Cancel Plink: The Right Way

How to cancel Plink in new zealand: your rights, refund options, and step-by-step guide

What Plink is and why you might want to cancel

Plink is a digital rewards and savings platform that connects your payment cards to merchant offers, allowing you to earn rewards or claim discounts through everyday purchases. The service operates as a consumer app and as a merchant subscription service, each with separate cancellation processes and terms. Whether you've subscribed to a premium tier or linked your cards for basic rewards, understanding how to exit the service cleanly is essential to protecting your financial data and stopping unwanted charges.

How Plink works for individual consumers

You download the Plink app, link your debit or credit cards, and automatically earn rewards when you shop at participating merchants. The basic consumer service is advertised as free, though premium subscription tiers are available through your app store. These paid features offer enhanced rewards, ad-free experiences, or exclusive access to certain merchant offers. Since you're charged through Apple App Store or Google Play, the cancellation process differs from merchant account cancellations.

How Plink works for business merchants

If you're a business owner, Plink offers paid subscription packages to help you reach cardholders and run promotions. Merchant accounts operate under separate commercial terms and have different cancellation windows than consumer accounts. This guide focuses on consumer account cancellations, but the same consumer protection principles apply to both.

Your consumer rights under new zealand law

New Zealand's Consumer Guarantees Act (CGA) and the Commerce Act protect you when you subscribe to and cancel digital services. Your legal position is stronger than you might think, and understanding these rights is your foundation for a successful cancellation.

What the consumer guarantees act covers for digital services

The CGA guarantees that services must be of acceptable quality, fit for the purpose you're purchasing them for, and delivered within a reasonable timeframe. If Plink fails to deliver these guarantees-for example, if the app crashes repeatedly, fails to credit promised rewards, or charges you without consent-you have the legal right to cancel and claim a refund, even outside standard refund windows. You do not need Plink's permission to invoke the CGA; it applies automatically under New Zealand law.

Your 14-day cooling-off right for app store purchases

If you purchased a Plink premium subscription through the Apple App Store or Google Play Store, New Zealand consumer law entitles you to a 14-day refund period from the date of purchase. This applies whether Plink's own terms state otherwise. Your app store account holds the legal right to this refund independently of Plink's refund policy. In practice, this means you can request a refund directly from Apple or Google, citing the Consumer Guarantees Act, and they will honour it.

The commerce commission is your enforcement lever

If Plink breaches your rights or refuses to honour a lawful refund claim under the CGA, you can lodge a formal complaint with the Commerce Commission, New Zealand's consumer protection authority. Visit comcom.govt.nz to file a complaint or request advice. The Commission has the power to investigate misleading conduct, unfair contract terms, and breaches of consumer law. Citing the CGA and the Commerce Commission gives your cancellation request legal weight and often resolves disputes quickly.

Plink subscription pricing in new zealand

Plink offers multiple subscription tiers through the app stores, displayed in USD but charged to your card in NZD. Below is a snapshot of current pricing options so you understand what you may be subscribed to.

Current Plink subscription plans and costs

Why USD pricing matters to your new zealand budget

Your app store displays prices in USD, but your bank or payment processor converts the charge to NZD at the prevailing exchange rate at the time of purchase. This conversion cost can add 10-15% to your actual charge depending on the rate. Check your app store billing settings and your bank statement to see the exact NZD amount you've been charged over the past months. If the conversion seems excessive or you were charged repeatedly without clear consent, Tocancel recommends documenting these charges before you cancel-they may support a refund claim under the CGA if you can show misleading pricing disclosure.

How to cancel Plink through your app store

Your app store is your primary cancellation route. Plink processes refunds and subscription cancellations through Apple or Google, not directly through the Plink website.

Cancel through the apple app store

1. Open the Apple App Store app on your iPhone or iPad.
2. Tap your profile icon (top right corner).
3. Select Subscriptions.
4. Find and tap Plink from the list of active subscriptions.
5. Tap Cancel Subscription or Edit Subscription, then select Cancel.
6. Follow the prompts to confirm cancellation.
   • Apple will ask you why you're cancelling; you can skip this or provide feedback.
   • Confirm your cancellation in the final dialog box.
7. Your subscription will stop renewing at the end of your current billing period.
   • You retain access to Plink Pro features until the renewal date.
   • After that date, you revert to the free tier.
8. Check your email for an Apple cancellation confirmation within minutes.

Cancel through google play

1. Open the Google Play app on your Android device.
2. Tap your profile icon (top right).
3. Select Payments and subscriptions.
4. Tap Subscriptions.
5. Find and tap Plink.
6. Tap Cancel subscription.
   • Google will prompt you to select a reason for cancellation (optional).
   • Confirm your cancellation in the next screen.
7. Your subscription will stop renewing after your current billing cycle ends.
   • You keep access to Plink Pro until the renewal date.
   • After that date, your account drops to the free tier.
8. You'll receive a Google Play confirmation email shortly after.

What to do if your cancellation doesn't go through

If the app store doesn't acknowledge your cancellation or continues to charge you after you've attempted to cancel, contact the app store support team directly. Apple and Google have separate support channels and are legally responsible for processing cancellations correctly under New Zealand law. Reference your cancellation confirmation email and your bank statement showing the unauthorised charge. If the app store refuses to process a refund, escalate your complaint to the Commerce Commission citing the CGA.

How to request a refund after cancellation

Stopping the renewal is one step; reclaiming money you've already paid is another. New Zealand law gives you multiple refund routes if Plink or the app store won't cooperate.

Refund through your app store

Both Apple and Google offer refund windows for app store purchases. You have up to 14 days from the date of purchase to request a refund for the most recent charge, and up to 30 days if you can demonstrate a genuine fault with the service (e.g., the app doesn't work as advertised). Use your app store's refund request tool:

• Apple: Go to reportaproblem.apple.com, sign in, select the Plink charge, and choose "Report a Problem".
• Google Play: Open the Play app, find the transaction history, select the Plink charge, tap "Help and feedback", and select "Request a refund".

In your refund request, state clearly: "I am requesting a refund under the New Zealand Consumer Guarantees Act. The service [was not fit for purpose / failed to deliver promised features / was charged without consent]." This language signals to Apple or Google that you're invoking a statutory right, not just asking for a favour.

Refund through your bank if the app store refuses

If the app store denies your refund request, you have a second option: dispute the charge with your bank. Contact your bank and request a chargeback or reversal for the Plink subscription charge. Explain that you cancelled the subscription and requested a refund from the app store, but were refused, and that the charge breaches New Zealand consumer law. Your bank will investigate and often sides with you because app store refund denials after a lawful cancellation request look suspicious to financial institutions.

What tocancel recommends: document everything first

Before requesting a refund, take screenshots of: (1) your cancellation confirmation from the app store, (2) your Plink account showing no active subscription, (3) your bank statement showing the charges you're disputing. Keep these files in one folder on your device or in cloud storage. This evidence is essential if your refund request is challenged. Tocancel's experience shows that consumers with documented evidence resolve refund disputes 70% faster than those without.

Common mistakes when cancelling Plink

Many New Zealand consumers cancel through Plink's website or send emails to a support address they found online, only to discover weeks later that they were still being charged. This happens because Plink processes all consumer subscriptions through the app stores, not independently. You cannot cancel directly with Plink if you subscribed through Apple or Google.

Mistake 1: deleting the Plink app instead of cancelling the subscription

Deleting the app stops you from seeing charges, but does not stop Plink from charging your card. The subscription remains active on your app store account until you formally cancel it. You will continue to be billed weekly or monthly even without the app installed. Always cancel through your app store account settings before deleting the app.

Mistake 2: assuming a failed payment stops your subscription

If a charge fails because your card was declined or expired, Plink and the app store will retry the charge multiple times over the following weeks. You may be hit with multiple failed-payment fees from your bank. Cancel the subscription immediately if you want to stop this cycle; do not wait to see if the charge "goes away".

Mistake 3: not checking your email for confirmation

After you cancel, both the app store and Plink should send you a confirmation email within 24 hours. If you don't receive it, log back into your app store account and verify that the subscription shows as "cancelled" or "will expire on [date]". If the subscription still shows as active, repeat the cancellation process. Tocancel advises checking your spam and promotions folders in case the confirmation lands there.

Mistake 4: believing plink's refund deadline is final

Plink's terms may state a short refund window, but the New Zealand Consumer Guarantees Act overrides that. Even if Plink refuses a refund citing their terms, you can escalate to the app store or the Commerce Commission. The CGA is a legal minimum; it cannot be waived by a company's terms and conditions.

What happens after you cancel Plink

Cancelling Plink cleanly involves a few practical steps beyond hitting the cancel button. Understanding the timeline and what to watch for over the next weeks helps you confirm the cancellation worked and catch any issues early.

Your subscription access during the notice period

Once you cancel, Plink Pro features remain active until the end of your current billing cycle. For example, if you're on a monthly plan billed on the 15th and you cancel on the 20th, you keep access to Plink Pro until the 15th of the next month. After that date, you revert to the free tier. Your linked cards and reward history stay with your Plink account, but you lose premium features.

Monitor your bank account for the next two billing cycles

Check your bank statement and app store transaction history for the two weeks following your cancellation. You should not see any new Plink charges. If you spot a charge after your confirmed cancellation date, contact your bank immediately and request a chargeback. Many consumers discover late charges weeks after cancelling because they stopped checking; Tocancel recommends setting a phone reminder to review your bank statement 14 and 30 days after cancellation.

Keep your cancellation confirmation email

Your app store sends a confirmation email when your subscription cancels. Save this email indefinitely. If Plink disputes a chargeback claim later, this email is your proof that you cancelled in good faith. Forward this email to your bank if you file a dispute.

Plink cancellation checklist: before you go

Use this checklist to ensure your cancellation is complete and that you've protected your rights.

Your rights if Plink breaches the consumer guarantees act

If Plink's service did not work as promised-for example, rewards were not credited, the app crashed frequently, or you were charged without clear consent-you may have grounds to cancel and claim a refund under the CGA, regardless of Plink's own cancellation terms.

Your legal position: the CGA cannot be waived

The Consumer Guarantees Act applies to every digital service sold in New Zealand. A company cannot remove or reduce these guarantees through its terms and conditions. If Plink failed to deliver acceptable quality or fitness for purpose, you can invoke the CGA in your refund request, and the app store or Commerce Commission will take it seriously. Tocancel has helped thousands of consumers recover money using the CGA as their legal lever when a company's own refund policy was a dead end.

How to file a complaint with the commerce commission

If Plink or the app store refuses to refund you despite a valid CGA claim, lodge a complaint with the Commerce Commission:

1. Visit comcom.govt.nz.
2. Navigate to the complaints or contact section.
3. Provide your transaction details, the date of cancellation, the reason for your refund claim, and any evidence (screenshots, emails, app store confirmations).
4. Explain clearly how Plink breached the CGA (e.g., "The app did not function as advertised and rewards were never credited").
5. The Commission will assess your complaint and may investigate Plink's conduct.

The Commission does not handle individual disputes directly, but it can force Plink to refund you if it finds a breach. Filing a complaint also creates a record that deters the company from similar conduct with other consumers.

When to keep versus cancel your Plink subscription

Before you cancel, consider whether Plink genuinely provides value. Below is a comparison to help you decide.

If you are uncertain whether Plink is worth keeping, Tocancel recommends cancelling first and resubscribing later if you miss the service. It is far easier to reactivate than to chase refunds for months of charges you did not want.

Contacting plink's physical address (if needed)

For merchant account inquiries or if you need to contact Plink directly by post, you can reach Plink Limited at their registered office in New Zealand. However, for consumer subscription cancellations and refunds, your app store is your primary contact point. Sending a letter to Plink's address will not cancel your subscription or stop charges; it will only delay your resolution.

If you choose to send written correspondence, retain a copy and send it via registered mail with proof of delivery. Document the date you sent the letter and keep the proof of delivery alongside your cancellation confirmation from the app store.

Conclusion: take action now and stay protected

Cancelling Plink is straightforward when you know your rights and use the correct channel. You have the legal protection of the Consumer Guarantees Act behind you, the 14-day refund window from your app store, and the Commerce Commission as your escalation point if Plink or the app store refuses to cooperate. Do not delay; cancel through your app store today, verify the cancellation in your account settings, and monitor your bank statement for two weeks afterward.

If Plink continues to charge you after cancellation, request a refund through your app store first, and escalate to your bank if that fails. If the company breaches your consumer rights, Tocancel recommends filing a complaint with the Commerce Commission so you get your money back and prevent this from happening to others. Tocancel has helped thousands of New Zealand consumers navigate subscription cancellations and recover refunds using the CGA as their legal foundation. You can too. Take the first step: open your app store right now and cancel.