SadaPay utilizes the highest bank-level security and encryptions. We are governed by the State Bank of Pakistan under the Electronic Money Institution regulations. Furthermore, we are also registered locally with the Securities and Exchange Commission of Pakistan as SadaPay Pvt Ltd. Also, SadaPay utilizes systems that are PCI DSS compliant, so sensitive data is well protected and always encrypted. Also, as a regulated financial institution, SadaPay must abide by strict controls to protect user data, which we take very seriously!

You can pay the invoice using the following payment methods: Apple Pay, G Pay , Mastercard or VISA card (credit/debit). Unlike bank-to-bank transfers that often require SWIFT codes, our invoicing system handles card transactions. This means you won't need to provide a SWIFT code for payment.

The 3% card processing fee is charged to you as this fee is applied to cover the costs associated with processing international card payments. It includes expenses such as currency conversion, transaction processing, and associated fees imposed by financial institutions and payment processors.

To provide you with a clear example, let's say you have a payment link for $100. In this scenario:- You will pay $103, which includes the $100 payment amount plus the 3% card processing fee.

The card processing fee is standard for international payment processing services and helps ensure that international transactions can be processed smoothly and securely.

3D-Secure is a layer of extra protection that banks and merchants all over the world use to encourage safe, fraud-free online transactions 🌍 When a payment is made through a 3D-Secure card, the cardholder is required to prove their identity during the transaction process 👀

At the moment, we don't accept non-3DS enabled cards from clients 😬 We follow strict security protocols to make sure our business account is a safe platform for you, for your clients, and for other users 🙌

You can also refer to the following article for more clarity: https://help.sadapay.pk/en/articles/6865118-why-is-my-client-unable-to-pay-using-my-business-account-link

‍Thanks for understanding ❤️

The expected processing time for the payment is 4 business days. This means that after the payment has been initiated/made, it will take approximately 4 business days for the amount to be processed and credited to the payee's account.

Please note that business days typically exclude weekends and public holidays. Therefore, if the payment is initiated on a business day, you can expect the amount to be credited to the payee's account within the next 4 business days.

Keep in mind that processing times may vary depending on the specific payment method, financial institutions involved, and other factors. It's always a good practice to communicate this processing time to all parties involved in the transaction to manage expectations effectively.

Our business account is designed to make it easy and affordable for freelancers to receive international payments from around the world. However, there are certain countries from which payments cannot be made due to regulatory restrictions. These countries include:

Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bulgaria, Central African Republic, Congo (Democratic Republic of the), Croatia, Cuba, Ethiopia, India, Iran (Islamic Republic of), Iraq, Israel, Korea (Democratic People's Republic of), Kosovo, Lebanon, Libya, Mali, Montenegro, Myanmar, Nicaragua, North Macedonia, Romania, Russian Federation, Serbia, Slovenia, Somalia, South Sudan, Sudan, Syrian Arab Republic, Venezuela (Bolivarian Republic of), Yemen, Zimbabwe.

Please note that these restrictions are based on regulatory requirements and may change over time. If you have questions about receiving payments from specific countries or need further assistance, please reach out to our support team for guidance.

If you wish to request a refund for a payment, especially in cases where services have not been rendered on time or there are other valid reasons for the refund, you can initiate the process by ensuring the following steps:

1. Compose an email: Send an email to invoicing.support@sadapay.pk. Please ensure that your email clearly explains the reason for the refund request and includes all relevant details, such as the payment link, invoice number, payment date, and any supporting documentation.

2. Provide a detailed explanation: In your email, provide a detailed explanation of why you are requesting a refund. Please be specific about the issue or problem that occurred with the payment or services.

Please note that the refund process may vary depending on SadaPay's policies and procedures. It's essential to adhere to their guidelines and provide all necessary information to facilitate a smooth refund process.

Chargebacks can be initiated under certain circumstances, but eligibility depends on various factors, including the reason for the chargeback and your bank or card issuer's policies. Here are some key points to consider:-

‍Valid Reasons: Chargebacks are typically initiated for reasons such as unauthorized or fraudulent transactions, goods or services not received, misrepresentation, or disputes.

‍Documentation: To support your case, ensure you have documentation like receipts, emails, invoices, or other evidence related to the transaction.

‍Prompt Action: Banks and card issuers often have specific timeframes within which you must initiate a chargeback, so act promptly.

‍Communication: In some cases, it's advisable to try resolving the issue with the merchant before pursuing a chargeback.- Consequences: Keep in mind that chargebacks can have consequences for merchants, potentially including fees and damage to their reputation. Initiate a chargeback only when you believe you have a valid case.

Please note that chargeback rights and processes can vary depending on your location, payment method, and card issuer's policies. Contact your bank or card issuer for guidance on initiating a chargeback for your specific situation.

Remember that this information should serve as general guidance, and individuals should consult their financial institutions for precise details and assistance regarding chargebacks.