Cartrack Payments: All you need to know

Managing your Cartrack subscription is essential to keep yourself and your vehicle protected. Knowing how to pay and maintain your subscription will ensure uninterrupted service and give you peace of mind, knowing you’re always covered on the road. 

In this blog, we’ll walk you through everything you need to know about Cartrack payments, helping you choose the best payment method to suit your needs so you stay on top of your subscription.

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What Payment Options Does Cartrack Offer?

Cartrack offers two payment options, namely, standard and rental contracts. The payment option you choose depends on your needs and budget. 

1. Standard: With standard contracts, customers pay for the unit upfront and own the tracking unit. This typically results in lower monthly fees. With ownership, the service can be dropped without penalty, as there isn’t a long-term contract binding the customer.
2. Rental: With a rental contract, you don’t own the tracking unit. Instead, you pay a monthly fee to use it. Rental contracts often require a minimum commitment period (e.g., 36 months). This allows you to easily adjust services as your needs change, allowing you to easily scale up or down within your contract.

By carefully considering these options, you can choose the payment method that best suits your budget and requirements.

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Which payment method is right for you?

Cartrack has various payment methods catering to individual and corporate clients. Our clients can either choose that we debit their account monthly through Giro, or they can choose to pay via Bank Transfer, Cheque or PayNow. 

However, it is essential to note that with the bank transfer, the funds could take days to reflect on our account, depending on which bank the client uses. Hence, you are responsible for ensuring this is done on time to avoid late payments that may affect your account negatively.  

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Available Cartrack payment methods 

Here are the different payment methods we currently offer:

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How to make a payment with Cartrack

Let’s explore how to make payments with Cartrack. Our payment processes are simple and secure, ensuring your transactions are always smooth. 

We highly recommend automating your payments for your convenience. Setting up a Giro is easy and ensures your monthly payment is automatically deducted from your bank account. This eliminates the need to remember payment dates, ensuring you’re always up-to-date.

If you prefer to make manual payments, here’s how to proceed:

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1. Access Your Payment Link

You will receive a link via SMS or email that takes you to your personalised payment landing page. On this page, you'll see:

• The amount outstanding (your arrears amount)

• Your username

• Your name and surname

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To proceed with payment, click “PAY HERE.” If you need assistance, click the WhatsApp icon to connect with a Cartrack consultant. 

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2. Select Payment Amount

After clicking “PAY HERE,” you'll be directed to the Payment Details screen. Here, you'll need to:

• Select the amount you wish to pay (e.g., SGD350)

• Click “Confirm” and then “Next” to proceed.

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3. Select Payment Method

Choose your preferred payment method from the following options:

• PayNow: Select your bank, enter your banking details, and complete the payment through your bank’s app or online banking.

• Cheque: Write the date in the top right, payee’s full legal name on the “Pay” line, account amount in the designated box on the right, payable amount in words on the line below the payee, and sign the bottom right exactly as your signature appears on your bank’s records.

• Bank Transfer: Log into your banking app, navigate to “Pay & Transfer” and choose “Local” or “To other bank account (Fast). Add or select a recipient, enter the amount, and slide to transfer the payment to Cartrack.

• Giro: Use your bank’s app to search for the organisation and enter your bill reference number. Always ensure your account has enough money one day before the deduction date (e.g., by 23:59 on the 9th for a deduction on the 10th).

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4. Payment Confirmation

Once your payment is processed (regardless of the method), you’ll see a “Payment Successful” message. Your payment will be automatically updated in our system, and your balance will be adjusted accordingly.

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Cartrack payment issues and how to resolve them

To offer you the best service, we have dedicated customer service agents ready to assist and attend to your queries 24/7. Here are some common payment issues some clients face and how to resolve them should you find yourself in the same situation:  

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1. Why is my account d3houble-debited in one month?

This typically occurs when your account is behind on payments. In such cases, we may charge your account twice to help you get back on track with your payments and continue enjoying our services.

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2. What should I do if I’m struggling to pay my account? 

At Cartrack, we understand that financial difficulties can arise. Should you find yourself in a situation where you are struggling to pay your account, reach out to us. Together, we can come up with a suitable payment plan, if applicable. 

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3. How do I update my banking details and debit order date? 

To change your banking details, please send in your request to hello.sg@cartrack.com.

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4. Why is the amount debited on my account different from the amount I agreed to pay for my subscription?

For new subscribers, the first debit order includes both the current month’s fee and a pro-rata charge for days used in the previous month. Your subscription fee may also change if you’ve added additional services. If a payment was reversed in the previous month, the next debit will also cover that outstanding amount. For any further queries, hello.sg@cartrack.com.

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5. What is pro-rata and how is it calculated? 

A pro-rata is a charge to accommodate the services that we render to the client from the first day of the fitment of the unit until the last day of the month. This applies to all our new clients who apply when the month is already in motion. The pro-rata amount differs for individuals as it depends on the package you have. 

How to calculate a pro-rata payment:

• Take the client’s full monthly contract amount and divide it by 31 to give a daily rate.

• Take 31 and subtract the date the device was fitted, then add one day to include the day of fitment.

• Multiply the above answer by the daily rate of the pro-rata amount. This amount will be debited the day after installation to ensure services are available from day 1.

• The monthly subscription will be debited on the date that the client stipulated, usually the debit order date (this is aligned to the client’s salary pay date to ensure no interruption of services).

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This is a once-off payment at the beginning of your contract. If you adjust your contract, like upgrading or downgrading your services, it will be recalculated to accommodate these changes. 

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6. How do I change my plan?

If you want to change your product package, whether upgrading, downgrading, or adding value-added services, there are different migration fees, depending on your choice. 

If you upgrade on a cash contract where different hardware or devices need to be installed, you will have to pay the difference in cost between the old and new packages.

Here’s how to change your Cartrack plan:

• Contact Cartrack: Reach out to our customer service via email at hello.sg@cartrack.com or call +65 6255 4151 to let them know you want to change your plan. 

• Choose your new plan: Discuss the available plans with the customer service team and select the one that best suits your needs.

• Review costs: The team will explain any additional costs or changes in fees based on the plan you choose.

• Confirm and pay: Once you agree to the new plan, you may need to pay for any price difference or migration fees.

• Installation (if needed): If the new plan requires different equipment, Cartrack will arrange for its installation at a time that is convenient for you.

• Activation: After payment is completed and installation (if required) is done, your new package will be activated, and you can start enjoying the updated services.

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Why is my account still being debited after I cancelled my Cartrack subscription?

If you didn’t receive confirmation that your Cartrack subscription was cancelled, it may still be active. Send an email to hello.sg@cartrack.com  or call+65 6255 4151 so we can investigate and confirm whether the cancellation was finalised. The cancellation process cannot be completed if the required fee has not been paid.

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Payment Rules and Guidelines

Just like any contract agreement, there are Terms and Conditions (Ts and Cs) that you need to know to better manage and understand your Cartrack account.

Our Ts and Cs regarding fees are emailed to you once you open an account with us. You must familiarise yourself with the content in the document to help you navigate your account and to avoid misunderstandings in the long run. 

Take a look at Cartrack’s simplified Ts and Cs regarding fees, found in Section 5 of the document.

Terms and Conditions Related to Fees

• The Price Table, which lists all fees, is available in product brochures and is updated periodically. You can request a copy at any time.

• You agree to pay the service fee as shown in your subscriber application form. This fee will be paid monthly in advance via debit order from your bank account.

• The fee will be debited on your salary date or preferred debit date, as provided. If either date falls on a non-business day, the payment may be debited on the previous business day.

• If your debit order is returned for any reason, the payment date may be adjusted.

• Additional services, such as roaming costs, must be paid within 30 days of receiving an invoice. The amounts on the invoice are considered accurate, and payment cannot be withheld for any reason.

• The first payment, including any purchase price (if applicable), is due when the unit is installed.

• The fee will increase by 10% each year during the second and third years of the agreement. After that, increases will be at the discretion of Cartrack, in line with the Consumer Price Index.

• Written notice will be given 40 to 80 days before any fee increase, stating the new amount and the effective date.

• The portion of the fee related to foreign currency costs may change based on exchange rate fluctuations or third-party cost changes. Written notice will be provided 30 days before any adjustments.

• Any outstanding amounts will incur interest from the due date until paid, at the maximum rate allowed by law.

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In conclusion, it is important to know and understand our payment options and processes so you can manage your account better. This also includes our terms and conditions, which are in your contract; they will answer any query you may have regarding fees. 

Get in touch with us anytime if you need clarification on your contract.

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Frequently Asked Questions