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Cancel PAYJOY
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Cancellation service #1 in South Africa
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Payjoy 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- guarantee the validity of an incorrect or outdated address.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 Payjoy: Easy Method
What is PayJoy
Service overview
PayJoy is a smartphone financing service that lets customers buy devices on flexible payment plans, usually via retailers and partner stores.
The service uses a finance agreement to allow ownership over time while tracking payments and device returns under specific terms.
Where it operates
PayJoy operates in multiple markets and has a presence in South Africa with local customer-care and a stated customer charter.
Local terms, collection practices and obligations are governed by PayJoy's regional policies and applicable South African law.
How to cancel PayJoy
Primary cancellation route
- Initiate cancellation via WhatsApp to PayJoy customer care at +27 79 803 6072.
- After contacting customer care, you must return the device in person to the store where it was purchased.
What you cannot use to cancel
- Cancellation is not available through App Store or Google Play - those platforms do not process PayJoy cancellations.
- Cancellation is not processed via PayJoy’s public website or online portals; WhatsApp plus in-store return is required.
What happens when you cancel
Device and contract status
When you cancel, you must return the working device in good condition to the original retailer as instructed by PayJoy.
PayJoy will then close the loan obligation once the return is accepted, subject to their internal checks and terms.
Access, renewals and data
Returning the device ends the payment plan; there is no automatic renewal after cancellation is processed.
Any account or device-related data handling follows PayJoy's customer charter and privacy terms applicable in South Africa.
Will I get a refund?
Official refund policy
PayJoy explicitly states that payments are NOT refundable when cancelling or returning a device.
There is no statutory 14-day cooling-off applied in PayJoy’s stated cancellation terms on their customer-info page.
Exceptions and practical notes
- PayJoy’s published policy indicates no refunds; however, individual disputes or errors may be pursued through customer care.
- If you believe an error or unlawful practice occurred, document communications and escalate as needed (see consumer rights section).
PayJoy plans and pricing
Available pricing information
PayJoy does not publish a single standard price list for South Africa; costs vary by model, retailer and term.
The table below shows a verified example and a prompt to contact for specific pricing.
| Plan | Price | 期間 | Features |
|---|---|---|---|
| Example - Samsung A13 (9-week financing) | Deposit R1,050 + 9 weekly payments of R656.50 (total payable R6,958.50) | Weekly over ~2 months | Financing example including deposit and weekly instalments for a specific model |
| Other models | Contact for pricing | Contact for pricing | Pricing varies by phone model, retailer and selected term |
Your consumer rights in South Africa
Legal protections
PayJoy must comply with the National Credit Act, which requires affordability assessments and clear contract terms.
The Act also prohibits unfair collection practices and provides remedies for unlawful conduct by credit providers.
Refunds, returns and cooling-off
- The standard 14-day cooling-off period does not appear to override PayJoy’s stated no-refund policy for device returns.
- Consumers retain rights to return a working device in good condition and have the loan closed without negative credit impact when the device is accepted.
Customer experiences
Positive reports
Some verified customers report PayJoy responds to refund or payout issues, indicating a route to resolution exists.
Responsiveness can be helpful when chasing administrative corrections or confirming device returns.
Negative reports
Other customers describe long delays and repeated follow-ups; promised turnaround times (for example 4 - 6 days) have sometimes extended much longer.
One verified account in Johannesburg indicated no final resolution by day 21 after starting the refund process.
Documentation checklist
What to prepare before contacting customer care
- Purchase receipt or proof of purchase showing retailer and date.
- PayJoy contract or agreement reference number and ID used when applying.
- Device condition photos and IMEI/serial number if available.
What to bring when returning the device
- The device in working condition, with original accessories if requested by the store.
- Identification (ID/passport) and the original purchase documentation.
Common mistakes
Trying to cancel via app stores or website
A frequent mistake is attempting cancellation through App Store, Google Play or PayJoy’s website - these channels do not process cancellations.
Always use WhatsApp to customer care and return the device to the purchase store as required.
Not documenting communications
Failing to save WhatsApp messages, receipts and return confirmations makes dispute resolution harder.
Keep copies of all exchanges, return receipts and any case or reference numbers provided by PayJoy staff.
Comparative recap
Quick comparison of key points
The table below summarises cancellation method, refund outcome and typical action required.
| Item | Cancellation channel | Refund | 期間 |
|---|---|---|---|
| Official process | WhatsApp to +27 79 803 6072 + return to store | Payments NOT refundable (per PayJoy policy) | Case-dependent; return and checks required |
| App Store / Google Play | Not supported | No refund via store platforms | N/A |
| Online/Web | Not supported for cancellation | No refund via website | N/A |
After cancelling
Next steps to monitor
Keep the return receipt and any written confirmation from PayJoy that the loan obligation has been closed.
Check your credit profile if you are concerned about negative reporting after the return is processed.
Helpful official links
- PayJoy customer info (cancellation and refund policy)
- PayJoy South Africa - Customer Charter
- Overview of PayJoy and legal notes (third-party summary)
Address
PayJoy South Africa office
First Floor, Nicolway West Corner, William Nicol Drive & Wedgewood Link Road, Bryanston, Sandton, 2191, South Africa
Customer care contact
To start a cancellation, contact PayJoy via WhatsApp: +27 79 803 6072.
For policy details, consult the official PayJoy customer information and customer charter linked above.