Stop BNPL payments after a return.
Demand letter to pause collections.
Answer 5 quick questions — get a personalized demand letter to stop further payments and get a refund.
You returned goods — but BNPL payments continue
You returned what you bought, but the BNPL provider keeps taking payments. You need to stop them.
This guide gives you a demand letter to pause payments and get a refund.
Payments keep going
You returned the item, but BNPL is still charging you. You need to stop it.
Don't know how to dispute
You don't know what to say or who to contact.
Need strong arguments
You need to reference consumer rights and return policies.
No escalation plan
If they keep charging, you don't know what to do.
What you get
Everything you need to stop BNPL payments.
Demand letter
A complete, ready‑to‑send letter to your BNPL provider to stop payments and get a refund.
Key arguments
Consumer rights and return policy references to strengthen your case.
Evidence checklist
What documents to include — return confirmations, shipping receipts.
Escalation plan
What to do if they keep charging you — including bank disputes and CFPB complaints.
How it works
From payments continue to refunded in 2 minutes.
1
Answer 5 quick questions
Tell us your provider, payments made, return status, seller refund status, and if you've contacted them.

~2 minutes
2
AI builds your custom demand letter
You get a complete HTML document with a demand letter, arguments, and escalation plan.

~30 seconds
3
Stop the payments
Send the letter, attach evidence, and escalate if needed.

You decide
1
complete dispute system
Questions
Everything you need to know.
Can a BNPL provider keep charging me after a return?
They shouldn't — but it happens. The demand letter helps you stop it and get a refund for payments made.
How long do I have to dispute the payments?
Act as soon as possible — the sooner you send the letter, the sooner the payments stop.
What if the BNPL provider says they can't stop payments?
The guide includes strong arguments and an escalation plan — including disputing with your bank.
Do I need to return the item first?
Yes — you need to have returned the item. The guide works best when you have return confirmation.
Can I use this for any BNPL provider?
Yes — the letter is tailored for Klarna, Affirm, Afterpay, Zip, Sezzle, and others.
Reviews
Real people, real refunds.
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