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I hereby notify you of my decision to terminate the contract relating to the Ipay 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- guarantee the validity of an incorrect or outdated address.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 Ipay: Simple Process
What is Ipay
Overview
Ipay (operating under ISEND GLOBAL PTE. LTD. / iPaymy branding) is a third‑party payment facilitator that accepts card payments and pays merchants or billers on your behalf.
It is designed to let customers use cards for payments where direct card use may be limited, and to capture card rewards or miles where applicable.
Role and limitations
Ipay facilitates payments; it is not a merchant of goods or services and generally does not operate as a subscription product with in‑app cancellation flows.
Because it acts as a payment processor, traditional subscription cancellation steps (App Store/Google Play) are usually not applicable.
How to cancel Ipay
Confirm what you need to cancel
Decide whether you are stopping future/scheduled payments, removing saved payment methods, or closing your Ipay account entirely.
Note that payments already processed cannot be reversed through Ipay; refunds for goods/services must be requested from the merchant.
Step-by-step cancellation actions
- Check your account for any scheduled or recurring payments and cancel those schedules in the Ipay dashboard if an option exists.
- Remove saved cards or payment methods from your Ipay account to prevent future charges.
- Contact Ipay support to request account closure or confirmation that no active payment instructions remain.
- If you need to stop payments to a specific merchant, contact that merchant directly and notify Ipay support of the change.
What happens when you cancel
Access and ongoing payments
After cancelling scheduled instructions or removing cards, new payments should no longer be processed from those instruments.
Payments already submitted and issued by Ipay will still be completed to the recipient; cancellation does not unwind issued payouts.
Data, receipts and records
Your transaction history and receipts typically remain accessible for record keeping and dispute preparation.
Keep copies of confirmations and transaction IDs to support any merchant dispute or reconciliation requests.
Will I get a refund?
Standard refund policy
Ipay acts as a payment facilitator and does not provide refunds for merchant goods or services once payment is made.
Service/processing fees charged by Ipay are non‑refundable once a payment has been initiated and a receipt issued.
Exceptions and dispute route
- If the merchant agrees to a refund, you must coordinate that refund directly with the merchant; Ipay does not guarantee merchant refunds.
- For technical errors or wrongly charged amounts, disputes should be raised with the merchant first; Ipay disclaims responsibility for merchant‑delivered goods/services.
- If you need official terms or fee details, consult Ipay’s terms and pricing pages for current policies: Ipaymy Terms & Conditions and Pricing for domestic payments.
Ipay plans and pricing
Fee table
| Plan | Price | Period | Features |
|---|---|---|---|
| Domestic Visa/UnionPay/AMEX (SGD payouts) | 2.4% | Per Transaction | Singapore-issued Visa, UnionPay or AMEX card payment fee |
| Domestic Mastercard (SGD payouts) | 2.7% | Per Transaction | Singapore-issued Mastercard card payment fee |
| International Visa/UnionPay/AMEX | 3.35% | Per Transaction | International card payment fee |
| International Mastercard | 3.95% | Per Transaction | International Mastercard card payment fee |
| International Payment (additional bank fee) | SGD 80 | Per Transaction (only if amount > SGD 50,000 or bank fee applies) | Applicable bank and safeguarding fees for high-value international payments |
Pricing notes
There are no monthly or setup fees; all charges are transaction-based.
International payments may incur the additional SGD 80 bank fee for amounts above the stated threshold.
Your consumer rights in Singapore
Cooling-off and statutory rights
iPaymy’s publicly available terms do not indicate any 14‑day cooling‑off or automatic statutory refund right for payments made through the platform.
As a payment facilitator, Ipay generally does not offer statutory consumer refunds for merchant goods and services.
Disputes, errors and fees
- Refunds for wrongly charged amounts or technical errors are not managed directly by Ipay; raise disputes with the merchant first.
- Service fees for facilitating payments are explicitly non‑refundable once the payment is made.
- If unresolved, you may seek further advice from consumer protection channels in Singapore (not listed here); keep documentation for escalation.
Customer experiences
Positive feedback
- Users report a generally user‑friendly and hassle‑free payment process and helpful support.
- Many customers appreciate the ability to earn card rewards or miles by using cards through the service.
Negative feedback
- Some customers note processing fees can feel high for certain card types.
- Delays in payment visibility on recipient systems (for example tax or biller portals) can create confusion after payment.
Documentation checklist
What to collect before contacting support
- Transaction receipt or confirmation number from Ipay.
- Payment date, amount, and card type used (Visa/Mastercard/AMEX/UnionPay).
- Recipient/merchant name and any invoice or bill reference.
What to keep for disputes
- Screenshots of payment confirmations, bank/card statements showing the charge, and any merchant communications.
- Correspondence with Ipay and the merchant, including timestamps and case IDs if provided.
Common mistakes
Assuming it's a subscription service
Many users assume Ipay is a subscription product with in‑app cancellation flows; in reality it functions as a payment facilitator.
Because of this, standard App Store/Google Play subscription cancellation may not apply to stopping payments processed by Ipay.
Expecting automatic refunds or reversals
Expecting Ipay to refund merchant charges is a common mistake; merchants must handle refunds for goods/services.
Also, assuming fees are refundable after payment is issued can lead to disappointment - processing fees are generally non‑refundable.
Comparative recap
Side-by-side summary
| Criterion | Ipay (payment facilitator) | Direct merchant/bank |
|---|---|---|
| Refunds for goods/services | Handled by merchant; Ipay does not provide merchant refunds | Merchant or bank chargeback processes apply directly |
| Service fees | Transaction-based processing fees (non‑refundable after payment) | May be lower or none if paying directly by bank transfer |
| Ability to use cards / earn rewards | Enables card use and reward accrual where merchant would not accept cards | Direct card payments to merchant may or may not be accepted |
How to choose
Use Ipay when you need card-based payment capability or to earn rewards, and accept that processing fees apply.
Pay directly to merchants when you prioritise lower fees or direct refund/return handling.
After cancelling
What to monitor
After you remove payment methods or cancel schedules, monitor your card statements and the merchant’s account to confirm no further charges occur.
Keep transaction receipts and any confirmation of account closure for your records.
Where to get official help
- Read the official terms for account and fee details: Ipaymy Terms & Conditions.
- Check official pricing pages for domestic and international fees: Domestic pricing and International pricing.
Address
Registered office
ISEND GLOBAL PTE. LTD. (formerly IPAY FINANCIAL SERVICES)
12 MARINA VIEW #11-01 ASIA SQUARE TOWER 2 SINGAPORE 018961
Notes about contact
Use the address above for any formal notices where a postal address is required.
For immediate account or payment queries, contact Ipay through the official help pages linked above.