fast, free transfers, easy bill payments, strong UI/UX and rewards such as cashback.
Negative feedback
Common complaints include account freezing, delayed customer support responses, and concerns about loan terms and aggressive collection in some reports.
Balanced takeaway
Overall, users report convenience and useful rewards but advise careful monitoring of account status and loan offers, and keeping clear documentation when issues arise.
Documentation checklist
Required documents for cancellation or refund
- Full name and registered PalmPay phone number or email.
- Transaction ID(s) and date(s) for the charges in question.
- Screenshots of charges, subscription listings, and any error messages.
- A government ID if requested for account verification.
How to submit evidence
- Email consolidated evidence to support@palmpay.com.
- Keep copies of all sent emails, timestamps, and any reply reference numbers.
Common mistakes
Cancelling in the wrong place
Users sometimes cancel within the PalmPay app but forget to cancel the subscription at the platform level (Apple/Google/PayPal). This can leave renewals active.
Not keeping transaction evidence
Failing to save transaction IDs, screenshots or emails makes refunds and escalations slower. Always collect and store evidence before or immediately after contacting support.
Assuming automatic refunds
Another common error is assuming cancellation triggers an automatic refund for a current period. Refunds depend on the reason and the payment platform's rules.
Comparative recap
Quick comparison table
| Channel | How to cancel | Refund timing (typical) | Notes |
|---|---|---|---|
| iOS App Store | Settings → Your Name → Subscriptions → PalmPay → Cancel | Depends on Apple policies; in‑app charges handled by Apple | Apple controls renewals and refunds for App Store purchases |
| Google Play Store | Play Store → Menu → Subscriptions → PalmPay - Transfers, Bills → Cancel | Google handles subscription refunds; PalmPay support may assist | Follow Google Play subscription flow for cancellations |
| PayPal | PayPal Settings → Payments → Manage automatic payments → PalmPay Limited → Cancel | Refunds processed by PayPal or PalmPay depending on case | Cancels recurring billing agreements at PayPal level |
| Web/App (Support) | Cancel in app Billing/Subscription settings or email support@palmpay.com | General refunds via support typically 3 - 5 business days; early refunds ~24 hrs for failed transactions | Useful when platform cancellation is not available or for billing disputes |
Key takeaways
Cancel via the platform that billed you (Apple/Google/PayPal) to stop renewals. Use PalmPay support for refunds and account issues, and keep evidence for faster resolution.
After cancelling
Follow-up actions
- Confirm cancellation receipt or confirmation from the platform or PalmPay support.
- Monitor your bank/card/PayPal for any unexpected charges for one billing cycle.
- Retain all communication and evidence in case you need to escalate.
Useful links
- Email PalmPay support
- Manage Apple subscriptions
- Manage Google Play subscriptions
- PayPal - Manage automatic payments
- How to complain (summary referencing CBN process)
Address
Corporate / Head office
PalmPay Limited, 20 Opebi Road, Opebi, Ikeja, Lagos, Nigeria. Use this address for formal correspondence related to cancellations or contractual matters.
Regional office note
Regional offices (for example in Abuja) may accept in‑person inquiries but may not be the official address for formal cancellation requests. Prefer the Lagos head office for contractual correspondence.
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.