Terms and Conditions


These terms are legally binding

SadaTech Pakistan Private Limited (SadaPay/us/we) and you agree to these Terms and Conditions (the ‘Terms’) when using the SadaPay card, app and website. These Terms form a legally binding agreement between you and us. Please take the time to read them carefully. 

You should read this document along with our Privacy Policy.

Under 18s

If you are between 13-17 years old, you may only use SadaPay with the consent of your parent or legal guardian. Please be sure your parent or legal guardian has reviewed these Terms.

How to contact us

  • You can contact us through the live-chat feature in your SadaPay app
  • Email us at hello@sadapay.pk
  • Send a letter to: SadaPay, Ufone Tower 9th Floor, Jinnah Avenue, Block F 7/1, Blue Area, Islamabad, Pakistan. 

How will we contact you

We’ll contact you in English, Urdu and Emoji via the SadaPay app, or through your email, phone or home address. Please let us know if any of these change!

We also send you instant notifications when you spend or receive money.

Making payments

You need enough money in your account to make payments. We may block or reverse any transaction, even after funds have been credited to your account. Some of the reasons we may do so can include: 

  • your instructions are unclear
  • we suspect fraud or criminal activity on your account
  • we’re not allowed to make the transfer by law
  • in compliance with a court order, or other government or regulatory order
  • it goes over your payment limits (you’ll find these in your app; they may change over time).

If we block or reverse a payment, we’ll let you know as soon as possible, using one of our usual channels (see ‘How will we contact you’ above).

You can find information on all your transactions in your feed.

Using your card abroad

Your SadaPay card should work anywhere around the world where Mastercard is accepted.

When you use your card to make a payment in a foreign currency, we use Mastercard’s exchange rate with a 1.5% fee. You can find the Mastercard exchange rate here.

Cash withdrawals in a foreign currency outside Pakistan cost us money, so we’ll pass the relevant charge from Mastercard to you.

Replacement Cards 

You will be able to order a replacement card where your card expires, is faulty when you receive it, has been stolen, has been swallowed by an ATM, or we have canceled your card because we are concerned about fraud. 

There is no limit to the number of times you may order a replacement card. However, where it is clear that this facility is being misused or abused, we reserve the right to reject reissuance and/or suspend/close your account. 

You agree to us using your information

By accepting these terms, you agree to us using your information to make and receive payments on your account. By using SadaPay, you also consent for us to process and store your personal information in data centers outside of Pakistan (your personal data will always be protected by encryption and/or anonymization).  If you’re no longer happy for us to use or store your information, we’ll have to close your account. But we may keep your personal data and use it where we have lawful reasons to do so (see our Privacy Policy).

Charges outside our control

You may have to pay other costs, taxes or charges in relation to your SadaPay account, which are outside of our control and not charged by us. For example, other banks may charge you for sending money to your SadaPay account.

When we offer rewards

Sometimes we’ll offer rewards for things like inviting friends to join SadaPay. We can withdraw or change these offers any time, without letting you know in advance. You’ll only get financial awards once per action (for example you’ll only get a bonus for once per friend you invite). You might have to pay income tax on money you get as part of these rewards. Contact the Federal Bureau of Revenue if you’re unsure.

If something goes wrong

Please keep your phone, card and PIN safe at all times. If we discover any security issues affecting your account, we’ll contact you as soon as possible in the most secure way, using one of our usual channels (see ‘How will we contact you’ above).

If your card is lost or damaged, or you see transactions in the app that look wrong, please freeze your card in the app and tell us as soon as possible. 

We’ll usually refund you any money if:

  • it was taken after you froze your card in the app, unless you acted fraudulently or were negligent
  • any money you lost due to our mistakes or inaccuracies 

But you won’t be able to claim back money you’ve lost if:

  • you gave us incorrect instructions or we can prove that the bank we sent your payment to received it (although we’ll still try to help you recover your money)
  • you purposefully didn’t keep your phone, card or PIN safe, or you were negligent in not keeping them safe or if your account is in overdraft, or you gave them to someone else
  • you acted fraudulently

If someone pays money into your account by mistake you give us permission to return it.

Closing your account

You can close your account at any time. If you’d like to, please get in touch with us. You’ll need to repay any money you owe us before we can close your account. Once we’ve closed it, your card won’t work and you won’t be able to access your account.

We can also suspend or close your account. Usually, we will do so by giving you at least one months’ notice. However, we may close your account or stop you from using your card and app immediately if we believe you have:

  • broken the terms of this agreement
  • broken the law or attempted to break the law
  • put us in a position where we might break the law
  • given us false information at any time
  • used your SadaPay account to pay for any illegal activities or abuse, exploit or get around any usage restrictions set by a service provider your SadaPay account is registered with
  • been abusive to anyone at SadaPay or a member of our community
  • misused or abused any of of our services in any manner whatsoever including the app, website and your SadaPay card

Moreover, monitoring suspicious transactions is essential to our function. You must comply with any request to provide additional information concerning any transaction that you have carried out, within a reasonable time frame. Failure to do so may result in suspension or closure of your account. 

If we exercise our rights to limit or refuse your access to our services, we will not be responsible for any consequences of our refusal, including any delay, damage or inconvenience you may suffer as a result. 

How to make a complaint

If you have a complaint, please contact us and we’ll do our best to fix the problem (see ‘How to contact us’ above).

If you’re still not happy, you can refer your complaint to the Consumer Protection Department. For more details, you can visit their website at http://www.sbp.org.pk/cpd/CPD.asp 

Making changes to this agreement

This agreement will always be available in the app and on our website. We can make changes to it from time to time. 

If we make changes to it that are clearly in your favor, we’ll tell you once we’ve made them. Otherwise, we’ll give you notice in the most secure way, using one of our usual channels (see ‘How will we contact you’ above).

If you don’t agree to the changes we make, you can let us know and we’ll close your account. We’ll transfer any money in your account to another account of your choice. If you owe us any money, you’ll need to pay it back. If we don’t hear from you, we’ll assume that you’re happy with the changes we made.

The laws of Pakistan apply to this agreement and any disputes will be settled by the courts of Pakistan.

SadaPay is registered as SadaTech Pakistan Pvt Ltd with the Securities and Exchange Commission of Pakistan (No. 0136598), is regulated by the State Bank of Pakistan, and is a wholly-owned subsidiary of SadaPay Technologies Ltd., registered in the Dubai International Financial Center under commercial fintech license #3263.

SadaPay Mastercard debit cards issued pursuant to a license by Mastercard Asia/Pacific Pte. Ltd.


SadaPay Head Office
Ufone Tower 9th Floor,
Jinnah Avenue, Block F-7/1,
Blue Area, Islamabad
SadaPay Lahore Office
Vogue Towers 3rd Floor,
MM Alam Rd, Block C2, Gulberg III, Lahore, Punjab, 54000
SadaPay Karachi Office
MA Tabba Foundation Building, 1st Floor, Gizri Rd, Block 9 Clifton, Karachi, Sindh 75600

SadaPay UAE Office
FinTech Hive,
Gate Avenue, Zone D, Level 1,
Dubai Int’l Financial Centre,
PO Box 507211, Dubai, UAE

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