What is SadaPay

These legal terms are between you and SadaTech Pakistan Private Limited (SadaPay/us/we) and you agree to them by using the SadaPay app and website. These terms form a legally binding agreement between you and us. Please take the time to read them carefully. If you are under age 18, you may only use SadaPay with the consent of your parent or legal guardian. Please be sure your parent or legal guardian has reviewed and discussed these Terms with you.

You should read this document along with our Privacy Policy

How to contact us

Customers can contact us through the live-chat feature in your SadaPay app.

Email us at hello@sadapay.pk

Or send a letter to: SadaPay, Ufone Tower 9th Floor, Jinnah Avenue, Block F 7/1, Blue Area, Islamabad, Pakistan.

How we’ll contact you

We’ll contact you in English 🇺🇸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 your payments if:

  • your instructions are unclear
  • we suspect criminal activity on your account
  • we’re not legally allowed to make the transfer
  • it goes over your payment limits (you’ll find these in your app; they’ll change over time).

If we block a payment, we’ll let you know as soon as possible, using one of our usual channels (see ‘How we’ll 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 that accepts Mastercard.

When you use your card abroad 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.

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 datacenters 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 grounds to do so. For example, any records we need to keep for regulatory reasons (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 FBR 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 we’ll contact you’ above).

If you lose your card or see transactions in the app that look wrong, please freeze you 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 very negligent
  • any money you lost due to our mistakes or inaccuracies with your payments 

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 very negligent in not keeping them safe or if your account is in overdraft, 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 other 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 close your account by giving you at least two months’ notice. We may close your account or stop you using your card and app immediately if we believe you’ve:

  • 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
  • been abusive to anyone at SadaPay or a member of our community

How to make a complaint

If you have a complaint, please contact us and we’ll do our best to fix the problem.

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 for any reason. 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 we’ll contact you’ above).

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

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
50 Gurumangat Rd, Block N,
Gulberg III, Lahore, Punjab
SadaPay UAE Office
FinTech Hive,
Gate Avenue, Zone D, Level 1,
Dubai Int’l Financial Centre,
PO Box 507211, Dubai, UAE