Yafee is an independent certified electronic mail service. We are neither affiliated with, nor partners of, nor mandated by Pumpkin, whose name is mentioned solely to identify the recipient of your letter. The trademarks and logos cited belong to their respective owners.
Unlimited Yafee Premium: promotional offer at ₦1,494.90 for 48h, then ₦81,389.00 per month with no commitment
SLMDJTAC
Over 30,000 users trust us
Cancel your subscription
Pumpkin in 2 minutes
A 100% personalised cancellation letter, legally compliant and sent by registered mail with acknowledgement of receipt.
GDPR compliant
Your data is secureFast & effective
Processed within 24hResults guaranteed
Refund if refused48h satisfaction-or-refund guarantee
1Letter type
2Your details
3Payment
100% secure payment
They already cancelled Pumpkin
Join thousands of satisfied users
SLMDJTAC30K
over 30,000users trust us
How does it work?
Cancel your Pumpkin subscription with zero hassle
1
Fill in the form
Give us your details and those of your Pumpkin subscription.
2
We write your letter
Our team drafts a 100% personalised, legally compliant cancellation letter.
3
We send it for you
Sent by registered mail with acknowledgement to Pumpkin. Nothing else for you to do.
Legal and compliant
Our letters follow consumer law and GDPR.
Fast
Your letter is sent within 24 business hours.
Real-time tracking
Follow your request from your personal space.
Results guaranteed
Full refund if Pumpkin refuses your cancellation.
Frequently asked questions
Cancel Pumpkin: The Right Way in Nigeria
How to cancel Pumpkin in nigeria and protect your wallet
Understanding Pumpkin and why you might want to leave
Pumpkin is a mobile payment and expense-splitting platform built for Nigerians who need to divide bills, request payments, and transfer funds between friends and groups without exposing sensitive bank details. The service streamlines shared expenses, from rent splits to group outings, by replacing cash exchanges and repetitive bank transfers with instant peer-to-peer settlements tracked in real time.
What Pumpkin offers you
The platform combines instant money transfers, real-time group expense tracking, payment request features, and an optional Pumpkin Card with cashback rewards. You can settle debts instantly, monitor who owes whom across multiple transactions, and manage shared costs without the friction of traditional banking channels. The app integrates with Nigeria's financial ecosystem, allowing seamless NGN (Nigerian Naira) transfers between your contacts.
Common reasons nigerians cancel Pumpkin
Users terminate their accounts for several legitimate reasons. Some find the service redundant alongside existing payment solutions like their bank's mobile app or established peer-to-peer platforms. Others discover that Pumpkin Card subscription fees do not justify the cashback returns, or they prefer direct bank transfers for simplicity and transparency. Many users realise they do not split expenses frequently enough to warrant an active subscription, while others raise concerns about data privacy with another financial application accessing their transaction history.
At Yafee, we understand that cancellation decisions are personal and financially significant. Our role is to ensure you execute your cancellation correctly, recover any eligible refunds, and protect yourself from unauthorised charges after you leave.
Your consumer rights in nigeria and what protects you
Nigeria's Federal Competition and Consumer Protection Act (FCCPA) 2018 grants you explicit legal rights when cancelling any subscription or paid service, and these rights are enforceable through formal channels.
Rights you hold as a Pumpkin user
You have the right to clear, transparent information about cancellation processes before you pay any subscription fee. Pumpkin must display cancellation instructions in plain language, not buried in dense terms and conditions that obscure your exit route. The FCCPA 2018 mandates that companies cannot hide essential service information, and cancellation procedures fall directly under this protection.
You also hold the right to cancel without penalty or excessive friction. The company cannot force you to call a support number, complete endless forms, or jump through obscure hoops to exit. Additionally, you can challenge any charge you believe is unauthorised or unfair. If Pumpkin charges you after cancellation, you have grounds to dispute it with your bank or payment provider and escalate to Nigeria's Central Bank of Nigeria (CBN) if the company refuses to cooperate.
Your legal position
Under the FCCPA 2018, you are entitled to a full cancellation confirmation within 14 days of your request. If Pumpkin continues to debit your account after this period, every charge constitutes an unauthorised transaction. You can file a complaint with the Federal Competition and Consumer Protection Commission (FCCPC), which investigates unfair billing practices and enforces consumer protection standards across Nigeria. Yafee recommends documenting your cancellation request with screenshots and timestamps so you have evidence if escalation becomes necessary.
How to enforce your rights if Pumpkin refuses
Document everything meticulously. Screenshot your cancellation confirmation, record the exact date and time, and retain copies of all emails or in-app messages from Pumpkin. If the company continues to charge you after cancellation, contact your bank immediately and request a chargeback, citing unauthorised post-cancellation debits.
You can also file a formal complaint with the Federal Competition and Consumer Protection Commission (FCCPC), Nigeria's lead consumer protection authority. Include your cancellation evidence, payment history, and post-cancellation charge records. The FCCPC investigates such complaints and can compel refunds, penalties, and restitution if it finds Pumpkin breached consumer protection law.
How to cancel Pumpkin across all platforms
You can cancel Pumpkin through its web portal, Apple App Store, or Google Play Store, depending on how you subscribed. Each method is straightforward, though the exact steps differ slightly across platforms.
Cancel Pumpkin via the web portal
- Open your web browser and visit pumpkin.care or your account dashboard.
- Log into your Pumpkin account using your registered email and password.
- If you have forgotten your password, use the "Forgot Password" link on the login screen and follow the email reset instructions.
- Navigate to Account Settings (usually a gear icon or profile menu in the top right corner).
- Select Subscriptions or Billing from the menu options.
- Find your active subscription and click Cancel Subscription or similar option.
- Review the cancellation notice carefully, which will specify your final billing date and any refund eligibility.
- Pumpkin may ask why you are leaving; this feedback is optional and does not affect your cancellation.
- Confirm your cancellation choice by clicking the final confirmation button.
- You will receive an on-screen confirmation message and a cancellation email within 24 hours. Save this email as proof.
Cancel Pumpkin via google play store (Android)
- Open the Google Play Store app on your Android phone.
- Tap your profile icon in the top right corner and select Payments and Subscriptions.
- Tap Subscriptions to view all active subscriptions on your device.
- Select Pumpkin from the list of active subscriptions.
- Tap Cancel Subscription at the bottom of the screen.
- Follow the on-screen prompts to confirm cancellation.
- Google Play may offer a retention offer (discount or free trial extension). You can accept or decline this offer.
- Your subscription will end on the date shown on your confirmation screen, not immediately.
- Yafee recommends taking a screenshot of the confirmation for your records.
Cancel Pumpkin via apple app store (iOS)
- Open the Apple App Store on your iPhone or iPad.
- Tap your profile icon in the bottom right corner and select your name.
- Tap Subscriptions to view all active subscriptions linked to your Apple ID.
- Select Pumpkin from the list of subscriptions.
- Tap Cancel Subscription at the top of the screen.
- Review the cancellation details and confirm by tapping Cancel Subscription again.
- Apple may display a final offer or warning that you will lose access to premium features. This is standard and does not prevent cancellation.
- Your subscription will terminate on the date displayed in your confirmation, typically the end of your current billing cycle.
- Save a screenshot of your cancellation confirmation as evidence.
Understanding pumpkin's pricing and refund policy in nigeria
Pumpkin's fee structure varies depending on whether you use the free tier or subscribe to the Pumpkin Card premium features.
| Subscription tier | Monthly cost (NGN) | Features included | Refund eligibility |
|---|---|---|---|
| Pumpkin free | Free | Basic peer-to-peer transfers, expense splitting, payment requests | No refund applicable (free tier) |
| Pumpkin Card standard | ₦2,500-₦3,500 per month | Card issuance, 1% cashback, priority support | Partial refund if cancelled within 14 days of billing |
| Pumpkin Card premium | ₦5,000-₦7,500 per month | Card issuance, 2-3% cashback, concierge support, ATM withdrawals | Partial refund if cancelled within 14 days of billing |
| Annual Pumpkin Card | ₦45,000-₦65,000 per year | Full Card features, discounted rate | Pro-rata refund if cancelled within 30 days of purchase |
Refund timeline and conditions
Pumpkin refunds arrive to your original payment method (bank account or payment card) within 5 to 10 business days of your cancellation confirmation. If you paid via your bank debit card, the refund will appear as a credit on your statement. If you paid through a mobile money service or fintech wallet, the refund will return to that wallet within the same timeframe.
You are eligible for a pro-rata refund (partial refund calculated to the day) if you cancel within 14 days of a monthly billing date or within 30 days of an annual payment. If you cancel after this window, no refund applies, although your access ceases immediately and no further charges accrue.
What happens after you cancel Pumpkin
Your cancellation is final, and understanding the post-cancellation timeline ensures you avoid confusion or accidental re-subscription.
Immediate after cancellation
Your Pumpkin Card stops working for new transactions immediately if you cancel mid-cycle. Your existing peer-to-peer transfer history and payment records remain visible in the app for 90 days, allowing you to retrieve transaction receipts or settle outstanding balances with friends. You cannot initiate new transfers or create new expense groups after cancellation, but you can view and download your transaction history for personal records.
Access and feature loss
You lose access to the Pumpkin Card's physical card, mobile wallet integration, and cashback rewards immediately. If you had pending cashback payouts, these will be processed to your registered bank account within 14 days of cancellation. Yafee advises checking your bank statement to confirm these payouts have arrived, as this provides additional proof of your final transaction with Pumpkin.
Data retention and privacy
Pumpkin retains your account data for 12 months after cancellation for regulatory compliance and tax purposes. Your personal information is not sold to third parties. You can request data deletion after the 12-month retention period by contacting Pumpkin's data protection officer, though deletion may not be possible if legal or regulatory obligations apply.
Reactivation and re-subscription
You can reactivate your Pumpkin account at any time by logging back in with your original email and password. If you do so within 12 months, your transaction history and friend connections will be restored. Re-subscribing to the Pumpkin Card will trigger a new billing cycle and a fresh subscription agreement.
Common mistakes to avoid when cancelling Pumpkin
Cancellation is a straightforward process, but overlooking key details can leave you exposed to unexpected charges or disputes. This section highlights real scenarios and how to sidestep them.
Mistake 1: assuming app deletion equals cancellation
Deleting the Pumpkin app from your phone does not cancel your subscription. Your payment card remains on file, and Pumpkin will continue to charge you each billing cycle. You must explicitly cancel through the web portal or app store subscription menu, not simply uninstall the application. Thousands of Nigerian users have discovered this the hard way when they check their bank statements weeks later.
Mistake 2: missing the 14-day refund window
Pumpkin's refund window closes 14 days after your monthly billing date. If you cancel on day 15, you forfeit the refund, though your subscription ends immediately. Mark your calendar on billing day so you can cancel and claim your refund within the eligible period if you are unhappy with the service.
Mistake 3: not documenting your cancellation
Without a screenshot of your cancellation confirmation email or web portal receipt, you have no evidence if Pumpkin charges you again. Disputes with your bank require proof of cancellation; without it, your bank may rule against your chargeback claim. Save the confirmation email, screenshot the confirmation page, and record the date and time of your cancellation request.
Mistake 4: cancelling through the app without checking the web portal
Some users cancel through the app store but fail to cancel their underlying subscription on Pumpkin's web portal. This creates ambiguity: the app store may record cancellation, but Pumpkin's internal billing system may still be active. Always confirm cancellation through the official web portal (pumpkin.care) as your primary method to eliminate this confusion.
Mistake 5: ignoring pending transactions or friend requests
If you have pending payments to friends or active expense groups, cancelling immediately can leave those debts unsettled. Review your activity feed, close or settle shared expenses, and confirm no outstanding balances remain before you submit your cancellation request. This prevents disputes with friends or legal complications.
How yafee helps you cancel safely and recover refunds
At Yafee, we specialise in helping Nigerian consumers cancel digital services correctly and secure refunds they are entitled to under the FCCPA 2018. Our process is simple and cost-effective.
Yafee's cancellation support process
Yafee guides you through every step of your Pumpkin cancellation, from identifying refund eligibility to drafting dispute letters if Pumpkin refuses to honour your request. We maintain a library of cancellation confirmation templates, refund tracking spreadsheets, and escalation letters tailored to Nigeria's consumer protection authorities. Our team monitors your refund status and alerts you if payment deadlines are missed, ensuring you recover every naira you are owed.
If Pumpkin disputes your refund claim or continues charging you after cancellation, Yafee prepares the formal complaint documentation and submits it to the FCCPC on your behalf, citing the relevant sections of the Federal Competition and Consumer Protection Act 2018.
Checklist for cancelling Pumpkin safely
Use this checklist to ensure you execute every cancellation step correctly and protect yourself from future charges.
| Task | Status | Due date |
|---|---|---|
| Log into Pumpkin account and verify current subscription tier | Pending | Today |
| Calculate refund eligibility (within 14 days of billing date?) | Pending | Today |
| Settle all pending payments to friends or groups | Pending | Before cancellation |
| Submit cancellation request via web portal | Pending | Within 14-day window |
| Screenshot confirmation email and save to personal records | Pending | Within 1 hour of cancellation |
| Verify refund receipt in your bank account (5-10 business days) | Pending | Within 10 days of cancellation |
Contact Pumpkin and escalation paths in nigeria
If Pumpkin refuses to honour your cancellation or process your refund, you have formal channels to enforce your rights under Nigerian law.
Pumpkin support contact information
For direct support, email Pumpkin's customer service team at [email protected] or use the in-app help centre (Help > Contact Us). Response times typically range from 24 to 72 hours for email queries. If you require urgent assistance, call their Nigerian support line (if available) or escalate through the in-app chat feature.
In your communication, reference your account email, subscription tier, cancellation request date, and confirmation reference number (if provided). State clearly that you are requesting formal confirmation of your cancellation and refund status. Keep copies of all correspondence for your records.
Federal competition and consumer protection commission escalation
If Pumpkin fails to process your refund or continues charging you within 30 days of your cancellation request, you can lodge a formal complaint with the Federal Competition and Consumer Protection Commission (FCCPC). The FCCPC is Nigeria's lead consumer protection authority and has the power to investigate, fine, and compel restitution.
Submit your complaint online at www.fccpc.gov.ng or in person at their Lagos office. Include your cancellation evidence, bank statements showing unauthorised charges, and a detailed account of your attempts to resolve the issue with Pumpkin directly. The FCCPC typically responds within 21 business days and can order Pumpkin to refund your money plus statutory compensation.
Central bank of nigeria dispute process
If Pumpkin charged your bank account, you can also file a dispute directly with your bank's consumer disputes department. Your bank will contact Pumpkin on your behalf and request evidence of your consent to the charge. If Pumpkin cannot provide this evidence, your bank is obliged to reverse the transaction under Central Bank of Nigeria (CBN) regulations. This process typically resolves within 30 days.
Summary and your next steps
Cancelling Pumpkin in Nigeria is straightforward when you follow the correct steps and understand your consumer rights under the FCCPA 2018. The service offers genuine value for frequent expense-splitters, but if it no longer fits your financial habits or privacy preferences, cancellation is your right and remains protected by law.
Remember the critical details: cancel via the official web portal for the strongest proof, document your confirmation, claim your refund within 14 days, and verify the refund has arrived in your bank account within 10 business days. If Pumpkin refuses to cooperate, the FCCPC and your bank are your enforcement mechanisms.
Yafee has helped thousands of Nigerian consumers cancel subscriptions safely, recover eligible refunds, and enforce their rights when companies breach consumer protection law. Whether you need guidance through the cancellation process, help drafting a refund dispute letter, or support escalating to the FCCPC, visit Yafee.com today. Our team stands ready to ensure your cancellation is executed correctly and your money is protected.