A PWIADVICE charge on your bank or credit card statement is a recurring subscription fee billed by Digigamma B.V., a Netherlands-based company, through the Florida payment processor Segpay. If you don’t recognize it, you most likely signed up through a bundled checkout or free trial that converted to a paid plan. You can cancel it through Segpay’s consumer portal, and if the charge was never authorized, you have 60 days to dispute it with your bank or card issuer.
Who Is Actually Billing You
The descriptor “PWIADVICE” points to the website pwiadvice.com, which says it uses that billing name “to protect your privacy.”1pwiadvice.com. Frequently Asked Questions – PWI Advice The site is operated by Digigamma B.V., based in Haarlem, Netherlands. Digigamma doesn’t run its own billing. All payments are processed by Segpay, formally Gamma Billing Inc., headquartered in Florida.2pwiadvice.com. Service Level Agreement Pwiadvice.com itself refers all billing questions to Segpay, so Segpay is usually the faster place to start.
How the Charge Ended Up on Your Statement
Most people who find this charge didn’t sign up for a standalone subscription. The common path is a bundled online purchase where a subscription add-on sits inside the checkout flow, or a free trial that silently converts to paid billing when the trial ends.
Federal law regulates both of these setups. Under the Restore Online Shoppers’ Confidence Act, any seller that markets through another merchant’s checkout must clearly disclose all material terms, obtain your express consent before charging, and collect your payment information directly rather than receiving it from the first merchant.3Federal Trade Commission. Restore Online Shoppers’ Confidence Act4Congress.gov. Public Law 111-345 – Restore Online Shoppers’ Confidence Act The FTC’s Click-to-Cancel rule, finalized in late 2024, adds that cancellation must be at least as easy as signup. If you enrolled online, cancellation has to be available online, without being routed through a phone call or a retention agent you didn’t sign up through.5Federal Register. Negative Option Rule
If the signup process didn’t disclose the recurring charge, or you can’t find a working cancel option, those are not just inconveniences. They’re potential violations of federal rules that regulators enforce.
Canceling the Subscription Through Segpay
Segpay runs a consumer portal at cs.segpay.com. You look up your transaction using at least two of the following: your credit card number, purchase ID, PayPal order ID, or email address. From there you can cancel the subscription.6Segpay. Segpay Consumer Portal
If the portal can’t locate your account or the cancel option doesn’t work, Segpay lists these other channels:7Segpay. How to Cancel Your Secure Segpay Payment Account
- Phone: 1-866-450-4000 in the U.S., or +1-954-414-1610 internationally
- Email: [email protected]
- Live chat through cs.segpay.com
- Mail: Segpay, 220 Hillsboro Technology Dr., Suite 130, Deerfield Beach, FL 33441
Before you make contact, pull together the email address you used at signup, the exact charge amount and date from your statement, and the first six and last four digits of the card that was billed. Agents need those to find your account. Ask for a cancellation confirmation number, save any confirmation email, and watch your next statement to make sure the charge has stopped.
Stopping the Payment Through Your Bank
Canceling with Segpay tells the merchant to stop. If the merchant doesn’t, or you can’t reach them, you have a separate right to shut off the payment from your bank’s side. Under Regulation E, you can stop any preauthorized electronic transfer by notifying your bank at least three business days before the next scheduled payment. The bank may require written confirmation within 14 days of an oral request, so follow up in writing.8eCFR. 12 CFR 1005.10 – Preauthorized Transfers
The CFPB confirms you can stop a company from pulling automatic payments even if you previously authorized them. Once you revoke that authorization with both the company and your bank, any further payments the company initiates count as errors you can ask the bank to reverse.9Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account Expect a stop-payment fee; check your account agreement for the amount.
Disputing a Charge You Never Authorized
If you never signed up for the service at all, the situation moves from cancellation to dispute, and the rules differ by card type.
Debit Card
Debit transactions are governed by the Electronic Fund Transfer Act and Regulation E. You have 60 days from the date your bank sent the statement showing the unauthorized charge to report it. Report within that window and your maximum liability is generally $50 if you acted promptly. Miss it, and you can be on the hook for later unauthorized transfers.10Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers Once reported, the bank must investigate; if it takes more than 10 business days, it has to provisionally credit your account while it finishes.11eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors
Credit Card
Credit card disputes fall under the Fair Credit Billing Act. The window is also 60 days from the date the creditor sent the statement with the error. Send a written dispute to the billing-inquiries address your card issuer designates, including your name, account number, the charge, and why you believe it’s wrong. You can withhold payment on the disputed amount while the investigation runs.12Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
The 60-Day Deadline Is the One to Watch
Debit or credit, the deadline is the same: 60 days from the date the statement containing the charge was sent. After that, your protections shrink sharply. For debit cards, liability for later unauthorized transfers can become unlimited.10Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers For credit cards, the issuer no longer has to investigate or reverse the charge.
The practical takeaway is simple: if the charge looks unfamiliar, act inside the 60 days even if you’re not sure whether you authorized it. You can drop a dispute if it turns out you did sign up. You cannot restart one after the deadline.
Where to Escalate if You Get Stuck
If the merchant won’t cancel, Segpay won’t cooperate, and your bank’s dispute process stalls, two federal agencies take complaints in this area. The CFPB handles complaints about bank-side dispute failures at consumerfinance.gov. The FTC takes complaints about deceptive subscription practices, including Click-to-Cancel and ROSCA violations, at reportfraud.ftc.gov. Neither will adjudicate your case the way a court would, but a filed complaint creates a record, and companies often move faster once a regulator is involved.