How to cancel Solidgate and recover your money in New Zealand
How to cancel Solidgate and recover your money in new zealand
What Solidgate is and why you might cancel
Solidgate is a payment processor that businesses use to accept and manage customer subscriptions, recurring charges and refunds. You do not interact with Solidgate directly as a consumer. Instead, the merchant you subscribe to uses Solidgate behind the scenes to process your payments. Understanding this distinction matters because it affects where you direct your cancellation request and how you escalate a complaint if the merchant ignores you.
Solidgate's role in your subscription
When you purchase a subscription through a merchant that uses Solidgate, your payment flows through Solidgate's platform to the merchant's account. Solidgate handles the technical processing but does not own your customer relationship. Consequently, you must cancel your subscription with the merchant, not with Solidgate. However, if the merchant becomes unresponsive or refuses to cancel, Solidgate can be compelled to cooperate with your complaint. Yafee specialists recommend understanding this chain of responsibility so you know exactly where to escalate if the merchant does not comply.
Common reasons to cancel a solidgate-processed subscription
You might cancel because the service no longer serves your needs, you forgot about an auto-renewal, the merchant breached your service agreement, or you want to dispute a charge altogether. Whatever your reason, New Zealand consumer law protects you. Yafee guides you through every step to enforce those rights and secure a refund if you are entitled to one.
Your consumer rights under new zealand law
New Zealand's consumer protection framework grants you statutory rights that apply to all subscriptions, regardless of whether they are processed by Solidgate or another payment gateway.
The consumer guarantees act 1993 and what it covers
The Consumer Guarantees Act 1993 (CGA) is your primary shield when you buy any service, including subscriptions. Under this Act, every supplier must guarantee that the service is of acceptable quality, fit for purpose, safe, durable and supplied with due care and skill. If a Solidgate-processed subscription fails to meet any of these guarantees, you have a statutory right to demand a refund, replacement or repair. Yafee emphasises that you do not need the merchant's permission to exercise this right. If the service breaches the Act, the law is firmly on your side.
Your legal position: If the service you purchased fails to meet a Consumer Guarantees Act standard, you can request a full refund without a cooling-off period. The payment processor (Solidgate) and the merchant are both legally responsible for ensuring the service meets these guarantees.
The 14-day cooling-off right for distance contracts
If you purchased your subscription online without face-to-face negotiation, you have a 14-calendar-day cooling-off right under the CGA. This means you can cancel and request a refund within 14 days of purchase, even if the service is performing correctly. The merchant and Solidgate cannot impose a cancellation fee or penalty during this period. To exercise this right, send written notice of cancellation to the merchant within 14 days and keep proof of the purchase date and your cancellation request. Yafee advises retaining all communication in case you need to escalate to New Zealand's consumer authority.
Your right to clear information and dispute resolution
Before you pay, you have the right to receive transparent information about charges, cancellation terms, refund policies and how to contact the merchant. If Solidgate or the merchant fails to provide this disclosure, that omission strengthens your position if you later dispute the charge. Furthermore, you can lodge a complaint with the Financial Dispute Resolution Scheme (FDRS) if a payment processor or merchant refuses to act on a legitimate claim. The FDRS is New Zealand's free dispute resolution service for financial service providers and can compel Solidgate or the merchant to justify their refusal to cancel or refund.
Methods to cancel your Solidgate subscription
Because Solidgate is the payment gateway and not the merchant, you must initiate cancellation directly with the merchant that charged you.
Identifying the merchant from your statement
Your first step is to identify who actually charged you. Review your recent bank or credit card statement and locate the transaction description. The merchant name (not "Solidgate") will appear on that transaction. Write down the exact business name, transaction date and amount. This information is essential when you contact the merchant to cancel.
Locating the merchant's contact details
Once you have identified the merchant, find their cancellation contact method. Check your subscription confirmation email for a cancellation or support link. Visit the merchant's website and look for a support, help or contact page. Most merchants provide an online cancellation portal, email address or phone number. If you cannot find cancellation instructions, contact their customer support team and ask explicitly for the cancellation process and any forms you must complete.
Requesting cancellation in writing
Always submit your cancellation request in writing, whether by email, online form or postal mail. Writing creates a documented record of your request, which is essential if you later need to escalate to Solidgate or the FDRS. Include your full name, account number, email address and the date you want the cancellation to take effect. State clearly that you want the subscription cancelled and any future charges stopped immediately. Specify whether you want a refund of charges already paid, and cite the grounds for your refund claim (for example, service failure under the Consumer Guarantees Act or your 14-day cooling-off right).
Step-by-step cancellation process
Follow this procedure to cancel your Solidgate-processed subscription and document your action.
- Verify the merchant name on your bank or credit card statement.
- Open your latest statement and locate the transaction description.
- Copy the exact merchant name, date and amount.
- Locate the merchant's cancellation method.
- Check your subscription confirmation email for a cancellation link or support contact.
- Visit the merchant's website and navigate to help, support or account settings.
- Search for "cancel subscription" or "manage my account" on their website.
- Submit your cancellation request in writing.
- Use the merchant's online cancellation portal if available.
- If no portal exists, send an email to their customer support or help address.
- Include your full name, account number, subscription email and the date you want cancellation to take effect.
- State the reason for cancellation and specify whether you are claiming a refund.
- Retain all evidence of your request.
- Save a copy of your cancellation email or take a screenshot of your online cancellation form submission.
- Note the date and time you submitted your request.
- Record any confirmation number the merchant provides.
- Wait for the merchant to respond within 5 business days.
- Check your email (including spam folder) for a confirmation of cancellation.
- Monitor your bank or credit card for any further charges from the merchant.
- If the merchant does not respond or refuses, escalate to Solidgate.
- Gather all evidence of your cancellation request and the merchant's refusal or non-response.
- Contact Solidgate's support team with your documentation and demand they intercede or process a chargeback.
What to do after you cancel
Cancellation does not end at the merchant's acknowledgement. You must verify that the charges have actually stopped and pursue a refund if you are entitled to one.
Monitor your account for continued charges
After you receive cancellation confirmation, watch your bank or credit card statement for the next two billing cycles. Verify that no further charges appear from the merchant. If you see a charge after cancellation, contact the merchant immediately to report the error and request a refund of that unauthorised charge. Document this communication in writing.
Pursuing a refund if the merchant refuses
If the merchant acknowledges your cancellation but refuses to refund charges you have already paid, you have multiple escalation options. First, contact Solidgate directly and explain that the merchant is not cooperating with your refund claim. Solidgate can pressure the merchant to comply. If Solidgate does not act within 10 business days, lodge a complaint with the Financial Dispute Resolution Scheme (FDRS). The FDRS will investigate and can compel Solidgate or the merchant to refund you if your claim is valid under the Consumer Guarantees Act or the 14-day cooling-off right.
Documenting your refund claim
Maintain a complete file of all communication with the merchant, Solidgate and the FDRS, including emails, screenshots and confirmation numbers. Record dates, names of staff members you spoke with, and summaries of phone conversations. This documentation strengthens your case if the dispute escalates and is invaluable if you need to pursue the matter through the FDRS or small claims court.
Refund timelines and what to expect
Refund processing times vary depending on the reason for your cancellation and who processes the refund.
| Refund scenario |
Timeline |
Who processes it |
| 14-day cooling-off cancellation |
10-14 business days |
Merchant or Solidgate |
| Service failure under Consumer Guarantees Act |
5-10 business days (disputed) |
Merchant; escalate via FDRS if refused |
| Unauthorised charge or chargeback |
15-30 business days |
Your bank (via Solidgate and merchant) |
| FDRS investigation and decision |
20-40 business days |
FDRS determination; Solidgate or merchant executes |
| Merchant initiated refund (goodwill) |
3-5 business days |
Merchant |
Yafee recommends checking with your bank on the refund status if you do not see the funds within the expected window. Banks sometimes hold refunds temporarily, and you have the right to ask your bank to track the refund through Solidgate back to the merchant.
Common mistakes to avoid
Most cancellation disputes arise from avoidable errors. Staying alert and methodical protects your rights and strengthens your position if escalation becomes necessary.
Contacting Solidgate instead of the merchant
Your first instinct may be to contact Solidgate, but Solidgate will direct you back to the merchant. Wasting time on this detour delays your cancellation. Go directly to the merchant's website or customer support. Yafee advises only contacting Solidgate if the merchant is unresponsive after 5 business days.
Cancelling by phone without written confirmation
Verbal cancellation requests often disappear without trace. Always submit your cancellation in writing via email or the merchant's online form. If you must cancel by phone, follow up immediately with a written email confirming the call, the date, the staff member's name and what you discussed. This creates a paper trail.
Failing to pursue refunds promptly
Do not assume the merchant will refund automatically after cancellation. Many merchants cancel future charges but do not refund past payments unless you explicitly request it. Within 14 days of cancellation, send a second written message stating that you are cancelling under the 14-day cooling-off right (if applicable) or due to service failure, and demand a full refund of charges already paid.
Ignoring charges after cancellation
If you see a charge from the merchant after cancellation, act immediately. Contact the merchant in writing and report the unauthorised charge. If the merchant does not refund within 5 business days, contact your bank and dispute the charge directly. This creates a separate refund channel and puts pressure on both the merchant and Solidgate to resolve the error.
Missing the 14-day window
Your 14-day cooling-off right begins on the date of purchase, not the date you notice a charge. Once 14 days pass, you lose this automatic right and must prove the service breached the Consumer Guarantees Act. Mark your purchase date in your calendar and act within the window.
Pricing comparison and typical Solidgate charges
Solidgate itself does not charge you directly; the merchant you subscribe to bears Solidgate's processing fees. However, understanding typical subscription pricing helps you identify whether a charge is legitimate.
| Subscription type |
Typical NZD cost |
Billing frequency |
Cancellation refund eligibility |
| SaaS software (e.g. project management) |
$15 - $99 NZD |
Monthly |
Full refund within 14 days (cooling-off) |
| Streaming or media service |
$12 - $25 NZD |
Monthly |
Full refund within 14 days |
| Fitness or membership subscription |
$20 - $80 NZD |
Monthly |
Full refund within 14 days if no service delivered |
| Professional services (e.g. coaching) |
$50 - $500 NZD |
Monthly / Annual |
Refund if service fails CGA standard |
| Digital product subscription |
$5 - $30 NZD |
Monthly / Annual |
Refund within 14 days (cooling-off) |
Yafee advises that regardless of the subscription price, your statutory rights under the Consumer Guarantees Act and cooling-off provisions apply equally. Do not assume a low-cost subscription is non-refundable.
When to escalate beyond the merchant
If the merchant does not respond or refuses your cancellation or refund request, escalation channels exist to enforce your rights.
Escalating to Solidgate for non-compliance
If the merchant ignores you for more than 5 business days or explicitly refuses a valid cancellation or refund claim, contact Solidgate. Gather all evidence of your attempts to cancel (emails, screenshots, dates) and send them to Solidgate's support team. Explain that the merchant is breaching the Consumer Guarantees Act or your cooling-off right. Demand that Solidgate either compel the merchant to refund or process a chargeback through the payment system. Solidgate has a compliance obligation and can freeze the merchant's account if they repeatedly breach consumer law.
Filing a complaint with the financial dispute resolution scheme
The FDRS is New Zealand's independent dispute resolution service for financial complaints. If Solidgate does not act within 10 business days, lodge a complaint with the FDRS. The FDRS is free and will investigate whether the merchant or Solidgate breached the Consumer Guarantees Act or your cooling-off right. The FDRS can compel either party to refund you up to NZD $15,000. Submit your complaint online at www.fdr.org.nz and include all documentation of your cancellation request and the merchant's or Solidgate's refusal or non-response.
Contacting the commerce commission if the merchant is rogue
If you discover that the merchant is systematically refusing cancellations or refunds despite clear consumer rights, report the conduct to the Commerce Commission (New Zealand's consumer protection regulator). The Commerce Commission investigates unfair trading practices and can take enforcement action if a merchant breaches the Consumer Guarantees Act or Fair Trading Act 1986. Your report contributes to the Commission's intelligence and may prompt an investigation that protects other consumers.
Checklist for cancelling your Solidgate subscription
Use this checklist to ensure you have completed every necessary step and documented your cancellation properly.
| Action |
Completed? |
Date |
| Identified the merchant name from your bank statement |
Yes / No |
|
| Located the merchant's cancellation contact method |
Yes / No |
|
| Submitted written cancellation request (email or online form) |
Yes / No |
|
| Received confirmation of cancellation from the merchant |
Yes / No |
|
| Verified no charges appear on next statement |
Yes / No |
|
| Requested refund in writing (if eligible) |
Yes / No |
|
| Saved all cancellation emails and confirmations |
Yes / No |
|
How yafee can help you recover your money
Navigating subscription cancellations and refund claims can be time-consuming and frustrating, especially when merchants delay or refuse to comply. Yafee specialises in guiding New Zealand consumers through every step of the cancellation process and escalation to the FDRS or Commerce Commission.
Yafee has helped thousands of consumers cancel unwanted subscriptions, recover refunds and escalate complaints when merchants fail to cooperate. Our contract law specialists understand the Consumer Guarantees Act, cooling-off rights and dispute resolution procedures. We help you draft professional cancellation requests, build a complete evidence file and know exactly when and how to escalate to Solidgate, the FDRS or the Commerce Commission.
If you are struggling to cancel a Solidgate-processed subscription or recover a refund, Yafee provides transparent, practical advice grounded in New Zealand law. Visit yafee.com today to learn how Yafee can help you reclaim your money.
If you need to submit a formal complaint or cancellation notice to Solidgate, use the address below. However, as noted earlier, your first port of call should always be the merchant you actually subscribe to.
Solidgate correspondence address
Solidgate
Limassol
Cyprus
Note: Solidgate does not maintain a public postal address in New Zealand. If you must contact Solidgate, do so through their online support portal or by email. Yafee advises that most consumer complaints are resolved faster by escalating to the FDRS rather than waiting for a response from Solidgate's headquarters in Cyprus.
New zealand escalation contacts
Financial Dispute Resolution Scheme (FDRS)
Phone: 0800 662 725 (free)
Website: www.fdr.org.nz
Commerce Commission
Phone: 0800 943 600
Website: www.comcom.govt.nz
Yafee recommends contacting the FDRS if you have exhausted cancellation options with the merchant and Solidgate has not acted within 10 business days. The FDRS process is faster and free, and they have enforcement power over payment processors and merchants in New Zealand.