SmartPay

Online: they select SmartPay when purchasing online

Invoice: they pay directly from e-invoice with payment link or QR code

Mobile app: they pay from their mobile app

Email or sms: they pay from an email, payment notification or secure sms

Chat: they pay directly from the chat where you interact with them

With SmartPay, you can receive payments by displaying a payment button for anyone to use.

Easily search and identify account-to-account transactions and their status

Multiple search filters

Get detailed transaction reports

Export data to Excel

Explore our articles and contact us to learn how SmartPay can benefit your business.

Request the test environment and enjoy the simplicity of integrating account-to-account payments with SmartPay.

I want details

Discover how to integrate SmartPay for convenient account-to-account payments for your customers seamlessly.

View in one place all account-to-account payments initiated by you and your customers.

Welcome to your payment and receipt control panel powered by open banking

SmartPay Console

You can now offer SmartPay as a payment option across all your sales channels, making account-to-account payments quick and easy for your customers.

one payment flow, multiple uses for your collections

Charge directly to your account

Reduce costs and fraud

Increase security for your customers

SmartPay benefits

Reduce costs by a minimum 50%

The absence of intermediaries allows for the lowest online payment costs: directly from the buyers' account to yours.

Instant collection, depending on the bank

The money transfer to your account can now be completed in less than 10 seconds, even for interbank payments, from an ever-growing number of banks.

Automated and effortless reconciliation

SmartPay collection transactions are complete, with pre-filled payment details for guaranteed accuracy.

Customers pay quickly, effortlessly

With SmartPay, the shortest online payment, they select their bank, login, and authorize from an invoice, at checkout in an online shop, or from a mobile app.

Offer the safest payment to your customers and reduce fraud

SmartPay ensures secure payments as customers authorize payment only through their bank, without disclosing any confidential data on third-party sites.

Optimize
your cash-flow

Gain immediate access to your funds and stay up-to-date with real-time updates on the status of your payments.

Test SmartPay

More details

Upgrade your platform with account-to-account payments through open banking

No files

No manual operation

Just incredibly easy

Pay bills, wages, taxes and any third parties directly from your financial application

It is easier with SmartPay

Improve your team's efficiency by eliminating payment files

You can save time and energy on repetitive and worthless tasks by not having to download and upload payment files between your financial app and bank apps.

Maximise payment security

Simplify and provide access to your bank's app only to authorized users: fewer users, more precise access rights, and higher security.

Pay multiple beneficiaries quickly and easily

SmartPay automatically sends transaction details to your bank and requires only one authorization for bulk payments, eliminating manual data transport.

You have full visibility and control

You can stay on top of your initiated payments and recipients, ensuring you're always prepared for any audit.

Are you interested in discovering ways to streamline bulk payments?

More details

Test SmartPay

Deposit or collect money in your account in less than 10 seconds, any day, any time

You and your customers can enjoy instant transaction approval and a seamless online payment and checkout experience.

Lightning-fast payments and cashouts

Pay and cash securely with protection from the latest financial technology mix: instant payments and open banking.

Trust

You possess a solid groundwork for developing innovative financial products and services.

Innovation

SmartPay offers the most desired benefits, with instant payments via open banking becoming the new standard for account-to-account payments online:

Learn more about SmartPay instant payments via open banking

Test SmartPay

More details

Find out more

Transform your phone into a POS and start accepting SmartPay payments at your physical locations

I want to find out more

Soon, you will be able to receive payments straight to your bank account from anywhere

With SmartPay, you can easily charge your bank account using any Android smartphone, both online and offline

All the benefits of online account-to-account payments now waiting for you at the POS

Display the amount and give them the terminal with the payment QR code

They scanned the QR code using their mobile phone

They choose the bank they want to use for payment

They authorize the payment and you cash directly into your bank account

What is the process for customers to pay using SmartPay at your location?

You can soon initiate payments from your current location with our assistance or through our affiliated partners

SmartPay

Partners who have integrated SmartPay into their application

Loans

Utilities

Investment

ERP Systems

eCommerce/ Retail

Insurance

Travel

The mobile app that helps you keep track of your financial situation in real time, using only Smart Fintech's open banking solutions

You get the lowest fees when cashing out online

Direct deposit to your bank account

Provide a quick and efficient payment experience

Your customers pay securely online

You track their payment status to ensure timely delivery of their orders

Many online stores nowadays are limited to accepting card payments or going through a problematic payment order process, which may result in mistakes, complicated reconciliation, and a lack of transparency. However, using SmartPay for online payments can offer eCommerce businesses new advantages.

SmartPay in eCommerce

The mobile app that helps you keep track of your financial situation in real time, using only Smart Fintech's open banking solutions

You get the lowest fees possible, regardless of the transaction value

Eliminate card payment caps

Offer unstructured, seamless investor feed experience

You monitor your power supply status in real-time

Integrate quickly and with local support

Investment brokers have long relied on money orders and card payments for account funding. However, due to the high costs and fragmented experiences associated with these methods, SmartPay is becoming the preferred method.

SmartPay in Investments

The mobile app that helps you keep track of your financial situation in real time, using only Smart Fintech's open banking solutions

Cash in with the lowest fees

rates deposited straight into your account

customer repayment without online data exposure

Offer SmartPay directly to your customer account

Track payment status

Repaying loan installments is expensive for NFIs, and fraudsters increasingly target credit card payments. SmartPay and account-to-account payments offer similar benefits to credit solutions.

SmartPay in Lending

Download and try Ryke for free

Send invoices with an account-to-account payment link

Customers pay quickly and easily directly from the invoice

No need to enter payment details on the invoice manually

Ensure accurate and prompt reconciliation

Effortlessly track the payment status of every invoice in real-time.

The SmartPay integration enables fast and straightforward digitization of payment orders for invoicing and accounting applications, streamlining online bill payments and reconciliation.

SmartPay in ERP and Billing

Download and try Ryke for free

You collect directly into your account

Payment details are pre-filled for easy reconciliation

You benefit from low collection costs

Offer SmartPay as a payment option across all channels, including invoices, customer accounts, and mobile/web apps

Ensure top-level security for all online payments

Pay for energy, gas, phone, internet, and other services in advance with SmartPay, eliminating intermediaries.

SmartPay in Utilities

Use cases: Discover where Smart Pay has transformed financial transactions

Aplicația mobilă care te ajută să ții pasul în timp real cu propria situație financiară, utilizând exclusiv soluțiile de open banking ale Smart Fintech

Nexus ERP x SmartPay: Digitalizarea plăților de facturi, salarii, taxe și alți terți

Rezultat: Plăți digitalizate, rapide, sigure și eficiente pentru mii de companii - direct din ERP.

Partener: Nexus ERP – platformă utilizată de peste 6000 de companii din România

Provocare: Plăți manuale sau cu fișiere tradiționale particulare fiecărei bănci, consumatoare de timp, cu risc de erori și lipsă de trasabilitate.

Soluție: Integrarea SmartPay în Nexus ERP

Automatizarea inițierii plăților din ERP

Transmiterea automată a detaliilor de plată cu SmartPay direct către bănci

Reconciliere automată

Status plăți direct în ERP

Aplicația mobilă care te ajută să ții pasul în timp real cu propria situație financiară, utilizând exclusiv soluțiile de open banking ale Smart Fintech

SmartPay în eCommerce

Magazinele online sunt constrânse azi să accepte plăți online doar cu cardul sau prin experiența anevoiasă a ordinului de plată, care conduce la detalii eronate, reconcilieri dificile și lipsa transparenței. Inițierea plăților online cu SmartPay aduce beneficii noi în eCommerce.

Ai cele mai mici comisioane la încasarea online

Încasezi direct în contul tău bancar

Oferi o experiență de plată scurtă și rapidă

Clienții tăi plătesc în siguranță

Știi statusul plății online și poți livra comanda

Aplicația mobilă care te ajută să ții pasul în timp real cu propria situație financiară, utilizând exclusiv soluțiile de open banking ale Smart Fintech

SmartPay în Investiții

Mult timp, ordinele de plată și plățile cu cardul au dominat alimentarea conturilor la brokerii de investiții. Acum, datorită costurilor mari și experienței fragmentate ale acestor metode de plată, SmartPay devine metoda preferată pentru alimentarea conturilor de investiții.

Ai cele mai mici comisioane indiferent de valoarea tranzacției

Elimini plafoanele prezente la plata cu cardul

Oferi experiență de alimentare nefragmentată, fluidă, pentru investitori

Cunoști statusul alimentării în orice moment

Integrezi rapid și cu suport local

Aplicația mobilă care te ajută să ții pasul în timp real cu propria situație financiară, utilizând exclusiv soluțiile de open banking ale Smart Fintech

SmartPay în Creditare

Rambursarea ratelor la credite este costisitoare pentru orice IFN, iar plata cu cardul rămâne ținta tot mai multor fraude. SmartPay și plata cont la cont oferă beneficiile așteptate de soluțiile de creditare.

Încasezi la cele mai mici comisioane

Ratele ajung direct în contul tău

Clienții rambursează fără expunerea datelor confidențiale online

Oferi SmartPay direct în contul de client

Știi statusul fiecărei inițieri de plată

Descarcă și testează Ryke gratuit

SmartPay în ERP și Facturare

Digitalizarea ordinelor de plată este adusă în premieră de SmartPay în aplicațiile de facturare și contabilitate printr-o integrare simplă și rapidă. Cu SmartPay transformi experiența de plată online a facturilor și simplifici condițiile în care reconciliezi.

Emiți facturile cu link de plată cont la cont

Clienții plătesc rapid și ușor direct din factură

Fără operarea manuală a detaliilor de plată înscrise pe factură

Reconciliezi corect și instant

Știi instant statusul plății fiecărei facturi

Descarcă și testează Ryke gratuit

SmartPay în Utilități

Energie, gaz, telefon, internet și alte servicii consumate în avans pot fi plătite cu SmartPay fără intermediari în procesul de plată.

Încasezi direct în contul tău

Reconciliezi rapid, detaliile de plată sunt mereu corect precompletate de SmartPay

Ai cele mai mici costuri per încasare

Oferi plata cu SmartPay pe orice canal încasezi, de la factură, cont de client, până la aplicație mobilă sau web

Asiguri clienții cu cel mai bun nivel de securitate la plata online

Use cases: Discover where Smart Pay has transformed financial transactions

See documentation

You have everything at hand to integrate SmartPay into your platform

With SmartPay, you can receive payments by displaying a payment button for anyone to use.

Easily search and identify account-to-account transactions and their status

Multiple search filters

Get detailed transaction reports

Export data to Excel

Request the test environment and enjoy the simplicity of integrating account-to-account payments with SmartPay.

Discover how to integrate SmartPay for convenient account-to-account payments for your customers seamlessly.

Welcome to your payment and receipt control panel powered by open banking

SmartPay Console

one payment flow, multiple uses for your collections

SmartPay

Charge directly to your account

Reduce costs and fraud

Increase security for your customers

SmartPay benefits

The absence of intermediaries allows for the lowest online payment costs: directly from the buyers' account to yours.

The money transfer to your account can now be completed in less than 10 seconds, even for interbank payments, from an ever-growing number of banks.

SmartPay collection transactions are complete, with pre-filled payment details for guaranteed accuracy.

With SmartPay, the shortest online payment, they select their bank, login, and authorize from an invoice, at checkout in an online shop, or from a mobile app.

SmartPay ensures secure payments as customers authorize payment only through their bank, without disclosing any confidential data on third-party sites.

Gain immediate access to your funds and stay up-to-date with real-time updates on the status of your payments.

Upgrade your platform with account-to-account payments through open banking

Improve your team's efficiency by eliminating payment files

You can save time and energy on repetitive and worthless tasks by not having to download and upload payment files between your financial app and bank apps.

Simplify and provide access to your bank's app only to authorized users: fewer users, more precise access rights, and higher security.

SmartPay automatically sends transaction details to your bank and requires only one authorization for bulk payments, eliminating manual data transport.

You can stay on top of your initiated payments and recipients, ensuring you're always prepared for any audit.

Partners who have integrated SmartPay into their application

SmartPay in eCommerce

Investment brokers have long relied on money orders and card payments for account funding. However, due to the high costs and fragmented experiences associated with these methods, SmartPay is becoming the preferred method.

SmartPay in Investments

Repaying loan installments is expensive for NFIs, and fraudsters increasingly target credit card payments. SmartPay and account-to-account payments offer similar benefits to credit solutions.

SmartPay in Lending

The SmartPay integration enables fast and straightforward digitization of payment orders for invoicing and accounting applications, streamlining online bill payments and reconciliation.

SmartPay in ERP and Billing

Pay for energy, gas, phone, internet, and other services in advance with SmartPay, eliminating intermediaries.

SmartPay in Utilities

Use cases: Discover where Smart Pay has transformed financial transactions

Nexus ERP x SmartPay: Digitalizarea plăților de facturi, salarii, taxe și alți terți

SmartPay în eCommerce

SmartPay în Investiții

Mult timp, ordinele de plată și plățile cu cardul au dominat alimentarea conturilor la brokerii de investiții. Acum, datorită costurilor mari și experienței fragmentate ale acestor metode de plată, SmartPay devine metoda preferată pentru alimentarea conturilor de investiții.

SmartPay în Creditare

Rambursarea ratelor la credite este costisitoare pentru orice IFN, iar plata cu cardul rămâne ținta tot mai multor fraude. SmartPay și plata cont la cont oferă beneficiile așteptate de soluțiile de creditare.

SmartPay în ERP și Facturare

Digitalizarea ordinelor de plată este adusă în premieră de SmartPay în aplicațiile de facturare și contabilitate printr-o integrare simplă și rapidă. Cu SmartPay transformi experiența de plată online a facturilor și simplifici condițiile în care reconciliezi.

SmartPay în Utilități

Energie, gaz, telefon, internet și alte servicii consumate în avans pot fi plătite cu SmartPay fără intermediari în procesul de plată.

Use cases: Discover where Smart Pay has transformed financial transactions

White paper SmartPay