Honestly, dealing with SadaPay has started to feel less like dealing with a financial service and more like dealing with an organization that makes its own rules and expects customers to just accept whatever they say.

Here's what happened.

An account was restricted after a card transaction was declined. SadaPay provided a process to resolve the situation and transfer the remaining money. The required form was submitted, but SadaPay later said it had been submitted using a different email address.

Fine. No problem.

The obvious solution was to submit it again using the registered email address.

Except the system then said the form had already been submitted.

Support was contacted repeatedly. Instead of actually fixing the problem, the issue dragged on.

Eventually, the account holder asked for a very simple resolution:

Either restore the account, or formally close it.

SadaPay said the account could not be reopened.

So the customer asked them to close it.

And then came the ridiculous part.

SadaPay claimed:

>"As per regulations, the account cannot be permanently closed."

Okay — which regulation?

Ask them to identify the specific SBP regulation that prevents an account from being permanently closed, and suddenly you get a completely different discussion about data retention, deletion of personal information, policies, etc.

Nobody is asking them to destroy legally required records.

The question is simply: if you can restrict someone's account and prevent them from using your service, why can you apparently not formally terminate the customer relationship?

This is what makes the whole experience feel so shady.

The customer keeps asking one straightforward question, while support keeps moving the conversation somewhere else.

Then you escalate it to the regulator, provide the correspondence, and still end up feeling like you're being sent around in circles.

At some point you have to ask:

Who is actually accountable here?

A financial institution shouldn't be able to hide behind vague statements like "as per regulations" without being able to clearly identify the regulation they're relying on.

If there really is an SBP rule preventing permanent closure in this situation, show it.

If there isn't, then why tell customers that there is?

This isn't about some huge amount of money. It's about how a financial company treats its customers when something goes wrong.

Has anyone else experienced this kind of behavior from SadaPay?

Because right now, the whole thing gives serious "we make the rules, you just deal with it" vibes.