SadaPay and NayaPay are popular digital wallets in Pakistan, especially for freelancers and people who pay for Netflix, Spotify, YouTube Premium and other online services. Both offer free account opening, free local transfers and debit cards, but their international payment charges are very different: SadaPay lists a 6% international transaction fee (plus FED) on non-PKR payments, while NayaPay charges USD 0.25 per international card payment plus FX settlement costs. Here are the latest 2026 charges and limits, side by side.
SadaPay Charges 2026
| Service | SadaPay charge |
|---|---|
| Account opening & annual fee | Free |
| SadaPay to SadaPay / Raast / bank transfer | Free |
| Inbound remittance | Free |
| International (non-PKR) card payment | 6% of amount + FED (shown as about 6.96%) |
| Fixed fee on non-PKR payment up to Rs 800 | Rs 55 |
| Local ATM withdrawal | Rs 35 |
| International ATM withdrawal | Rs 250 |
The 6% fee is from SadaPay’s help centre. SadaPay’s example: a USD 10 purchase is charged the converted amount plus the 6.96% fee.
NayaPay Charges 2026 (July–December Schedule)
| Service | NayaPay charge |
|---|---|
| Account opening & annual fee | Free |
| NayaPay to NayaPay / Raast | Free |
| International card payment | USD 0.25 per payment (successful or failed) + FX settlement cost |
| Alipay+ payment abroad | 2.85% |
| Local ATM withdrawal | Rs 35 |
| ATM withdrawal abroad | Rs 200 |
| Balance check at ATM abroad | Rs 150 |
| Virtual Visa card | Rs 600 |
| Physical Visa card (with delivery) | Rs 1,000 |
| PayPak card (with delivery) | Rs 1,808 |
NayaPay allows up to 5 failed international payments before charging a fee to reset the counter, so keep enough balance before paying online.
SadaPay vs NayaPay: Quick Comparison
| Point | SadaPay | NayaPay |
|---|---|---|
| Card network | Mastercard | Visa (and PayPak) |
| International payment fee | 6% + FED; Rs 55 fixed on small payments | USD 0.25 per payment + FX cost |
| Local ATM | Rs 35 | Rs 35 (check app for partner-bank offers) |
| ATM abroad | Rs 250 | Rs 200 |
| Best for | Receiving freelance payments, local use | Frequent international subscriptions |
Which Is Cheaper for Netflix, Spotify and YouTube?
For a USD 10 subscription, SadaPay’s 6% fee adds about USD 0.60 (plus FED), while NayaPay’s fixed USD 0.25 is usually lower, although NayaPay also passes on FX settlement costs. For very small payments, SadaPay’s Rs 55 fixed fee also applies. Check the final charged amount in your app after the first payment. See Netflix price in Pakistan, Spotify Premium price, YouTube Premium price and Amazon Prime Video price, and our guide on Netflix payment methods.
Receiving Money from Abroad
Both wallets let you receive foreign remittances and freelance payments into your PKR wallet. SadaPay lists inbound remittances as free. The rupee amount you receive depends on the exchange rate each wallet uses on that day, so compare the final PKR credited for the same dollar amount before choosing one as your main receiving account.
Taxes on International Card Payments
On top of wallet fees, banks and wallets deduct advance tax on payments made abroad or in foreign currency (higher for non-filers). This tax is separate from SadaPay’s or NayaPay’s own fee.
Limits
- NayaPay: limits are low on the initial tier; after biometric verification, monthly limits rise to about Rs 400,000, and foreign remittance limits are higher.
- SadaPay: limits depend on your verification level and are shown in the app.
For bigger limits, complete biometric verification in the app or at a partner location.
How to Open a SadaPay or NayaPay Account
- Download the official app from Google Play or the App Store.
- Sign up with your mobile number registered on your own CNIC.
- Enter CNIC details and complete the selfie/identity check.
- Order the virtual or physical card from the app.
- Complete biometric verification for higher limits.
Safety Tips
- Freeze your card in the app when not in use, especially after online subscriptions.
- Never share OTPs or card details with “agents” or callers.
- Remove saved cards from websites you no longer use.
Which Wallet Should Freelancers Use?
Both wallets can receive money from abroad. Many freelancers keep one wallet for receiving and another for paying international subscriptions. Also compare Payoneer guide and our list of best freelancing websites in Pakistan. For local wallet fees, see JazzCash charges.
Frequently Asked Questions
What is SadaPay’s international transaction fee?
6% of the base amount plus FED (shown as about 6.96%), with a Rs 55 fixed fee on non-PKR payments up to Rs 800.
What does NayaPay charge for international payments?
USD 0.25 per international card payment, plus FX settlement costs.
Is SadaPay or NayaPay better for Netflix?
NayaPay’s fixed fee is usually cheaper for regular subscriptions, but check the total charged in your app.
What is the ATM fee on SadaPay and NayaPay?
Rs 35 at local ATMs; abroad Rs 250 on SadaPay and Rs 200 on NayaPay.
Are SadaPay and NayaPay free to open?
Yes, both have free sign-up and no annual account fee.
Updated November 2026. Charges change; always check the latest schedule of charges in the app.