How Smartpay Works
Using the Smartpay app is straightforward and designed to make your banking experience seamless and efficient. Here’s how it works:
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Download and Register
Download the Smartpay app from the Apple App Store, Google Play Store, or Huawei AppGallery.
Register with your phone number and set up your account with a few simple steps.
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Account Setup
Complete your profile by providing necessary details and verifying your identity.
Link your bank account or mobile wallet for easy transfers and payments.
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Explore Features:
Navigate through the intuitive interface to access various features such as transfers, bill payments, airtime purchases, savings, loans, and more.
Use our advanced security features like biometric authentication for secure login and transactions.
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Transactions
Instantly transfer money to other users or bank accounts.
Pay your bills, buy airtime, and manage your finances all in one place.
Monitor your spending with detailed insights and set budgets to control your expenses.
Introducing SmartPay - The Future Of Banking, Today.
At Smartpay Innovation Ltd, we are a dynamic and forward-thinking finance services company deploying cutting edge technology dedicated to transforming the way individuals and businesses manage their financial activities. Our focus is on delivering a comprehensive suite of digital banking and communication services that address the diverse needs of our customers. We offer everything from international and local transfers, AI powered banking, and blockchain-protected transactions, to diverse bill payments, issuance of debit and virtual cards, savings/investment plans, and much more. Through our innovative services, we empower our customers to experience a seamless, secure, and efficient financial ecosystem that brings the future of banking to their fingertips.
SmartPay Services
Local and International Transfers
AI-Powered Interactive Banking
Utility and Bill Payments
Shopping and Gaming Integration
Debit and Virtual Cards
Transaction Dispute Resolution (Abbey AI)
Agency Banking
Wallet and Card Based Transactions
Auto Registration and Renewal
Blockchain Protected Transactions
Advanced Security Features
Corporate Services
Tokenized and Cryptocurrency Services
Contactless and Soft POS Payments
KYC, KYB, and Other Verification Services
Betting API Integration
Financial Product Offerings (Microloans, Savings, Investments)
SmartPay app is available on
Users can also access SmartPay via USSD
SmartPay AI-Driven Digital Banking Features.
Our Bank regularly compiles and publishes a range of monetary and financial statistics. These include domestic banking statistics, external finance statistics, and international banking statistics.
Real-Time Transaction Monitoring, Screening and Reconciliation
Our AI-powered system monitors transactions in real time, ensuring seamless reconciliation across multiple vendors, including merchants, agents, aggregators, and end users. This system ensures accuracy, speed, and efficiency in financial reporting and balances for all parties.
AI-Powered Account Opening and Verification
SmartPay's AI simplifies the account opening process with automated KYC (Know Your Customer), KYB (Know Your Business), and KYI (Know Your Institution) protocols. It performs instant data validation, authentication, and matching, providing a secure and user-friendly experience.
AI-Driven Customer Support and Conflict Resolution
Our AI enhances customer service by handling conflict resolution, customer requests, and transaction assistance. Features include: Multilingual support in languages such as Hausa, Igbo, Yoruba, Pigin, Arabic, Swahili, French, Spanish, Mandarin Chinese, Malay, Bahasa Indonesia, Hindi, and Portuguese. Live video banking, voice message banking, chat banking, and interactive customer support.
AI-Enabled Internal Operations and Compliance
SmartPay's AI supports internal audit processes, accounting, balance sheet management, and compliance with Central Bank of Nigeria (CBN) regulations. It automates reporting, documentation, and filing, ensuring full regulatory adherence and operational efficiency.
Financial Assistance and Planning Tools
The AI offers real-time answers and financial education support, including:
» Exchange rate calculators.
» Investment return on investment (ROI) calculators.
» Financial planning and savings advice.
Security and Fraud Prevention
AI-driven security features detect and prevent fraudulent transactions, ensuring the safety of users’ funds and accounts. Continuous monitoring enhances fraud detection, minimizing risks and increasing trust.
Testimonials
Jewelry Shop OwnerWhen I needed financial assistance to expand my shop, I went directly to SmartPay. Securing financing helped us renovate and expand my jewelry shop and attract more clients.
Charity Organization ManagerI chose SmartPay because I know they share my values of putting community first. Not only do they make banking easy, I see them out volunteering and investing in our community.
International Company OwnerFinding SmartPay, a reliable bank with the international reputation and specialized lending programs allowed me to finance my business and open a new office in California. Thank you!
Choose Your SmartPay Card Now!
Frequently Asked Questions
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What is the currency amount for the SmartPay Card?
The minimum amount that can be loaded on the card is $100 or equivalent amount in other currency. The maximum amount would be as per Banque guidelines applicable from time to time. You can learn more about it by contacting our consultants.
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What steps do I take if my card gets lost?
If you lose your card please immediately contact our customer support center. If you are in the USA please call 1-800-22-6999, for other countries please call 0091-22- 66937000.
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Do I have to maintain any minimum balance?
It depends on the card you choose. For example, if you pick an Orange Card, you get a special waiver on the minimum balance requirement.
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What kind of browser do I need for online banking?
Our Banking System supports all browsers. Some of the most popular ones are Chrome, Opera, Firefox, and Safari. If you are using Internet Explorer make sure the version of your browser is 9.0 or higher.
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Can I make online payments to foreign recipients?
Yes, you can! Our bank does not limit any payments to a certain country so whether you are using our online banking system or an app for your device, you can safely transfer any amount of money or purchase services and products.
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What security features does the mobile banking have?
Mobile browser-based banking is very similar to PC based internet banking. The respective mobile handset browser replaces a PC browser to access the banking services. Some of the important security measures in place are 128 bit SSL from VeriSign, https:// based access, Intrusion detection system (IDS) etc.