Quettawaly Digital Talent Show
Running a company that handles payments for others is built on trust. At JahaSoft Ltd, our role has always been to bridge a gap. We help freelancers and small firms receive international payments through PayPal and transfer those funds to their local bank accounts in exchange for a small service fee. For many clients, this service is essential. Without it, they would struggle to get paid at all.
For years, this system worked reliably. We handled transactions carefully, followed internal procedures, and built long-term relationships with clients. Disputes were rare, and when they happened, they were usually resolved without losses.
That stability changed when we became involved with a client operating under the name Snoober Waseem, associated with the ecommerce website YaPhones.Shop. What followed was not just a financial loss, but a serious lesson in how payment systems can be abused and how intermediaries can be left exposed.
This article documents our experience in full detail. It explains what happened, how it happened, and why companies like ours need stronger protections when dealing with e-commerce sellers.
Understanding Our Role as a Payment Facilitator
JahaSoft Ltd does not sell products, ship goods, or interact with buyers directly. Our responsibility is limited to payments. When a client receives money from international customers via PayPal, we receive those funds on their behalf, deduct our service fee, and transfer the remainder to the client’s local bank account.
This role places us in a unique position. To PayPal, we are the account holder. To the client, we are a service provider. To buyers, we are invisible.
That invisibility becomes a problem when disputes arise.
Initial Interaction With YaPhones.Shop
Snoober Waseem approached us as an online seller running an e-commerce store. The website YaPhones.Shop presented itself as a retailer offering mobile phones, including high-end models, at significantly discounted prices.
The site appeared professionally designed. Payments were processed through PayPal. Marketing activity was visible on social media, especially TikTok. From a surface-level review, it looked similar to many small online stores operating in the same space.
At the time, there was no immediate indication that the business would result in disputes or losses. Payments were received smoothly, and communication with the client was normal.
The Sales Model Behind YaPhones.Shop
As we later observed, YaPhones.Shop relied heavily on social media advertising to generate rapid sales. TikTok ads promoted expensive smartphones at prices far below market value. This strategy is effective in attracting attention and driving impulse purchases.
Buyers saw limited-time offers and unusually low prices. Many placed orders quickly, trusting PayPal’s buyer protection as a safety net. Payments flowed in over a short period of time.
From a payment processing perspective, everything appeared legitimate. PayPal transactions referenced product purchases. No immediate disputes were raised.
Processing and Releasing the Funds
Once the PayPal payments were received, we followed our standard process.
We deducted our agreed service fee
We transferred the remaining funds to the client’s bank account
Transfers were completed through United Bank Limited (UBL)
The funds were credited successfully to an account titled SNOOBER WASEEM. Confirmation records were generated, and our role in those transactions was completed.
At this point, the funds were no longer under our control.
The Delay Before Disputes Appeared
One of the most critical aspects of this case was timing.
PayPal disputes did not appear immediately. There was a delay between the payments being made and buyers realizing that something was wrong. This delay allowed funds to be withdrawn and transferred before any red flags appeared.
When disputes finally surfaced, they came in waves.
Buyers reported that products were not delivered. Some stated that communication stopped after payment. Others claimed tracking details were never provided.
These disputes were filed directly with PayPal.
How PayPal Handled the Situation
PayPal’s buyer protection system is designed to favor buyers when sellers cannot prove delivery or resolve complaints. In this case, proof of delivery was not available to us because we were not the seller and had no involvement in shipping.
As a result, PayPal refunded buyers.
Those refunds were processed by debiting our PayPal account, not the seller’s bank account, where the funds had already been transferred.
This is where the loss occurred.
Why the Financial Burden Fell on Us
From PayPal’s perspective, the responsibility lies with the account that received the funds. PayPal does not retrieve money from a seller’s local bank account after it has been withdrawn.
This means that when a seller withdraws funds quickly and disputes arise later, the intermediary absorbs the loss.
In our case:
Buyers received their money back
The seller kept the transferred funds
JahaSoft Ltd lost the refunded amounts
We were left with no practical way to recover the funds directly.
Communication Breakdown and Lack of Resolution
As disputes escalated, communication with the client became increasingly difficult. Responses were delayed or absent. There was no meaningful effort to resolve buyer complaints or provide evidence that products were shipped.
Without cooperation from the seller, our ability to defend the disputes was effectively nonexistent.
This lack of response further strengthened buyer claims and made PayPal’s decisions predictable.
Banking and Contact Information Used
For transparency and documentation, the following details were used during transactions and communication:
Reported phone numbers:
+92 370 5857419
+992 99 199 0151
Bank used for transfers:
United Bank Limited (UBL)
IBAN: PK65UNIL0109000289162633
Account Title: SNOOBER WASEEM
These details are included to help others verify connections or identify similar patterns.
The Broader Risk for Payment Service Providers
This experience exposed a serious structural issue.
Payment facilitators act as a buffer between buyers and sellers, but they carry disproportionate risk. Even when acting honestly and transparently, they can be held financially responsible for actions beyond their control.
E-commerce sellers dealing in high-value items, combined with fast withdrawals and delayed disputes, create a high-risk scenario for any intermediary.
Red Flags We Recognized Too Late
Looking back, several warning signs are now clear:
Extremely low pricing on expensive products
Heavy dependence on short-term social media ads
Lack of verifiable fulfillment infrastructure
Rapid withdrawal of funds
Delayed dispute patterns
At the time, these factors did not trigger immediate concern. In hindsight, they form a consistent risk profile.
The Emotional and Operational Impact
Beyond financial loss, this incident affected our team.
Time and resources were spent responding to PayPal cases
Stress increased across support and finance departments
Internal processes had to be reviewed and rewritten
Client onboarding policies were tightened
No service provider wants to explain to their team why honest work resulted in losses.
Why We Chose to Share This Experience Publicly
Silence benefits bad actors. Transparency helps others.
By documenting this experience, we aim to raise awareness among:
Payment facilitators
Agencies handling client funds
Freelancers offering payment services
Small firms acting as intermediaries
If our experience helps even one company avoid a similar outcome, publishing it is worthwhile.
Our Call for Information
We are actively seeking information related to Snoober Waseem and YaPhones.Shop. If you have dealt with this individual or website or have relevant documentation, we encourage you to contact us.
Our goal is to compile evidence and pursue an official case where possible.
Changes We Have Made Since the Incident
This experience forced us to rethink how we operate.
We now apply stricter limits on e-commerce clients
Funds are held longer before release
Additional verification is required
High-risk products are reviewed carefully
Dispute ratios are monitored continuously
These changes were necessary to protect our business and our team.
Final Thoughts
The situation involving Snoober Waseem and YaPhones.Shop was a difficult lesson in how payment systems can be exploited and how intermediaries can suffer unintended consequences.
JahaSoft Ltd continues to support freelancers and small firms, but with greater caution and stronger safeguards. Trust remains important, but it must be supported by verification, controls, and clear limits.
We share this story not to assign blame publicly, but to inform, warn, and encourage responsible practices across the industry.
If you have information that may help bring clarity or accountability to this case, we invite you to reach out. Awareness is the first step toward prevention.
