Manage 123 Cards

How to cancel 123 cards and protect your billing rights

What is 123 cards and who uses it

123 Cards is an online service that lets you send personalised ecards and premium digital cards to friends, family and colleagues. The platform handles everything from customisation and scheduling to delivery notifications, making it easy to mark important dates without forgetting anyone.

The service operates on a membership model, offering both free basic access and premium paid tiers. A paid membership unlocks unlimited premium ecards, removes advertising, and adds features like custom uploads, print options and multi-channel sending across email and social platforms.

Core features and membership benefits

123 Cards provides a substantial library of professionally designed cards across categories like birthdays, anniversaries, sympathy and seasonal events. You get date reminders so important occasions don't slip past, personalisation tools to add your own text and images, and an address book that stores recipient details for faster sending next time.

Membership pricing is quoted in USD and billed on monthly, annual or two-year cycles. Longer plans offer significant savings, but all memberships renew automatically unless you cancel beforehand. This is where many New Zealand users run into problems: automatic renewal charges can surprise you, especially if you sign up during a free trial and forget to cancel before the trial ends.

Why new zealand customers should be aware of their rights

Because 123 Cards operates from Denmark (Strandvejen 100, 2900 Hellerup), you might assume New Zealand consumer law doesn't apply. It does. The Consumer Guarantees Act 1993 and the Fair Trading Act 1986 protect you regardless of where a company is based, as long as they charge you in New Zealand dollars and deliver services to you here.

Stopee exists to help you understand these protections and take action if a company treats you unfairly. Whether 123 Cards fails to process your cancellation, charges you after you've cancelled, or refuses a legitimate refund claim, you have legal leverage on your side.

Why you might want to cancel 123 cards

Common reasons for cancellation

You might cancel 123 Cards because the service doesn't fit your needs anymore, you prefer a competing platform, you're unhappy with customer support, or you simply forgot you had an active subscription. That last reason is surprisingly common, and it's one of the reasons Stopee has helped thousands of New Zealand consumers regain control of their recurring charges.

Other reasons include discovering the free version meets your needs after all, finding no use for the premium features you're paying for, or wanting to consolidate your digital services to save money. Whatever your reason, cancellation should be straightforward and immediate, not buried behind obstacles.

Understanding auto-renewal traps

Auto-renewal subscriptions are designed for the company's benefit, not yours. If you don't actively cancel, 123 Cards will continue to charge your card at each renewal date. Free trials are especially dangerous: you get 30 days (or whatever the trial period is) to test the service, but if you forget to cancel before day 31, your card gets charged in full.

This is why Stopee recommends setting a phone reminder as soon as you sign up for a free trial. Write down the exact cancellation date, mark it in your calendar, and cancel at least three days before the trial ends to give the system time to process your request.

How to cancel 123 cards in four steps

Cancellation methods by platform

Where you purchased your 123 Cards membership determines how you cancel. 123 Cards offers three paths: the web account dashboard, the iOS App Store, or Google Play. Each platform handles cancellation differently, and using the wrong method could leave you still subscribed without realising it.

The most reliable method is cancelling via the 123 Cards website directly. App Store and Google Play subscriptions must be cancelled through those platforms, not through the 123 Cards app itself. This is a critical distinction that confuses many users.

Cancel via the 123 cards website

This is your most straightforward cancellation route and gives you the clearest confirmation.

1. Visit 123cards.com and log into your account using your email and password
   • If you've forgotten your password, use the password reset link on the login page
   • Do not close this session until cancellation is complete
2. Navigate to your Account Settings or Membership section (usually in a top menu or profile icon)
   • Look for a tab or button labelled "Subscription", "Membership" or "Billing"
   • This section should display your current membership status and renewal date
3. Select "Cancel membership" or "Cancel subscription"
   • The system may ask why you're cancelling; you can skip this or provide feedback
   • Some services offer a discount to stay subscribed; decline this offer if you're certain you want to cancel
4. Confirm the cancellation when prompted
   • The system should display a confirmation message on screen
   • Take a screenshot immediately showing the cancellation date and your account email
5. Check your email inbox (including spam folder) for a cancellation confirmation email within 10 minutes
   • This email is your proof of cancellation and protects you if a charge appears later
   • Forward it to yourself or save it to your cloud storage
6. Log out and then log back in to verify your membership status shows as cancelled or inactive
   • If it still shows active, repeat the cancellation process or contact support

Pro tip: Before you start, write down your account email address and the current date. You'll need both if you need to dispute a charge later.

Cancel via apple app store (iOS)

If you purchased your 123 Cards membership through the iOS App Store, Apple controls your subscription, not 123 Cards. You must cancel through Apple's system.

1. Open the Settings app on your iPhone or iPad
   • Do not open the 123 Cards app itself
2. Tap your name at the top of the Settings menu
   • You'll see options including iCloud, Media & Purchases, and Subscriptions
3. Select "Subscriptions"
   • This shows all active subscriptions linked to your Apple ID
4. Find "123 Cards" in the subscription list and tap it
   • Scroll down if you have multiple subscriptions
5. Tap "Cancel Subscription" at the bottom of the screen
   • Apple will confirm whether you're cancelling an active subscription or a free trial
6. Confirm your cancellation when Apple asks you to confirm
   • Take a screenshot of the confirmation screen showing the cancellation date
7. You'll retain access to 123 Cards premium features until the end of your current billing period
   • After that date, your account reverts to free version features

Warning: Deleting the 123 Cards app from your phone does not cancel your subscription. The app can be reinstalled anytime, but your subscription will continue to charge unless you complete the steps above.

Cancel via google play (Android)

Like Apple, Google Play manages subscriptions purchased through Android devices. Cancellation happens in the Google Play Store app, not in 123 Cards.

1. Open the Google Play Store app on your Android phone or tablet
   • Find the app icon with the colourful triangle symbol
2. Tap your profile icon in the top-right corner
   • This shows your Google account options
3. Select "Payments and subscriptions"
   • This is different from "Subscriptions" on iOS; both terms are used by Google
4. Tap "Subscriptions"
   • You'll see a list of all active subscriptions on your account
5. Find "123 Cards" and tap it
   • If you have many subscriptions, use the search function
6. Select "Cancel subscription" at the bottom of the page
   • Google will ask you to confirm and may offer retention incentives; ignore these
7. Take a screenshot of the cancellation confirmation
   • Google's confirmation page shows your cancellation date clearly

Pro tip: If you used a Google Play promotional credit to buy your 123 Cards membership, the cancellation still applies. The credit is spent, but the subscription stops charging.

What happens immediately after you cancel

Your access and features during the grace period

When you cancel, 123 Cards doesn't cut off your access immediately. Instead, you keep all premium features until the end of your current billing cycle. If you paid for an annual membership in January and cancelled in June, you retain premium access until December.

This means you don't lose functionality mid-contract. You can keep sending personalised cards, using custom uploads, and accessing the full card library until your paid period expires. After that date, your account automatically downgrades to the free version.

Auto-renewal is now stopped

The moment your cancellation is processed, 123 Cards stops charging your card after the current period ends. You will not be charged again unless you manually resubscribe. This is the core benefit of cancelling: you regain control of your billing cycle.

However, stopping the charge is not the same as getting a refund for the time already paid. That's a separate question, covered in the next section.

Protecting your account and data

After cancellation, your account and card history remain intact. Any contacts you've saved in the address book, cards you've created, and records of sent messages are still accessible. This is important if you want to keep a record of cards you've sent to people.

If you think you might return to 123 Cards later, or if you want to keep your address book data, download or export anything important before your premium access expires. Once you downgrade to the free version, some features may be restricted.

Will you get a refund after cancellation

123 cards' stated refund policy

123 Cards' membership terms state that payments are non-refundable. According to their official terms, you cannot claim a refund for any subscription period, whether you used the service for one day or the full year. Additionally, if you cancel part-way through a billing cycle, you do not receive a pro-rata refund for the unused portion.

The one exception is if you cancel during a free trial period before the first charge is applied. If you cancel before the trial ends, your card will not be charged at all. But once that first charge goes through, refunds are at the company's discretion, not a guaranteed right.

When refunds might be possible

Although 123 Cards claims payments are non-refundable, refunds can occasionally be issued as a gesture of goodwill or after a customer dispute. This is not guaranteed, but it happens. If your cancellation request was ignored and you were charged after you cancelled, you have grounds to request a refund.

Similarly, if 123 Cards failed to provide the advertised service, was unavailable for extended periods, or your access was wrongly restricted, you may argue for a refund under consumer protection law. Stopee can help you build a case if the company refuses.

Refunds through app platforms

If you purchased through the Apple App Store or Google Play, refund requests go through those platforms, not 123 Cards. Apple and Google have their own refund policies, generally allowing refunds within 14 to 48 hours of purchase for apps and subscriptions if requested promptly. After that window, refunds are rare.

To request a refund on iOS, go to Settings > [Your Name] > Media & Purchases > Subscriptions > 123 Cards > Report Issue. On Android, open Google Play Store, tap your profile, select "Payments and subscriptions" > "Subscriptions" > 123 Cards > "Report a problem". Explain why you want a refund and submit.

How long refunds take

If 123 Cards approves a refund, the funds typically appear in your bank account within 1 to 2 business days. However, some banks take up to 4 to 5 business days to process the credit, so don't be alarmed if the money doesn't appear immediately. Check your bank's transaction history to confirm when the refund was initiated.

Your consumer rights under new zealand law

The consumer guarantees act and what it means for you

The Consumer Guarantees Act 1993 is your strongest legal tool when dealing with 123 Cards. Under this law, any goods or services supplied to you must be of acceptable quality, fit for purpose, and supplied honestly. If 123 Cards charges you after you've cancelled, fails to cancel your subscription despite your request, or misrepresents the service, you have a legal case.

You don't need to prove intentional wrongdoing. If the company's conduct is unfair or misleading, the Act protects you. Stopee has seen many cases where companies ignore cancellation requests, and the Consumer Guarantees Act gives you the right to recover those wrongful charges plus compensation.

Your rights if the company refuses to cancel or refund

If 123 Cards ignores your cancellation request and continues to charge your card, you have the right to dispute that charge with your bank. You also have the right to take the company to the Disputes Tribunal if the disputed amount is under NZD 15,000 (or NZD 20,000 if both parties agree).

Before escalating to the Tribunal, contact 123 Cards in writing (email counts) and give them 10 working days to respond. Document everything: cancellation dates, confirmation emails, screenshots, and any follow-up communications. This record becomes evidence if you need to prove your case.

Contacting the company in writing

123 Cards' official address for membership and cancellation inquiries is: Strandvejen 100, 2900 Hellerup, Denmark. While this is not a New Zealand address, sending a formal letter here creates a paper trail. You can also email support if you find a contact address on their website.

In your message, include your full account email, the date you requested cancellation, the date the unwanted charge appeared, a screenshot of the charge, and a request for explanation and refund. Keep a copy of everything you send and any replies you receive.

Common mistakes to avoid when cancelling

Why people's cancellations fail and how to prevent it

Cancellation frustration is real, and it often stems from preventable mistakes. The most common slip-up is not confirming the cancellation was actually processed. You hit "cancel", assume the job is done, and walk away. But no confirmation email arrives, and weeks later, a charge appears on your bank statement.

Another frequent error is cancelling in the wrong place. If you bought through the iOS App Store but tried to cancel via the 123 Cards website, your subscription stays active. The platforms don't talk to each other, so you must cancel where you originally purchased.

Three-step protection plan

First, take a screenshot of the cancellation confirmation screen before leaving the page. Second, check your email (including spam and promotions folders) for a cancellation confirmation within 10 minutes. Third, log back into your account a few hours later to verify the membership status shows as cancelled or inactive.

If any of these steps fails-no screenshot visible, no email received, or the account still shows active-contact support immediately. Don't wait. The sooner you flag the problem, the sooner it gets fixed and the easier it is to resolve later if a charge appears.

The free trial trap

Free trials are designed to convert you to a paying customer, and they're easy to forget. You test the service for 30 days, intend to cancel before the trial ends, and then life gets busy. Suddenly you're charged NZD 50 or more because you missed the deadline by a single day.

Write the cancellation deadline on a physical calendar or set a phone reminder with a notification three days before the trial expires. Name the reminder something specific like "Cancel 123 Cards before trial ends". Generic reminders get ignored; specific ones get actioned.

Pricing comparison and value for money

What 123 cards membership costs

Prices are quoted in USD and converted to NZD at current exchange rates, so the exact amount you pay depends on today's rate. Most New Zealand customers use monthly or annual plans. Monthly is flexible but pricey over time; annual locks in savings but requires cancellation if your needs change.

Creating a cancellation checklist

Before you cancel

• Note the exact date you plan to cancel
• Log into your account and write down your email address and account username
• Check your billing statement to confirm your membership renewal date
• If you use the free trial, calculate the exact day the trial ends

During cancellation

• Take a screenshot of the cancellation confirmation message before closing the page
• Note the exact time and date you initiated cancellation
• Verify which platform you're cancelling on (website, iOS, or Google Play)
• Do not close your browser session until the confirmation message appears

After cancellation

• Check your email inbox and spam folder for a confirmation email within 10 minutes
• Forward or save the confirmation email to a folder named "Cancellations" or similar
• Log back into 123 Cards one hour later to confirm membership status shows cancelled
• Set a calendar reminder for 14 days from now to check your bank statement for any unexpected charges
• If you notice a post-cancellation charge, contact Stopee or your bank within 30 days

The bottom line: take control of your subscriptions today

Why cancelling matters and what's next

Subscriptions are designed to be easy to buy and hard to quit. Companies know that inertia works in their favour: you cancel once, maybe twice, and if neither attempt succeeds, you give up and accept the charges as inevitable. That's how auto-renewal profits stack up.

But you have the power to change that dynamic. Cancelling 123 Cards is straightforward when you follow the right platform and take screenshots along the way. More importantly, you have legal protections under New Zealand law if the company doesn't respect your cancellation request.

How stopee empowers you

Stopee is built to make cancellation frictionless and to back you up if a company refuses to comply. We've helped thousands of New Zealand consumers cancel unwanted subscriptions, recover wrongful charges, and understand their consumer rights. Whether you're dealing with 123 Cards or any other recurring billing service, Stopee has the tools and knowledge to guide you through the process.

Visit Stopee.com to review your active subscriptions, generate cancellation emails, and learn what you're legally entitled to if a company treats you unfairly. Our community has been here, too, and your experience helps others navigate the same journey.

Contact 123 cards if you need escalation

If your cancellation fails or you're charged after cancelling, use this address to escalate your complaint in writing:

123 Cards
Strandvejen 100
2900 Hellerup
Denmark

Include your account email, the date of cancellation, a screenshot of the confirmation, and the date of any unauthorised charge. Request a written explanation and refund within 10 working days. Keep a copy for your records. If they don't respond or refuse, Stopee can help you escalate to your bank or the Commerce Commission.