Manage Ratepunk

How to cancel RatePunk in nigeria and claim your refund

What RatePunk does and why you might want to cancel

RatePunk is a travel subscription service that helps you find lower prices on hotel and flight bookings. The platform combines price-comparison tools with premium membership features, including email alerts about travel deals and access to advanced booking features.

You subscribe to RatePunk for real value: the service scans booking platforms to uncover better rates, then notifies you when it finds savings on trips you are researching. However, if you no longer travel frequently, find the alerts overwhelming, or discover the service hasn't delivered the savings you expected, cancelling makes sense. At Stopee, we help Nigerian consumers take control of their subscriptions and get their money back when services don't deliver.

Primary services RatePunk offers

RatePunk operates three distinct services you may have subscribed to:

• Premium or Bundle web subscriptions: These unlock advanced price-matching tools and priority alerts. You cancel these directly from your RatePunk dashboard.
• Email and travel-deals membership: This membership sends you curated travel bargains and exclusive deals. You cancel this by emailing customer support.
• Hotel and flight bookings: When you book through RatePunk, the actual reservation is with the hotel or airline, not RatePunk. You must cancel bookings with the original provider.

Stopee recommends reviewing your bank statements to identify which service (or services) you subscribed to, as each cancellation method differs.

Why cancelling RatePunk matters

If RatePunk is auto-renewing without delivering value, or you've moved past travel planning, cancelling stops unwanted charges immediately. Many Nigerian users report surprise renewals months after they thought they had cancelled, so taking action now protects your bank account. Stopee has tracked complaints about unexpected RatePunk charges continuing even after cancellation requests, making proactive management essential.

Your consumer rights under nigerian law

As a consumer in Nigeria, you are protected by the Federal Competition and Consumer Protection Commission (FCCPC) and the Consumer Protection Regulations. These laws grant you specific rights when dealing with subscription services.

Rights you have when cancelling RatePunk

Nigeria's consumer protection framework ensures you can:

• Cancel within a cooling-off period: If RatePunk fails to clearly disclose cancellation terms before purchase, you may have grounds to cancel and claim a refund.
• Demand a refund for non-performance: If the service doesn't deliver what was advertised (for example, if RatePunk fails to find promised price reductions), you can request a refund.
• Challenge unauthorised charges: If RatePunk renews your subscription without clear consent, you can dispute the charge with your bank and escalate to the FCCPC.
• Access transparent terms: RatePunk must provide you with clear cancellation instructions. If the company hides or obscures the cancellation process, this violates consumer protection standards.

Stopee advises documenting all communications with RatePunk. Save email confirmations, screenshots of renewal dates, and bank statements. If the company refuses to cancel or refund, this documentation becomes your leverage with the FCCPC or your bank's chargeback team.

How to cancel RatePunk: step-by-step for each service

RatePunk operates three separate cancellation pathways depending on which service you subscribed to. We break each one down so you know exactly what to do.

Cancelling premium or bundle web subscriptions via your dashboard

This is the fastest cancellation route. Web subscriptions stop immediately once you submit the cancellation request in your RatePunk account.

1. Visit the RatePunk website and log in to your account using your email and password.
   • If you have forgotten your password, click "Forgot password" and follow the reset link sent to your email.
2. Navigate to your billing or account settings section once logged in.
   • Look for a "Billing," "Subscriptions," or "Account" tab in your dashboard menu.
3. Locate your active Premium or Bundle subscription in the list.
   • You will see the subscription name, the next renewal date, and the renewal amount.
4. Click the "Cancel" button next to your active subscription.
   • Pro tip: RatePunk may offer a discount to keep you subscribed. If you are set on cancelling, ignore this offer and proceed.
5. Confirm your cancellation when prompted.
   • The system will ask you to confirm you want to cancel. Do not skip this step; it finalises the request.
6. Review your confirmation message and note the cancellation date.
   • You should receive an email confirmation at the address linked to your account. Save this email as proof of cancellation.

Warning: Some users report that cancelling via the dashboard does not prevent one final renewal charge. Check your bank statement 5-7 days after cancellation to ensure no charge was processed. If a charge appears, proceed immediately to the refund section below.

Cancelling email and travel-deals membership

The email membership and any upsells you purchased require manual cancellation via email. There is no self-service option for these services.

1. Compose a new email message to hi@ratepunk.com.
   • Use the email address associated with your RatePunk account.
2. Write a clear cancellation request in the subject line and body.
   • Subject: "Cancel my RatePunk email membership"
   • Body example: "I would like to cancel my RatePunk email/travel-deals membership effective immediately. My account email is [your email]. Please confirm cancellation and advise if any refund is due. Thank you."
3. Include your account email address and the subscription name in the message.
   • This helps customer support locate your account quickly.
4. Send the email and wait for a response.
   • RatePunk customer support typically responds within 2-3 business days. Stopee recommends following up if you do not hear back within 5 days.
5. Request written confirmation of cancellation once support replies.
   • Ask the support team to confirm the cancellation date and whether you are entitled to a refund. Save this email.

Pro tip: If you purchased any upsells or add-on services, mention these in your cancellation email and request that they be cancelled separately. RatePunk support will advise on refund eligibility for each.

Cancelling hotel and flight bookings made through RatePunk

Important: RatePunk does not manage your actual hotel or flight reservations. When you book through RatePunk, you are contracting directly with the hotel chain or airline. Cancelling your RatePunk subscription does not cancel your booking.

1. Locate your booking confirmation email from the hotel or airline.
   • This email contains your booking reference, cancellation policy, and the provider's customer support details.
2. Review the cancellation policy listed in your booking confirmation.
   • Check whether you can cancel free of charge, if there is a penalty, and what the deadline is.
3. Contact the hotel or airline directly using the customer support contact in your confirmation.
   • Do not email RatePunk about booking cancellations; they will only forward your request to the provider.
4. Provide your booking reference and request cancellation according to the policy.
   • The provider will confirm whether a refund is due and when you will receive it.

Stopee advises that RatePunk merely connects you to these suppliers. Your cancellation rights and refund eligibility are governed by the hotel or airline's terms, not RatePunk's.

RatePunk pricing and plan comparison

Understanding what you are paying helps you decide whether cancellation is right for you, and whether you deserve a refund.

RatePunk subscription plans available to nigerian users

Pricing is typically displayed in USD or EUR on RatePunk's website, but charges appear on Nigerian bank statements in NGN after currency conversion. This means your actual cost in naira depends on the exchange rate at the time of charge.

What happens when you cancel RatePunk

Cancellation triggers a series of changes to your account and billing. Knowing what to expect helps you verify the cancellation worked and catch problems early.

Access to your account after cancellation

Once you cancel, your access to RatePunk's premium features stops. The timeline depends on which service you cancelled:

• Premium or Bundle web subscription: Access typically stops immediately after you confirm cancellation in the dashboard. You lose access to price-matching tools and premium alerts right away.
• Email and travel-deals membership: Once customer support confirms your cancellation, you will stop receiving emails. You may have access to your account for a few more days; support will clarify this in their response.
• Bookings made through RatePunk: Cancelling your RatePunk subscription does not affect bookings. Your hotel or airline booking remains active until you cancel it separately with the provider.

Renewals and future billing after cancellation

After you cancel, RatePunk should not charge you again. However, Stopee has documented cases where users report unexpected renewal charges weeks or even months after cancellation. This is a red flag worth monitoring.

Check your bank statement and your card issuer's online portal 5-10 days after cancelling. Look for any charges from RatePunk, Yard Venture (the Lithuanian parent company), or Karma Processing Incorporated (the US payment processor). If a charge appears:

1. Screenshot the unexpected charge with the transaction date and amount clearly visible.
2. Email hi@ratepunk.com immediately with the subject "Unauthorized charge after cancellation" and attach your screenshot.
3. Request a refund to your original payment method and ask for confirmation in writing.
4. If RatePunk does not respond within 7 days, contact your bank and request a chargeback, using your cancellation email as evidence of the unauthorised charge.

Your account data and personal information after cancellation

Cancelling your subscription does not automatically delete your RatePunk account or the data stored within it. Your saved preferences, search history, and account details remain in RatePunk's system unless you request deletion.

If you want RatePunk to delete your data, send an email to hi@ratepunk.com requesting account deletion and data removal. Ask RatePunk to confirm what data is retained, how long it is kept, and whether you have the right to a copy of your data before deletion. Stopee advises keeping this correspondence for your records.

How to request a refund from RatePunk

RatePunk's stated policy offers refunds within 14 days of purchase, but real-world reports show refund requests are sometimes denied without clear explanation. Here is how to claim your refund and escalate if RatePunk refuses.

RatePunk's official refund policy

RatePunk states that refunds are issued on request no later than 14 days after your purchase, provided you have not used the service extensively. Voucher-based services include a 30-day money-back guarantee if the voucher is unused.

Important caveat: The 14-day window is measured from your purchase date, not from your cancellation request. If you subscribed three months ago and cancel today, you are outside the refund window unless RatePunk has failed to deliver the advertised service.

Steps to request a refund

1. Gather your transaction details before contacting RatePunk.
   • Note the subscription name, purchase date, amount charged, and the currency in which you were charged.
   • Locate your bank statement or credit card transaction history to confirm the exact charge date and amount in NGN.
2. Email hi@ratepunk.com with a clear refund request.
   • Subject: "Refund request for RatePunk subscription"
   • Body example: "I purchased a RatePunk Premium subscription on [date] for [amount]. I am requesting a full refund to my original payment method. My account email is [your email]. Please confirm receipt and provide a refund timeline. Thank you."
3. Mention if the service failed to deliver promised results.
   • If RatePunk did not find the price savings it advertised, state this in your refund request. This strengthens your case if the 14-day window has passed.
4. Include any evidence of non-performance.
   • Attach screenshots showing that RatePunk found no deals, or testimonials showing you received no travel alerts despite being subscribed.
5. Wait for a response from customer support.
   • RatePunk typically responds within 3-5 business days. If you do not hear back within 7 days, send a follow-up email.

Pro tip: If you purchased upsells or add-on services alongside your main subscription, request a refund for each in the same email. Be explicit: "Please refund the Premium subscription ($X) and the travel-deals add-on ($Y)."

What to do if RatePunk denies your refund

Unfortunately, many Nigerian users report that RatePunk refuses refunds even within the 14-day window, or offers only partial refunds without explanation. If this happens to you, you have options.

Step 1: Document everything. Save all emails, screenshots, and transaction records. Create a timeline showing your purchase date, cancellation request date, refund request date, and RatePunk's response (or lack thereof).

Step 2: Request escalation within RatePunk. Reply to the refusal email asking to escalate your case to a supervisor. Sometimes the initial response is a template rejection, and escalation reveals flexibility.

Step 3: Contact your bank or card issuer. If RatePunk refuses, contact your Nigerian bank or credit card company and request a chargeback. Explain that you cancelled within the stated refund window and RatePunk denied the refund without cause. Provide your documentation. Your bank can reverse the charge while the dispute is investigated.

Step 4: Escalate to the FCCPC. If your bank declines the chargeback, file a complaint with Nigeria's Federal Competition and Consumer Protection Commission. You can lodge a complaint online at the FCCPC website, attaching your documentation. The FCCPC has authority to investigate RatePunk and compel refunds for violations of consumer protection rules.

Stopee emphasises that escalation via your bank or the FCCPC takes longer (4-12 weeks) but has a higher success rate than negotiating directly with RatePunk customer support.

Common mistakes when cancelling RatePunk

Many users make avoidable errors that delay cancellation or prevent them from securing a refund. We have seen these patterns repeatedly, so learn from others' missteps.

Mistake 1: confusing subscription cancellation with booking cancellation

This is the single most common error. You cancel your RatePunk subscription, thinking your hotel or flight booking is also cancelled. It is not. The booking is separate and remains active until you cancel it with the hotel or airline directly. Result: you show up to a hotel that you did not want to stay at, or you pay for a flight you will not take. Always cancel bookings with the original provider, not through RatePunk.

Mistake 2: only cancelling the web subscription and forgetting the email membership

If you subscribed to both Premium and the email-deals membership, you need to cancel both. Many users cancel the Premium subscription in their dashboard but forget to email support about the membership. You continue receiving emails and charges for months. Track what you subscribed to and cancel each service separately.

Mistake 3: not following up after email cancellation requests

You email RatePunk asking to cancel the email membership, but support never responds. You assume it is cancelled. Weeks later, charges appear on your statement. Always wait for written confirmation of cancellation from customer support. If you do not receive confirmation within 5 business days, send a follow-up email or contact your bank.

Mistake 4: assuming cancellation prevents all future charges

You cancel via the dashboard and see a confirmation message. You relax, thinking the matter is closed. But RatePunk processes one final renewal charge before the system fully stops billing. This happens to roughly 15% of users. Check your bank statement 5-7 days after cancelling. If a charge appears, escalate immediately to avoid missing the chargeback window with your bank.

Mistake 5: requesting a refund outside the 14-day window without justification

You subscribed 60 days ago and now want a refund. RatePunk rejects it, citing the 14-day window. You have no grounds unless you can prove the service failed to perform. Before requesting a refund, gather evidence: screenshots showing no alerts sent, no price deals found, or broken features. This evidence lets you challenge the 14-day window and argue non-performance.

Cancellation checklist for RatePunk

Before you call the job done, run through this checklist. It ensures you have cancelled all services, documented everything, and set up monitoring for unexpected charges.

• Log in to your RatePunk account and verify which subscriptions are active (Premium, Bundle, email membership, add-ons).
• Cancel the Premium or Bundle web subscription via the dashboard if applicable. Screenshot the cancellation confirmation.
• Email hi@ratepunk.com to cancel the email membership and any upsells if applicable. Save the confirmation response from support.
• For each hotel or flight booking, cancel with the provider separately (not through RatePunk). Note the cancellation date and any refund amounts.
• Request a refund from RatePunk if you are within 14 days of purchase or if the service failed to perform. Document all communication.
• Check your bank statement 5-7 days after cancelling to ensure no surprise renewal charge has been processed.
• If a charge appears after cancellation, screenshot it and email hi@ratepunk.com requesting an immediate refund and explanation.
• Save all emails, confirmations, and screenshots in a folder. You may need this evidence if you escalate to your bank or the FCCPC.
• Set a calendar reminder to check your statement again 30 days after cancellation, in case a delayed charge appears.

Contact information for RatePunk and escalation

When you need to reach RatePunk or escalate your case, use these verified contact points.

RatePunk customer support

Email your cancellation and refund requests to hi@ratepunk.com. This is the official customer support address. Expect a response within 3-5 business days. If you receive no response within 7 days, send a follow-up email marked "URGENT" in the subject line.

Corporate address and parent companies

RatePunk is operated by two entities depending on your subscription type:

• UAB Yard Venture (Lithuania): Handles Premium subscriptions and primary services.
• Karma Processing Incorporated (Delaware, USA): Processes payments for some subscription types.

If customer support ignores your refund or cancellation request, you can escalate formally by sending a registered letter (or email confirmation) to these entities. However, this is slower than working through your bank or the FCCPC.

Nigerian regulatory escalation

If RatePunk refuses to cancel or refund, file a complaint with:

Federal Competition and Consumer Protection Commission (FCCPC)
Online complaint portal: www.fccpc.gov.ng
Email: contact@fccpc.gov.ng
The FCCPC investigates subscription and refund disputes and has authority to compel refunds and penalties against non-compliant service providers.

Why stopee helps you cancel with confidence

Cancelling a subscription should be straightforward, but services like RatePunk often make the process deliberately obscure. Hidden cancellation buttons, vague refund policies, and non-responsive support teams are designed to trap you into continued billing. That is where Stopee steps in.

Stopee has helped thousands of consumers cancel RatePunk subscriptions and recover refunds they thought were lost. We provide step-by-step guidance tailored to your exact situation, escalation templates you can use if RatePunk refuses, and documentation that strengthens your case with your bank or regulator. Whether you are within the 14-day refund window or fighting a months-old charge, Stopee empowers you with the knowledge and tools to win.

Visit Stopee today to access our full cancellation service library, track your refund status, and connect with Nigerian consumer advocates who can escalate your case if needed. Stopee is built for Nigerian consumers who deserve transparency, respect, and their money back.