How to Cancel Perpay & Close Your Account in 2026

Last updated: February 2026 • Difficulty: Medium • Cost: No monthly fee (deducts from paycheck)

Step 1: Check Your Balance

1. Open the Perpay app or go to perpay.com
2. Check My Orders for any outstanding balances
3. Pay off all remaining installments — you can make extra payments to finish faster
4. Wait until all balances show $0

Step 2: Stop Paycheck Deductions

Perpay deducts payments directly from your paycheck through your employer. To stop deductions:

• Contact your HR/payroll department and ask them to remove the Perpay deduction
• Or contact Perpay support and ask them to disconnect from your payroll
• Note: you still owe any remaining balance even if deductions stop

Step 3: Close Your Account

1. Email support@perpay.com requesting account closure
2. Or use the in-app support chat
3. Confirm your identity (name, email, last 4 of SSN)
4. Request written confirmation of account closure

How Perpay Works (And Why People Want Out)

Perpay lets you buy products and pay for them through automatic paycheck deductions — no credit check, no interest. Sounds great, but common complaints include:

• Inflated prices: Products on Perpay often cost 20-50% more than Amazon/Walmart
• Slow delivery: Items don't ship until paid off (can take months)
• Limited selection: Smaller catalog than regular retailers
• Paycheck dependency: Deductions reduce your take-home pay every period

Credit Score Impact

Perpay reports payment history to all three major credit bureaus. This means:

• On-time payments help build your credit score
• Missing payments or closing with a balance damages your score
• Closing the account (with $0 balance) won't hurt your score
• Your payment history stays on your credit report for up to 10 years