How to delete your PayMongo account

About deleting your PayMongo account

PayMongo is a Philippine-based financial technology service designed to help businesses accept digital payments via credit cards, e-wallets, and online banking. As a gateway provider, the platform handles sensitive business financial data, customer transaction logs, and KYC (Know Your Customer) documentation required for regulatory compliance.

Users may seek to delete their PayMongo accounts for several reasons specific to the platform’s operations:

• Business pivot: You are no longer accepting digital payments or have moved to a different payment gateway provider.
• Data minimization: You wish to limit your firm's exposure by removing archived transaction data and sensitive business documentation from PayMongo's servers.
• Compliance requirements: You are closing a legal entity and need to ensure all associated merchant profiles are decommissioned to prevent unauthorized use of API keys.

What happens to your data

When you request to delete your account, PayMongo initiates a decommissioning process that removes your profile from active service. However, because PayMongo functions as a financial intermediary regulated by the Bangko Sentral ng Pilipinas (BSP), they are legally mandated to retain specific transaction records for a set period, typically 5 years, for audit and anti-money laundering purposes.

Data categories impacted by deletion include:

• KYC documents: Government IDs and business registration papers uploaded during onboarding.
• API keys and Secret Keys: These are typically invalidated and wiped to prevent future unauthorized transaction calls.
• Webhook URLs: All automated endpoint configurations are purged from the merchant notification service.
• Customer payment logs: While the merchant-facing dashboard is removed, the backend audit trails remain subject to retention laws.

Privacy considerations

Using a payment aggregator like PayMongo involves significant data sharing between you, the consumer, and the financial institutions that process the transactions. While PayMongo maintains standard encryption, your business data resides in their infrastructure, making it a target for digital oversight.

• Rotate your API credentials immediately if you suspect a breach before finalizing your deletion request.
• Request a formal written confirmation from support@paymongo.com once the account is fully terminated.
• Audit your own local exports of transaction history before deleting, as you will lose dashboard access permanently.
• Ensure your web store's checkout flow is updated to remove PayMongo plugins or APIs, preventing '404' or 'Service Unavailable' errors for your customers.

Frequently Asked Questions

Can I delete my PayMongo account if I have a pending payout?

No, you must wait for all pending settlements to reach your linked bank account before the support team will process your deletion request.

Will my customers' card details be deleted when I close my account?

PayMongo stores card information in a PCI-DSS compliant vault. While the merchant loses access to these records upon account closure, the data is governed by strict financial record-keeping laws.

Is there an automated way to delete my PayMongo account?

No, PayMongo does not currently offer a self-service deletion option in the merchant dashboard; you must contact support directly via email.

Can I reactivate my account after it is deleted?

Generally, deletion is treated as a permanent termination of your merchant contract. You would likely need to re-submit your business documentation to open a new account.

How long does it take for PayMongo to finalize account deletion?

After you have settled all transactions, the support team typically reviews the request within 3-7 business days, depending on the volume of current support tickets.