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Cancel PAYSHAP
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I hereby notify you of my decision to terminate the contract relating to the Payshap 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- guarantee the validity of an incorrect or outdated address.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 Payshap: Easy Method
What is Payshap
Overview
Payshap is a South African instant payment service that lets users send and receive funds using a phone-number proxy (ShapID) or bank account details. It is accessible through participating banks' digital channels and aims to make transfers fast and convenient.
How it is provided
Payshap functionality is enabled via participating banks' mobile apps and online banking rather than as an independent in-app purchase service. Banks integrate Payshap features into their own channels for account-to-account and ShapID payments.
How to cancel Payshap
Cancel a sent PayShap request (via bank app or web)
- Open your bank's app or online banking and go to "Sent requests" or the PayShap / PayShap requests section.
- Select the specific PayShap request or transaction you want to cancel.
- Choose "Cancel request" (or similar), select a reason if prompted, and confirm the cancellation.
Other cancellation contexts
- In-app store cancellations (App Store / Google Play) are not applicable because Payshap functionality is provided through banks, not via in-app purchases.
- To stop receiving Payshap payments entirely, deregister your ShapID through your bank's digital banking settings or by contacting your bank directly.
What happens when you cancel
Immediate effects
Cancelling a PayShap request stops the recipient from accepting that pending request if the cancellation succeeds before acceptance. It removes the outstanding request from your sent items.
Account access and data
Cancelling a request does not close or limit your Payshap access with the bank; it only affects that specific request. Your transaction history and any related metadata remain visible in your bank statements and app history.
Will I get a refund?
General policy
PayShap payments are immediate and final; banks treat these transfers as irreversible once the recipient has been paid. In most cases banks cannot reverse a completed PayShap payment.
Mistaken payments and exceptions
- If you paid the wrong person, you must request a refund directly from the recipient; the bank can assist with enquiries but cannot force a refund.
- If fraud is suspected, report it to your bank immediately so they can investigate and advise on escalation (SABRIC, police or other channels as appropriate).
Payshap plans and pricing
Overview of bank pricing
Pricing for PayShap transactions varies by bank, by whether the payee is a ShapID or account, and by transaction value. Below are typical per-transaction fees reported for participating banks.
Verified typical fees (per transaction)
| Bank / Plan | Price | Period | Features |
|---|---|---|---|
| TymeBank | Free | per transaction | All PayShap transactions free up to bank limit per transaction (usually R3,000) |
| Nedbank | R1.00 | per transaction | Flat fee for ShapID-to-ShapID up to R3,000 |
| Capitec | FREE (≤R100), R1.00 - R1.50 (R100 - R1,000), R3.00 (R1,000 - R3,000) | per transaction | Tiered pricing by amount |
| FNB | Free (≤R100), approx R6.00 (above R100, up to R3,000) | per transaction | Flat fee above micro-value threshold |
| Standard Bank | R1.00 (≤R100), R7.00 (R100 - R1,999.99), R50.00 (≥R2,000) | per transaction | Tiered pricing; steep rise for higher-value transfers |
| Absa | Free (≤R100 for ShapID), R0.50 per R100 up to R7.50 (above R100 ShapID), R7.50 (to account) | per transaction | Different rates for ShapID vs account payments |
| Discovery Bank | R1.00 (≤R100), R5.00 (≤R1,500), 0.4% over R1,500 (capped ~R30) | per transaction | Value-based tiers with percentage charge above higher-value threshold |
| African Bank | Free (≤R200), R3.50 (above R200 up to R3,000) | per transaction | Tiered pricing with free micro-payments |
Your consumer rights in South Africa
Fee disclosure and transparency
Banks must clearly disclose PayShap fees before you use the service so you can make an informed choice. Check your bank's fee schedule and in-app prompts prior to confirming a payment.
Privacy and escalation
- Your personal information used for PayShap is protected under the POPI Act; banks must handle data lawfully and securely.
- If your bank does not resolve a PayShap issue, you can escalate to the Banking Ombudsman, report fraud to SABRIC, or contact the National Consumer Commission or FSCA as appropriate.
Customer experiences
Positive feedback
- Users appreciate instant, real-time transfers using phone-number proxies for speed and convenience.
- Some banks (e.g., TymeBank) offer PayShap for free which makes it a low-cost option for small transfers.
Negative feedback and common issues
- Reports exist of delays where transactions remain pending (for example, transfers from certain banks to others overnight).
- Users have complained about debits without recipient crediting, poor communication from some banks, and difficulty finding PayShap features in bank apps.
Documentation checklist
What to gather before contacting the bank
- Transaction date, time and amount; transaction reference or ID.
- Sender and recipient details (name, phone number / ShapID, account number if used).
- Screenshots of the transaction, confirmation messages, and in-app history showing the status.
Additional items for escalation
- Copies of your communications with the recipient requesting a refund.
- Any fraud reports filed, case numbers, and police or SABRIC reports if applicable.
Common mistakes
Sending to the wrong ShapID or number
Entering an incorrect phone number or ShapID is one of the most frequent errors. Because PayShap payments are immediate, the system assumes you intended the recipient you specified.
Assuming payments can be reversed
Many users expect banks to reverse instant transfers. In practice PayShap payments are final; do not rely on a reversal if you send money by mistake.
Comparative recap
Cost and suitability comparison
| Bank | Typical fee (per tx) | Notes |
|---|---|---|
| TymeBank | Free | Best for low-cost transfers up to bank limits (usually R3,000) |
| Nedbank | R1.00 | Cheap flat fee for ShapID transfers |
| Capitec | FREE - R3.00 (tiered) | Micro-payments free; small tiered charges for larger micro-transfers |
| FNB | Free - approx R6.00 | Free for very small amounts; moderate fee above threshold |
| Standard Bank | R1.00 - R50.00 (tiered) | Low for small amounts; high fee for larger transfers (≥R2,000) |
| Absa | Free - R7.50 | Different rates for ShapID vs account payments |
| Discovery Bank | R1.00 - ~R30 | Percentage-based for higher values with a cap |
| African Bank | Free - R3.50 | Free micro-payments; small fee for larger amounts |
Recommendation
Choose a bank with low fees for the transaction size you usually send and confirm the recipient details before confirming any PayShap payment.
After cancelling
Next steps with your bank
If a PayShap request cancellation was unsuccessful or a payment completed in error, contact your bank immediately with the documentation checklist items ready.
Escalation and reporting
- If your bank cannot resolve the issue, escalate to the Banking Ombudsman or other regulatory bodies available in South Africa.
- For suspected fraud, report promptly to your bank and to fraud-prevention bodies as advised by your bank.
Address
Registered location
Shop 24A, Station Square Mall, 149 Jeff Masemola St, Pretoria, 0002, South Africa
Contact note
For account-specific actions (deregistration of ShapID, cancellations or disputes) contact your bank directly via its official channels; Payshap functionality is administered through participating banks' digital services.