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SmartPesa | SmartPesa powering smart transactions for acquiring and agency banking
SmartPesa is a specialised payments and agency banking technology solutions provider. Headquartered in Singapore, SmartPesa has customers and partners across South-East Asia and Africa. SmartPesa develops innovative point-of-sale (miniPOS, mPOS, Android POS, softPOS) and last mile agency banking solutions (miniATM and eKYC) to meet the needs of emerging and developed markets. SmartPesa's regulatory and standards compliant software-as-a-service delivers a range of transaction banking services to merchants in a fast changing payments landscape. The intelligent gateway can be deployed on-premises or in the cloud and supports international and local debit and credit cards, wallets, QRs and real-time API integrations.
acquiring, payments, agency banking, softpos, tap to phone, tap on phone, taptophone, taponphone, visa, mastercard, mpos, minipos, bbpos, pax, qpos, dspread, telpo, wisepad, wisepad2, wisepos
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SmartPesa, taking care of the tech so you don’t have to

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Agency Banking

Create a network of merchants and agents to provide banking services to their customers.

Complete Records

Full transaction history for reporting and revenue share management.

Fee Management

Customize transaction fees by transaction type, merchant group and pre-post transaction.

White Label App

Intuitive white labelled Mobile App provides merchants with a great brand experience.


Connect to 3rd party systems for data validation, retrieval and notification.


Manage agents, devices, transactions and reports from a single centralised console.

Omnichannel Merchant Acquiring

Allow your merchants to accept payments anywhere. Centrally managed platform covers all aspects of acquiring: from onboarding to hardware and reporting. Accept cards, Contactless and QR. Optimise acquiring with performance and utilisation metrics.

Learn more about Merchant Acquiring

Turnkey Agency Banking

Use SmartPesa’s card present and cardless payment solution to turn card readers into miniATMs, extending banks’ networks across the Last Mile.  Quickly expand your financial services network into rural areas at very low cost.

Learn more about Agency Banking

SmartPesa softPOS (Tap-on-Phone/Tap-to-Phone)

Secure Contactless payment acceptance on any NFC enabled mobile phone, tablet or kiosk hardware running Android – for both VISA payWave and MasterCard payPass; and also accepts Android Pay, Samsung Pay and Apple Pay payments:


Agency Banking

A complete set of transaction banking services in a single platform providing all ATM transactions, convenience fees, referral fees, cashflow management and performance reporting. Grow your customer base and scale their reach with onboarding, card activation, pin change and secure over-the-counter transactions:

Payments Made Simple

Accept card and cardless payments issued by any financial institution in whatever form – International schemes or local debit card – using a single low cost terminal.  Integrate into your own mobile app or use our white label application to get started quickly.

Learn more about Industry Solutions

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