Yafee is an independent certified electronic mail service. We are neither affiliated with, nor partners of, nor mandated by Ipay, 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 $1.36 for 48h, then $73.99 per month with no commitment
SLMDJTAC
Over 30,000 users trust us
Cancel your subscription
Ipay 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 Ipay
Join thousands of satisfied users
SLMDJTAC30K
over 30,000users trust us
How does it work?
Cancel your Ipay subscription with zero hassle
1
Fill in the form
Give us your details and those of your Ipay 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 Ipay. 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 Ipay refuses your cancellation.
Frequently asked questions
Cancel Ipay: Step-by-Step Guide
How to cancel Ipay and secure your payment methods in singapore
What is Ipay and why cancellation matters
Ipay, operating under ISEND GLOBAL PTE. LTD. and the iPaymy brand, functions as a third-party payment processor that facilitates card transactions on your behalf. The platform bridges the gap between your card and merchants or billers where direct card payments may be restricted, and it enables you to capture card rewards or miles in the process. Fundamentally, Ipay differs from traditional subscription services because it charges transaction-based fees rather than ongoing membership costs.
You may need to cancel Ipay if you no longer use its payment services, wish to remove saved payment methods for security reasons, want to stop recurring or scheduled payments to specific merchants, or prefer to switch to an alternative payment processor. Understanding your cancellation options empowers you to take control of your payment methods and protect your financial data. Yafee has created this guide to walk you through the process with clarity and confidence.
How Ipay operates differently from subscription platforms
Unlike Netflix, Spotify, or other recurring subscription services, Ipay does not charge monthly membership fees or operate through App Store or Google Play billing systems. Instead, you manage payments, saved cards, and account access directly through Ipay's dashboard or by contacting their support team. This distinction means the cancellation process requires more direct communication with the company but is simpler in structure because there are no app store subscription records to cancel through a mobile device.
Common reasons singaporeans cancel Ipay
Users in Singapore typically cancel Ipay after resolving security concerns about stored payment methods, stopping recurring payments to a merchant, closing their account entirely after switching payment processors, or simply ceasing to use the service. Whatever your reason, Yafee ensures you have the information needed to cancel confidently and protect your financial position.
Your consumer rights when cancelling payment services in singapore
Singapore's Consumer Protection (Fair Trading) Act establishes clear statutory protections when you use payment services like Ipay.
Statutory protections under the consumer protection (Fair trading) act
The Consumer Protection (Fair Trading) Act requires Ipay to disclose all transaction fees clearly before you confirm payment. You retain the right to dispute charges made without your consent and request a reversal. Consequently, if Ipay charges you incorrectly, processes a payment twice due to system error, or applies unauthorised fees, you have grounds to escalate your complaint to the Consumers Association of Singapore (CASE) if the company fails to resolve the matter within a reasonable timeframe.
Your legal position: You are protected under the Consumer Protection (Fair Trading) Act. Ipay must act transparently and fairly in all transaction disclosures and billing practices. If Ipay refuses to cancel your account or reverse disputed charges, CASE provides free mediation and dispute resolution services.
Retain all payment receipts, confirmation emails, and correspondence with Ipay. These records strengthen your case if you need to file a formal dispute or escalate to CASE. Yafee recommends maintaining a digital folder of all transaction evidence for at least 12 months after cancellation.
What refunds Ipay will and will not provide
Ipay itself does not refund you for goods or services purchased through merchants. Once Ipay processes your payment and sends funds to a merchant, that transaction is complete from Ipay's perspective. Any refund for merchant goods or services must be requested directly from the merchant or through the merchant's customer service process. However, Ipay may reverse charges if the payment was not authorised by you, was processed twice due to a technical error, or if the transaction violates Ipay's terms of service.
Ipay pricing and transaction fee breakdown for singapore
Understanding Ipay's fee structure helps you evaluate whether to continue using the service or cancel in favour of alternatives with lower costs.
Current fee schedule for singapore users
| Payment type | Fee rate | Billing basis | Applies to |
|---|---|---|---|
| Domestic Visa, UnionPay, AMEX (SGD payouts) | 1.50% | Per transaction | Singapore-based merchants |
| International credit cards (cross-border) | 2.00-2.95% | Per transaction | Overseas merchants and billers |
| Bank transfer (instant) | 0.50-1.00% | Per transaction | Direct bank account payments |
| Recurring or scheduled payments | 1.50% | Per cycle | Recurring subscription billers |
| Failed payment retry | SGD 0.50 | Per attempt | Automatic retry on failed transactions |
| Account closure or payment method removal | Free | No charge | Cancellation requests |
Whether your transaction fees justify continuing service
Evaluate your monthly transaction volume and fee exposure. If you process 10 transactions per month at an average value of SGD 150, you pay approximately SGD 22.50 monthly in Ipay fees (1.50% rate). Over 12 months, this totals SGD 270. Compare this cost against alternative payment methods such as direct merchant billing, PayNow transfers, or bank-linked payment platforms. Yafee recommends documenting your fee history before cancellation to assess whether switching providers will reduce your overall transaction costs.
How to cancel your Ipay account
The cancellation process for Ipay requires direct contact with the company because the service does not operate through subscription app stores.
Step 1: log into your Ipay account and document your details
Access your Ipay account using your registered email address and password. Navigate to your account settings and record your account number, registered mobile number, and full name. Take screenshots of your account dashboard showing any active payment methods or recurring payments. This information ensures Ipay correctly identifies your account during the cancellation process and prevents accidental cancellation of another account.
Step 2: review active payments and scheduled transactions
Examine your payment history and identify any recurring or scheduled payments linked to your account. Note the merchant names, payment amounts, and scheduled dates. If you wish to cancel only specific payments rather than your entire account, list these clearly. Stopping recurring payments before full account closure prevents duplicate charges or failed payment attempts after your account closes.
Step 3: contact Ipay support to initiate cancellation
Submit your cancellation request using one of the following methods:
- Email Ipay's support team at the registered office address listed below, clearly stating "Account Cancellation Request" in the subject line. Include your full name, account number, registered email address, and the reason for cancellation.
- Call Ipay's customer service hotline during business hours (typically Monday to Friday, 0900-1800 Singapore time) and request immediate account closure. Request a confirmation reference number for your call.
- Submit a cancellation request through Ipay's online support portal if available, ensuring you retain a copy of your submission for your records.
In your cancellation communication, explicitly request confirmation of the following: the date your account will close, whether any pending transactions will be processed, any final fees that may apply, and confirmation that all saved payment methods have been deleted.
Step 4: request written confirmation of cancellation
After you submit your cancellation request, Ipay must provide written confirmation within 7 business days. This confirmation should include:
- Your account number and name
- The cancellation date
- Confirmation that all saved payment methods have been securely deleted
- Confirmation that all recurring payments have been stopped
- Any outstanding balance or final fees applied
- Instructions for disputing any subsequent charges
If Ipay does not provide written confirmation within 7 business days, send a follow-up email referencing your original request and citing your rights under the Consumer Protection (Fair Trading) Act. Retain this follow-up email as evidence of your cancellation attempt.
Step 5: verify successful cancellation and monitor your accounts
After receiving cancellation confirmation, monitor your bank account and credit card statements for 30 days to ensure no further charges from Ipay appear. If you detect any unauthorised charges after cancellation, contact your bank immediately and file a dispute. Simultaneously, notify Ipay of the unauthorised charge and reference your cancellation confirmation. If Ipay or your bank does not resolve the dispute within 14 days, escalate your complaint to CASE.
Timeline and processing expectations
Ipay typically processes cancellation requests within 3 to 7 business days from the date you submit your request. Weekends and public holidays in Singapore are not counted as business days. Once Ipay confirms your cancellation in writing, your account closes immediately, and no further transactions can be processed through your account. Nevertheless, your bank or card issuer may take an additional 5 to 10 business days to remove Ipay as an authorised merchant on your account.
What happens after you cancel Ipay
Cancellation brings relief, but several practical steps ensure a smooth transition.
Saved payment methods and data security
Upon cancellation, Ipay must securely delete all saved payment methods, including card numbers, bank account details, and billing addresses. Request explicit confirmation that your personal data has been deleted from Ipay's systems. Under Singapore's Personal Data Protection Act (PDPA), Ipay is legally obligated to delete personal data within a reasonable timeframe after account closure. If you have concerns about data retention, contact Ipay's Data Protection Officer or file a complaint with the Personal Data Protection Commission (PDPC).
Ongoing bills and merchant subscriptions
If you used Ipay to pay recurring bills or merchant subscriptions, you must establish alternative payment methods before your Ipay cancellation takes effect. Contact each merchant or biller at least 5 business days before your scheduled Ipay cancellation and provide updated payment details. This prevents service interruption or failed payment attempts. Yafee recommends maintaining a list of all merchants connected to your Ipay account so you do not overlook any renewal payments.
Refund status for pending transactions
Any transactions still processing when your account closes may not complete. Contact Ipay to confirm the status of pending payments. If funds were debited from your account but the payment failed to reach the merchant, Ipay must refund the transaction fee within 5 business days. If you encounter a refund delay, escalate to your bank and request a chargeback if necessary.
Common cancellation mistakes and how to avoid them
Most cancellation complications arise from incomplete communication or failure to monitor accounts post-closure; careful planning prevents these issues.
Mistake 1: cancelling without stopping recurring payments first
If you cancel your Ipay account while recurring payments remain active, those merchants may attempt to charge you through Ipay, resulting in failed transactions and potential late fees from the merchant. Before submitting your cancellation request, explicitly instruct Ipay to stop all recurring payments and provide a list of merchants to confirm cessation. Request written confirmation that each recurring payment has been terminated.
Mistake 2: failing to provide alternative payment methods to merchants
Cancelling Ipay without notifying merchants creates a gap in payment flow. Update your payment details with each merchant before Ipay closure. Yafee recommends sending merchants a notification email at least 7 days before your cancellation date, explaining that you will no longer use Ipay and providing your new payment method.
Mistake 3: not retaining cancellation confirmation documents
If a dispute arises after cancellation, your written confirmation from Ipay serves as proof of account closure. Store this email and all supporting correspondence in a dedicated folder for at least 2 years. Without this documentation, disputing any post-cancellation charges becomes significantly more difficult.
Mistake 4: ignoring post-cancellation charges
Some users assume that charges appearing after cancellation are merchant errors and ignore them. Contact Ipay immediately if you detect any charge after your confirmed cancellation date. Your swift action strengthens your dispute and demonstrates good faith to both Ipay and your bank. Delays in reporting unauthorised charges may affect your dispute outcome.
Comparison of payment alternatives in singapore
Evaluate these alternatives to Ipay based on fee structure, security, and merchant coverage.
| Payment method | Transaction fee | Security level | Merchant coverage | Refund process |
|---|---|---|---|---|
| Direct credit card (Visa, Mastercard) | 0% (no middleman) | High (issuer protection) | Highest | Fast (card issuer) |
| PayNow (DBS/OCBC/UOB) | 0% (peer-to-peer) | High (bank-backed) | Medium (Singapore only) | Standard (5-7 days) |
| Grab Pay or GCash wallet | 0-2% | Medium (app-based) | High (merchants + billers) | Moderate (3-5 days) |
| Apple Pay or Google Pay | 0% (card-linked) | High (tokenisation) | Medium (online + selected merchants) | Fast (via card issuer) |
| Bank direct debit or GIRO | 0% | High | Highest (utilities, insurance) | Fastest (automatic) |
| Ipay (current) | 1.50-2.95% | Medium | Medium | Slow (3-7 days) |
Checklist for your Ipay cancellation
Use this checklist to ensure you complete every cancellation step correctly.
- Document your Ipay account number, registered email, and full name
- Screenshot your account dashboard and payment history
- List all active recurring payments and merchant names
- Contact each merchant to provide alternative payment methods (at least 5 days before cancellation)
- Submit cancellation request via email with subject line "Account Cancellation Request"
- Retain confirmation reference number or email receipt of your request
- Receive and store written cancellation confirmation from Ipay
- Verify cancellation confirmation includes deletion of saved payment methods
- Monitor your bank account and credit card statements for 30 days post-cancellation
- If unauthorised charges appear, dispute them immediately with your bank and Ipay
- Archive all cancellation documents for 2 years
Why consumers in singapore choose to cancel Ipay
User reviews and feedback reveal consistent reasons for cancellation. Many cite rising transaction fees as costs accumulate across multiple monthly payments. Others prioritise fee-free alternatives such as direct card payments or bank-linked services. Security concerns about storing payment methods on third-party platforms drive cancellations after data breach notifications or personal preference shifts. Yafee has observed that users increasingly favour integrated payment solutions offered by their primary bank rather than external payment processors. Merchant-specific issues-such as a biller dropping Ipay support-also necessitate account closure and transition to alternative payment methods.
Contact information and cancellation address
Submit your cancellation request to ISEND GLOBAL PTE. LTD. (operating as Ipay and iPaymy) using the following registered office address:
ISEND GLOBAL PTE. LTD.
138 Market Street
#23-02 CapitaGreen
Singapore 048946
Alternatively, contact Ipay's customer service team via email at [email protected] or through their official website contact portal. Request written acknowledgement of your cancellation request and retain all correspondence.
If Ipay fails to respond to your cancellation request within 7 business days or refuses to cancel your account, lodge a formal complaint with the Consumers Association of Singapore (CASE) at www.case.org.sg or call 1800-6 CASE (2273). CASE provides free mediation services and will escalate your dispute if necessary. Yafee has helped thousands of consumers navigate payment processor cancellations and understand their rights under the Consumer Protection (Fair Trading) Act. Your cancellation is your right-Yafee ensures you exercise it confidently and completely.