Manage Epoch Payment Solutions

How to cancel epoch payment solutions in nigeria and get your refund

Understanding what epoch payment solutions is

Epoch Payment Solutions is a payment processor that handles billing transactions for merchants selling digital goods and services online. When you buy something from an online merchant, your payment often flows through Epoch's system, and their name appears on your bank statement or card statement instead of the merchant's.

How epoch works in your transactions

Epoch does not sell you products directly. Instead, it sits between you and the merchant, processing payments, issuing receipts, and managing recurring charges for subscriptions or memberships. If you see "Epoch" on your statement, it means the merchant you paid uses Epoch as their billing platform. This matters because to cancel your subscription or stop charges, you often contact Epoch first, not the merchant.

Why you might see epoch on your nigerian bank statement

If you subscribe to a streaming service, software, course, or digital membership that accepts international payments, Epoch likely processes those charges in Nigerian Naira or foreign currency. Charges appear instantly or within one to two business days.

Your consumer rights in nigeria regarding payment processors

Protection under nigerian law

The Federal Competition and Consumer Protection Act (FCCPA) 2019 protects you against unfair contract terms, unauthorized billing, and misleading billing practices. Under the FCCPA, you have the right to cancel a subscription or recurring payment arrangement, and merchants and payment processors must honor clear cancellation requests. Additionally, you have the right to dispute charges you did not authorize or charges that violate the agreement you made when signing up.

Your cooling-off period and dispute rights

While Nigeria does not impose a universal 14-day statutory cooling-off period for digital services like some European countries do, the FCCPA gives you the right to cancel most service agreements. If a charge is unauthorized, fraudulent, or the service was not delivered as promised, you can file a dispute with your bank or card issuer under chargeback rules. Stopee has helped thousands of Nigerian consumers understand that you do not have to accept unauthorized or unwanted recurring charges from any payment processor, including Epoch.

Methods to cancel epoch payment solutions

Overview of cancellation channels

Epoch offers multiple cancellation routes. The fastest method depends on your situation and how quickly you need the cancellation processed. Most routes take one to three business days for confirmation.

Direct cancellation through epoch's website

If you have your original purchase confirmation or order details, you can use Epoch's "Find My Purchase" online form. This method works best if you remember the exact transaction date and amount.

Cancellation by phone (international)

You can call Epoch directly from Nigeria using their international support line. Pro tip: Call during their business hours (typically 9 a.m. to 5 p.m. US Central Time) to reach a representative faster. Have your payment details and card information ready before calling.

Cancellation by email

Email is your documented trail. Send a cancellation request to Epoch's billing support team with your full name, email address, transaction date, amount, last four digits of your card, and any order or invoice numbers. Email takes longer than phone (typically three to five business days), but you have written proof of your request.

Live chat support

Epoch's website offers live chat during business hours. This method is faster than email but slower than phone. Ask the agent for a confirmation ID and take a screenshot of the chat transcript for your records.

Written cancellation request by post

You can mail a signed cancellation letter to Epoch's address (detailed in the contact section below). This is the slowest method and typically takes seven to ten business days, but it creates an official record of your cancellation request.

Step-by-step guide to cancelling epoch payment solutions

How to cancel via epoch's website

1. Go to Epoch Payment Solutions' website and find the "Find My Purchase" or "Customer Support" link
2. Click on "Find My Purchase" or "Billing Support"
3. Enter your email address and the order details you remember (transaction date, amount, or order ID)
4. Once you locate your purchase, select the option to cancel the subscription or recurring charge
5. Follow the on-screen prompts to confirm cancellation
6. Screenshot the confirmation page or save the confirmation ID
7. Wait one to two business days and check your email for a cancellation confirmation

How to cancel by phone from nigeria

1. Prepare your payment details: full name, email address on the account, transaction date, transaction amount, and last four digits of your card
2. Note down the time zone difference; Epoch operates on US Central Time
3. Call the international number: +1-310-664-5810
4. When you reach a representative, clearly state you want to cancel a recurring charge or subscription
5. Provide your payment details when asked
6. Ask the representative for a confirmation ID and the date the cancellation will take effect
7. Write down the representative's name, the time of the call, and the confirmation ID
8. Request that they email you a written confirmation within 24 hours
9. End the call and follow up with an email to confirm what you discussed

How to cancel by email

1. Compose a clear email to Epoch's billing support (commonly [email protected] or similar addresses listed on their site)
2. In the subject line, write: "Cancellation request for recurring charge"
3. In the email body, include:
   • Your full name
   • Email address linked to the account
   • Transaction date and amount (in NGN or the original currency)
   • Last four digits of the card used
   • Any order or invoice numbers
   • A clear statement: "I request immediate cancellation of the recurring charge/subscription effective immediately"
   • Your phone number for their response
4. Send the email and save a copy in a dedicated folder
5. Wait two to three business days for a response
6. If you do not receive confirmation, follow up with a second email or call the phone number above

How to cancel via live chat

1. Visit Epoch's website and locate the live chat widget (usually in the bottom right corner)
2. Click the chat icon and wait for an agent to connect (may take five to ten minutes during peak times)
3. Type: "I want to cancel my recurring charge" or "How do I cancel my subscription?"
4. Provide your payment details when the agent asks
5. Request a confirmation ID and ask the agent to state the cancellation date
6. Screenshot the entire chat conversation
7. Ask the agent to email the chat transcript to your registered email address
8. After the chat ends, send a follow-up email summarizing what was discussed

What happens after you cancel epoch payment solutions

Billing stops immediately in most cases

Once Epoch processes your cancellation, future recurring charges from that merchant should stop within one to two billing cycles. Your access to the service (if you paid for a subscription) may end immediately or at the end of the current billing period, depending on the merchant's policy. Check your cancellation confirmation for this detail.

Your data and transaction history

Epoch keeps records of your transactions for legal, tax, and dispute-resolution purposes. If you want your personal data deleted from their system, request this explicitly in your cancellation message and follow up in writing if they do not respond within 14 days.

Monitoring your statement after cancellation

Check your bank statement or card statement for the next two billing cycles to confirm Epoch charges have stopped. Warning: Some merchants or payment processors deliberately process a final charge after cancellation. If you see a charge after your cancellation date, report it to your bank immediately and reference your cancellation confirmation ID.

Will you receive a refund from epoch payment solutions

Refund policy for nigerian customers

Epoch handles refunds on a case-by-case basis. There is no blanket refund guarantee for all cancellations. However, the Federal Competition and Consumer Protection Act allows you to claim a refund if the service was not delivered as described, if you were charged without authorization, or if the merchant breached the service agreement.

Scenarios where you may get a refund

You have a strong case for a refund if you canceled within days of signing up and the service was not delivered, if you were charged multiple times for one purchase, if you were charged without consent, or if the merchant is no longer in business. Some users report receiving refunds within 72 hours of contacting Epoch support; others say refunds take two to four weeks.

How to request a refund from epoch

1. Contact Epoch using any of the methods above (phone is fastest)
2. Clearly explain why you deserve a refund (unauthorized charge, service not delivered, duplicate charges, etc.)
3. Provide your transaction ID, date, amount, and the merchant's name
4. Ask for a refund and request an estimated timeline
5. Request written confirmation of your refund request
6. If Epoch denies the refund, ask for their written reason
7. Save all correspondence

If epoch refuses your refund request

Contact your bank or card issuer and file a dispute or chargeback claim. Provide your cancellation correspondence, refund request emails, and Epoch's denial letter as evidence. Under Nigerian banking regulations, your bank has the authority to reverse charges if the merchant or processor acted unfairly. Stopee has guided many Nigerian consumers through this dispute process successfully.

Epoch payment solutions pricing and plan structure

What you typically pay with epoch

You do not pay Epoch directly as a consumer. Instead, merchants who use Epoch pay fees to Epoch, and those fees are often built into the prices you see. However, understanding typical pricing helps you assess whether you are being charged fairly.

Typical merchant rates

Epoch typically charges merchants a percentage of each transaction (often two to five percent) plus a small per-transaction fee. These rates vary based on the merchant's industry, transaction volume, and contract terms. For Nigerian customers, charges may appear in Naira or foreign currency depending on the merchant's setup.

Common mistakes when cancelling epoch payment solutions

Why people struggle with epoch cancellations

Cancelling a recurring charge should be straightforward, but frustration often comes from unclear instructions, missing confirmation, or charges continuing after you thought you had cancelled. Stopee sees these issues daily, and you can avoid them with the right approach.

Mistake one: cancelling with the merchant instead of epoch

Cancelling the service with the merchant does not always stop Epoch's billing. You must cancel directly with Epoch or explicitly ask the merchant to cancel billing through Epoch. Always do both to be safe.

Mistake two: not keeping cancellation confirmation

Without a confirmation ID, date, or representative's name, you have no proof you cancelled if charges continue. Always request and save written confirmation from Epoch, not just a verbal promise.

Mistake three: assuming cancellation stops immediately

Cancellations typically take one to two billing cycles to process fully. If you see a charge one or two weeks after cancelling, wait and monitor before panicking. If you see charges after two full billing cycles, then file a dispute.

Mistake four: not following up if you do not hear back

If Epoch does not send you a confirmation within three business days of your cancellation request, contact them again. Use a different method (if you emailed, call; if you called, email). Document every contact attempt.

Mistake five: accepting "no refund" without questioning

Epoch may say refunds are not available, but under the FCCPA, you have rights. If you were charged without proper consent, or if the service was not delivered, push back. Escalate to your bank if needed. Stopee has seen many consumers reverse unfair "no refund" decisions by filing disputes.

Checklist for cancelling epoch payment solutions

Before you cancel

• Gather your full name, email address on the account, transaction date, and last four digits of your card
• Write down the merchant's name and the service you subscribed to
• Find your confirmation or invoice number if available
• Note the date you want cancellation to take effect
• Decide which cancellation method you will use (phone is fastest)

During cancellation

• Request a confirmation ID or reference number
• Ask for the effective cancellation date in writing
• Get the representative's name and title
• Request written confirmation via email within 24 hours
• Take notes or screenshots of everything discussed
• Ask when your next statement will show the cancellation

After cancellation

• Save all cancellation correspondence in a folder or email label
• Check your statement after one full billing cycle to confirm charges stopped
• If you see a charge after the second billing cycle, file a dispute with your bank
• If Epoch denies a refund, follow up in writing within seven days
• Keep all records for at least 90 days after the cancellation date

Why you might want to cancel epoch payment solutions

Common reasons for cancellation

You cancel recurring charges for many reasons: the service no longer serves your needs, you found a better alternative, unexpected charges appeared, financial hardship, or you simply forgot about the subscription and want to stop bleeding money. Whatever your reason, you have the right to cancel anytime under Nigerian consumer law. Stopee believes every consumer deserves quick, hassle-free cancellations without guilt or resistance.

Financial impact of delayed cancellation

Even small monthly charges add up. A ₦2,000 subscription you forgot about costs ₦24,000 per year. If you are cancelling a service you have not used in months, your cancellation saves money immediately. Act now rather than waiting for next month's charge.

Contacting epoch payment solutions for cancellation

Official contact methods

Epoch maintains several contact channels. For fastest results, call their international support line during US business hours. For documented requests, email works best.

Phone support

• International: +1-310-664-5810
• Hours: Monday to Friday, 9 a.m. to 5 p.m. US Central Time (note the time difference from Nigeria)
• Expected wait time: five to fifteen minutes during peak hours

Email support

• Billing support: [email protected] (or equivalent support address on their website)
• Expected response time: two to three business days
• Always reference your transaction ID and date in the subject line

Mailing address for written requests

If you need to send a formal cancellation letter by post, address it to:

Epoch Payment Solutions
Attn: Customer Service
10155 Westmoor Drive, #135
Westminster, CO 80021
USA

Pro tip: Send your letter via registered mail or courier so you have proof of delivery. Keep the tracking number and delivery receipt. Allow seven to ten business days for processing.

Take control of your subscriptions with stopee

You deserve a cancellation that works

Epoch Payment Solutions processes millions of transactions yearly, and most cancellations go smoothly. However, if you face delays, refusal, or continued billing after cancellation, you are not alone. Stopee has helped thousands of Nigerian consumers cancel unwanted subscriptions, recover unfair charges, and reclaim their financial control. Follow this guide step by step, keep your documentation, and escalate to your bank if Epoch does not cooperate. Your money, your rules. Stopee is here to make sure you win.