Worst and most useless service in South Africa or maybe even africa

This service is absolutely Garbage, as their smartfund garbage service literally never reflects the money, and the previous times it had been a few thousand rands which I had to beg for after having topped up for the lady to get the people to rectify things on their end, I had to send her my credit card which is a sanlam credit card,and she was going on and on that im supposed to have sent her a proof of payment even though i sent her the receipt from prepaid 24, my id my credit card even, and now i tested it again, with a small amount, but of course after having used the smart fund, im now unable to use it as it does not reflect, and this is why i will find something else in todays digital age, as i cannot keep on having to beg someone who thinks that credit cards are only issued by banks and is obviously not the sharpest pencil in the case, to give me what i have paid for every single time, it is absolutely insane!!!!