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Frequently asked questions
Cancel Percy: The Right Way to Recover Your Payments
How to cancel Percy and recover your payments in canada
What you need to know about Percy
Percy was a Canadian virtual cashier and recruitment platform that ceased operations in 2026. If you are seeing unexpected charges on your bank or credit card statement and cannot access the service, you have landed on the right resource. This guide explains your cancellation options, your consumer rights under Canadian law, and how to dispute charges if Percy has already billed you.
At Yafee, we understand the frustration of pursuing refunds from defunct services. Our contract law specialists have helped thousands of consumers navigate exactly this situation. Whether you need to stop future charges or recover past payments, the steps below will clarify your legal position and your next move.
Why Percy is no longer operating
Percy shut down its service delivery in 2026 and no longer maintains active subscription portals, mobile applications, or web-based access for Canadian users. This means you cannot log into your account and click a cancellation button. Instead, you must take control by contacting your payment provider directly and, if necessary, escalating your dispute through formal consumer protection channels.
What this means for your current and future charges
Automatic renewals should theoretically have stopped when Percy ceased operations. However, some users continue to report charges because Percy's billing information remains attached to their payment method. Your credit card, debit card, or app store account may still have Percy listed as a recurring merchant. Consequently, phantom charges can continue even though the service itself no longer exists.
Your consumer rights in canada
Canadian federal and provincial law grants you specific protections when a company stops operating or fails to deliver services you have paid for.
Federal and provincial protections that apply to you
Canada's Competition Act prohibits misleading advertising and unfair billing practices. If Percy charged you without delivering the promised service or continued billing after you requested cancellation, you have grounds to dispute those charges under this federal framework.
Your province also provides additional safeguards. Ontario's Consumer Protection Act, British Columbia's Business Practices and Consumer Protection Act, and Alberta's Fair Trading Act each establish clear remedies for unauthorized billing and subscription disputes. These statutes empower you to request refunds, cancel recurring charges, and hold the merchant accountable for violations.
Additionally, if you purchased through Apple's App Store or Google Play, those platforms operate their own refund policies independent of Percy's status. You can request refunds within 14 to 90 days depending on your location and the platform's terms.
Your legal position
You hold the legal right to cancel any recurring charge tied to Percy, regardless of whether the company is operating. Under the Competition Act and your provincial consumer protection statute, you can dispute unauthorized charges with your payment provider. Your bank or credit card issuer must investigate your claim within 30 days. If they refuse to act or if Percy ignores your cancellation request, you can escalate your complaint to the Financial Consumer Agency of Canada (FCAC), your provincial consumer protection authority, or the Competition Bureau. Document every communication you send and every response you receive. These records form the foundation of a formal complaint if negotiations fail.
Escalation authorities if Percy won't cooperate
If Percy ignores your cancellation requests or your bank cannot resolve the dispute, you can lodge a formal complaint with:
- Your provincial consumer protection authority (for example, ServiceOntario in Ontario or Consumer Protection BC in British Columbia)
- The Competition Bureau, Canada's federal agency responsible for investigating unfair business practices
- Your bank's ombudsman or internal dispute resolution team
- The Financial Consumer Agency of Canada (FCAC) if your bank does not respond within 30 days
Yafee recommends preserving all documentation, including email confirmations, transaction IDs, screenshots of your bank statement, and copies of any complaint receipts you file. This evidence strengthens your case if you need to escalate to a regulatory body.
How to stop charges from Percy
Your cancellation strategy depends on where the charges are originating and whether Percy's service is still listed as active on your payment method.
Step 1: confirm whether you have active charges from Percy
- Review your email inbox and spam folder for any receipts, confirmations, or billing notifications from Percy, callpercy.com, or associated payment processors over the past 6 to 12 months.
- Log into your bank or credit card account online and search your transaction history for any charges labelled "Percy," "Call Percy," or similar variations dating back at least one year.
- If you used Apple's App Store or Google Play to subscribe, open those accounts and check your subscription and purchase history for active Percy charges.
- Note the exact date, amount, and payment method for each charge you find. Screenshot these transactions for your records.
Step 2: contact your bank or credit card issuer
- Call the customer service number on the back of your credit card or debit card. Speak directly with a representative and explain that Percy is a defunct service and you want to cancel all recurring charges.
- Provide the representative with your screenshots and transaction history. Request that they block future charges from Percy and place a flag on your account to reject any new billing attempts from this merchant.
- Ask the representative to initiate a dispute (also called a "chargeback" or "reversal") for any unauthorized charges you incurred. Most banks allow you to dispute charges dating back 60 to 120 days, though some extend this window further.
- Request a confirmation number and email for this dispute request. Ask when you can expect a resolution (typically 30 days).
- Follow up with a written letter or email to your bank's dispute department. Include your account number, the dispute confirmation number, a description of each charge, and your request to cancel all future recurring transactions from Percy.
Step 3: cancel through apple app store or google play
- If you subscribed via Apple's App Store:
- On your iPhone or iPad, open the Settings app.
- Tap your name at the top, then select "Subscriptions."
- Find Percy in the list and tap it.
- Tap "Cancel Subscription" and confirm.
- On your Mac, open the App Store, click your profile icon in the top right, and navigate to "Subscriptions."
- If you subscribed via Google Play:
- Open the Google Play app on your Android device or visit play.google.com in a web browser.
- Tap the profile icon in the top right corner and select "Payments and subscriptions."
- Tap "Subscriptions" and select Percy.
- Tap "Cancel subscription" and confirm your choice.
- Request a refund if the charge is recent (within 14 to 90 days, depending on the platform and your location). Apple and Google honor refund requests for cancelled subscriptions more readily than Percy's own customer service would.
Step 4: send a formal cancellation notice to Percy (if applicable)
- Even though Percy is defunct, sending a formal written cancellation strengthens your legal position if you later need to dispute charges or file a complaint with a regulatory body.
- Prepare a letter or email stating your full name, account email address, and the date you are requesting cancellation. Include a phrase such as: "I hereby request immediate cancellation of all services, subscriptions, and recurring charges associated with my account effective immediately. I do not authorize any further charges."
- If you can locate a business address for Percy, send this letter via registered mail with a return receipt. Keep the receipt as proof of delivery.
- If you cannot locate an address or email, document your attempt to find contact information and note this in your records. This demonstrates good faith effort if you later escalate to a regulatory authority.
Timeline and what to expect
Understanding the typical timeline for cancellation and refunds helps you stay informed and follow up appropriately.
Immediate actions (today)
Call your bank today if you identify active charges from Percy. The sooner you notify your financial institution, the sooner they can block future transactions and begin their dispute investigation.
Within 7 days
Send your formal written cancellation notice to Percy's last known address via registered mail. Submit your dispute formally to your bank or credit card issuer in writing, either by email or by mailing a letter to their dispute department address (found on your statement or their website).
Within 30 days
Your bank must acknowledge receipt of your dispute and begin their investigation. You may receive interim documentation confirming that they have opened a case file. Do not assume silence means approval; follow up if you do not hear from them within two weeks.
30 to 90 days
Your bank completes its investigation and issues a preliminary decision. If they rule in your favour, the disputed funds are credited to your account. If they deny your dispute, you receive a written explanation. At this stage, if you disagree with your bank's decision, you can escalate to the FCAC or your provincial consumer protection authority.
How to request refunds for past charges
Yafee specializes in helping consumers recover funds from defunct services by following the proper legal channels.
Refunds through your bank
Your bank's dispute process is your fastest path to a refund. Most financial institutions reverse unauthorized charges within 30 to 90 days if you file a formal dispute. To maximize your chances of success, provide as much evidence as possible: screenshots of your transactions, proof that you cancelled or attempted to cancel, and documentation that Percy no longer provides the service.
Refunds through apple app store or google play
If you purchased Percy through an app store, request a refund directly from Apple or Google. These platforms typically grant refunds within 14 to 90 days of purchase if you demonstrate that the service is no longer available or that you did not authorize the charge. Your request is more likely to succeed if you emphasize that Percy ceased operations.
Refunds through regulatory complaint
If your bank and the app stores deny your refund request, you can file a formal complaint with the Competition Bureau or your provincial consumer protection authority. These agencies can compel Percy (or its successor entity, if one exists) to issue refunds if they determine that the billing violated consumer protection law. This process typically takes longer than a bank dispute but carries more regulatory weight.
Common mistakes to avoid
Many consumers inadvertently weaken their case by taking certain actions. You are not alone if you have made one of these mistakes-the good news is that you can still recover your money by following the proper legal framework from this point forward.
Mistake 1: not documenting your communications
Every email, call, or written message you send to your bank, Percy, or any other party becomes part of your legal record. Screenshot everything, save email confirmations, and write down the date and time of phone calls along with the name of the representative you spoke with. These records prove that you took reasonable steps to cancel and form the foundation of any formal complaint.
Mistake 2: ignoring your bank's deadline for disputes
Most banks allow you to dispute charges within 60 to 120 days of the transaction. If you wait longer, your bank may refuse to investigate. Mark your calendar now and file your dispute immediately if you have not already done so.
Mistake 3: paying Percy directly to "resolve" the issue
Do not send money to Percy or any third party claiming to represent Percy in an attempt to stop the charges. This can be a scam and strengthens Percy's claim that you authorized the charges. Instead, work exclusively through your bank and registered consumer protection authorities.
Mistake 4: failing to follow up
Banks and regulatory agencies receive thousands of disputes and complaints daily. If you do not hear back within the promised timeframe, call and email to check on the status of your case. Persistence often accelerates resolution.
After cancellation: protecting yourself going forward
Once you have cancelled Percy and filed your dispute, take steps to prevent similar situations in the future.
Monitor your accounts regularly
Check your bank and credit card statements every week for the next two months. If any further charges from Percy appear, screenshot them immediately and contact your bank again. Each additional charge strengthens your dispute case.
Review all active subscriptions
Log into your email account and search for "subscription," "receipt," and "confirm" to identify all active recurring charges. Cancel any subscriptions you no longer use. This prevents unwanted charges and simplifies your financial tracking.
Set up account alerts
Most banks and credit card issuers allow you to set up alerts for transactions above a certain amount or from specific merchants. Enable these alerts for your accounts to catch unauthorized charges quickly.
Consider a credit freeze (if necessary)
If you suspect identity theft or unauthorized account access beyond the Percy charges, contact Equifax Canada or TransUnion Canada to place a credit freeze on your file. This prevents fraudsters from opening new accounts in your name.
Comparison: cancellation methods by platform
| Platform | Cancellation method | Typical refund window | Difficulty |
|---|---|---|---|
| Bank or credit card issuer | File a dispute for unauthorized charges | 30-90 days | Easiest |
| Apple App Store | Settings > Subscriptions > Cancel | 14-90 days | Easy |
| Google Play | Play Store > Subscriptions > Cancel | 14-90 days | Easy |
| Percy direct (defunct) | Registered mail to last known address | No response likely | Very difficult |
| Competition Bureau complaint | Online complaint or registered mail | 90+ days (regulatory) | Moderately difficult |
Checklist for cancelling Percy
Use this checklist to track your progress and ensure you complete every necessary step.
- Reviewed email inbox and spam for Percy receipts and confirmations
- Gathered screenshots of all charges from your bank or credit card statement
- Called your bank and requested cancellation of all recurring Percy charges
- Filed a formal dispute for unauthorized charges with your bank
- Cancelled Percy through Apple App Store or Google Play (if applicable)
- Requested a refund from Apple or Google (if applicable)
- Sent a formal written cancellation notice to Percy via registered mail
- Documented all communication dates, times, and representative names
- Received confirmation number and dispute case file number from your bank
- Set up account alerts to monitor for future unauthorized charges
- Reviewed other active subscriptions and cancelled unnecessary ones
- Prepared to escalate to FCAC or provincial consumer protection authority if bank denies dispute
Next steps and escalation
Yafee has helped thousands of consumers cancel defunct services and recover unauthorized charges. If your bank denies your dispute or if you do not receive a satisfactory response within 30 days, your next step is formal escalation.
When to escalate to the financial consumer agency of canada
Contact the FCAC (Financial Consumer Agency of Canada) if your bank does not respond to your dispute within 30 days or if they deny your dispute and you believe their decision violated consumer protection law. The FCAC investigates complaints against banks and can compel financial institutions to reverse charges or provide additional compensation.
When to escalate to the competition bureau
If you believe Percy engaged in misleading advertising or unfair billing practices, file a complaint with the Competition Bureau. This federal agency investigates violations of the Competition Act and can pursue enforcement action against the company or its executives, resulting in refunds to consumers or public warnings.
When to escalate to your provincial consumer protection authority
Your province's consumer protection office (for example, the Ontario Ministry of Public and Business Services or Consumer Protection BC) handles complaints about unfair business practices and subscription billing violations. These agencies can compel a company to issue refunds or can facilitate mediation between you and the merchant.
Contact information and final address for Percy
If you choose to send a formal cancellation notice via registered mail, use the last known business address for Percy. Should you require assistance with formal escalation, Yafee's contract law specialists are available to review your case and advise on the strongest next steps. You retain the right to dispute any charge on your account, and Canadian consumer protection law stands firmly behind that right. Document every step, stay persistent, and know that Yafee's team understands the frustration of pursuing refunds from defunct services and is here to guide you through the process.