Our users often wonder how payments are processed at SadaBiz or why it takes a few days for the money to show up.

While we all wish for instant transfers, there’s a process behind the scenes that ensures your money stays safe & secure during the transit.

Let’s look at how payment processing works at SadaBiz—from authorization to settlement and withdrawal.

We’re going to break down each step so you understand why things take a little time and, more importantly, why it’s worth the wait.  

How do payments work – what’s the process like?

Now, payment processing is something that takes time—and for justified reasons.

It goes through multiple stages which we have broken down in the simplest of terms below.

As it’s your hard-earned money, we’re talking about here.

Our priority is simple: it is to simplify transactions, but that can’t happen at the expense of your security.

To achieve this, we use a post-authorization process for capturing payments.

Wait. What?

In simple terms, post-authorization ensures that when a payment is made, it isn't processed immediately.

Instead, it undergoes a thorough review based on specific risk parameters.

At this stage, we verify the security of each transaction and protect you against potential fraud.

‍Here's how it works:

1. Payment Authorization

At this stage, we will check if the client has enough funds and if their chosen payment method (like a credit card) is valid and secure.

Now, usually, a very small percentage of payments have to go through this.

For all these payments, we’ll perform our due diligence to ensure the payment seamlessly goes through without any hiccups.

2. Payment Capture

This is when your payment is actually taken from your client's account, which ensures the transaction has been successfully completed and has cleared risk review as well. 🙌

3. Settlement

Settlement is the part that’s everybody’s favorite!

This is when the money that’s been captured is now on its way to you 🎉– and it will land under the “Available Earnings” in USD.

This will typically take up to 4 business days to land, but rest assured, it will make its landing.

4. Withdrawal

Once the settlement is over, you have control over when to convert your hard-earned USD earnings into PKR.

You can hold that balance in USD for as long as you want or withdraw as much as you’d like to either your SadaBiz wallet or to your SadaPay account—both of which will give you a combined total of Rs. 900,000 limit.

That means you have the power to decide the best time to convert your USD balance to PKR. This allows you to benefit from favorable exchange rates potentially.

Now, there may be times when there is a delay with withdrawals, too—but nothing to worry about.

These are usually due to processing time lags and information verification.

We’ve been often told about Payment Monitoring; what is that?

This is a rare occurrence and only happens when our risk team detects any irregularities in the payment. 🕵️‍♂️

We strive to ensure a smooth and seamless experience for our customers.

How does monitoring work?

Invoice Identification 🔍

When a payment is made, the invoice enters our post-authorization phase.

We carefully identify invoices that may or may not violate our terms and conditions.

User Outreach 📞

If we suspect any issues, we promptly reach out to the user for additional information.

This step is reserved for a very small fraction of payments where potential issues are identified.

Information Review 📝

Upon receiving the required information from the user, we conduct a thorough review again.

This review helps us determine if the payment adheres to our security and risk parameters—some of which are even chalked out by the State Bank of Pakistan.

Payment Void/Reversal 🔄

Based on our review, if everything checks out, the payment is processed and completed.

If our system spots anything odd in an invoice, like unusual transaction behavior or signs of potential unauthorized access to your account, it could put you at risk.

As a precaution, we don't authorize payments, and they're instantly reversed from our end.

The reversal timeline completely depends on the payer’s bank after a cancellation is initiated from our end.

Wrapping It Up

Our careful, detailed, yet seamless process helps us maintain a secure payment environment for all our users.

As we are a licensed EMI by the State Bank of Pakistan, we must conduct routine due diligence on customers and their transactions so our platform is 100% secure.

If you have any more questions, feel free to reach out to us via our in-app chat for further clarity.