Sadapay
Sadapay is a fintech wallet issued on Mastercard, rated 6.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Sadapay is the strongest fit for all-rounder and ad spend, and asks for ID + proof at signup — we carry it at low-medium (state bank of pakistan regulated) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Sadapay · Fintech Wallet |
| Official site | https://sadapay.pk |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 6.2/10 (3.0★, 861 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual Mastercard); PKR 1,724 physical |
| Monthly / annual fee | 0 |
| Top-up (deposit) fee | Not applicable (wallet) |
| Minimum deposit | Not applicable |
| FX / conversion fee | 6% international transaction fee |
Verification and risk
| KYC required | Yes (CNIC + selfie; NICOP for overseas Pakistanis) |
| Risk level | Low-Medium (State Bank of Pakistan regulated) |
| AVS check | No |
| 3-D Secure | Yes (Mastercard 3D Secure) |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (free local transfers) |
| Alipay / WeChat Pay | No |
| Cards per account | 1 (virtual card per account) |
Billing
| Billing address | Pakistan |
| Billing country | Pakistan |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT / Claude / Midjourney |
What the issuer states on its own site
- Send instant money transfers to any bank or wallet in Pakistan,100% free.
- Join 3 million users and get your free virtual card to shop online.
- Enjoy free money transfers, receive remittances, pay bills, and top up your mobile balance.
Source: https://sadapay.pk.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 530961 | Mastercard | Pakistan | Debit | 340 | 244 | 71.8% |
We logged 244 cleared charges out of 340 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Sadapay cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0; top-ups cost Not applicable (wallet); conversion is priced at 6% international transaction fee; you need Not applicable to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Sadapay?
Sadapay asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (CNIC + selfie; NICOP for overseas Pakistanis)
How can I fund Sadapay?
You can fund it with bank transfer (free local transfers). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Sadapay need?
Setting it up: the billing address type is Pakistan; cards are issued against Pakistan; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Sadapay work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Sadapay trigger 3-D Secure?
Yes. Sadapay supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Sadapay?
The issuer allows 1 (virtual card per account). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.