SmartPay = Smart Sales

SmartPay is a lease-to-own payment plan that lets your customers get the devices they want today and pay for them over time. And that means increased sales and higher-priced items being sold in your stores.

Customers fill out our simple online application in-store or on their mobile device to get an instant decision.

High approval rates over 60%.

If approved, customers shop right away for the items they want in your store.

Store associates collect the first payment and complete check out.

Customers make fixed payments automatically with their debit card.

When they make all the payments in their plan, they own everything.

No long-term contract. Customers can return products anytime.

With Early Payoff, customers can own their items early and save on total fees paid.

Who is the

SmartPay Customer?

18+ years old

Bank account with debit card

$1000 monthly income before taxes

Social Security number or ITIN

SmartPay customers can get approved to shop for up to $2000 of devices and accessories, then make monthly, twice monthly, or every other week payments.

When a customer applies for SmartPay and is approved, they get an individual offer comprised of:

An Approval Amount from $100* to $2000

A Payment Plan from 6 months to 24 months

An Early PayOff “Buyout” Option up to 90 days

An Upfront Amount from as low as $0 up to 25% of the purchase amount

A Payment Frequency and Amount where customers can choose to pay the amount of their fixed payment monthly, every two weeks, or twice-monthly.

This information is presented in the SmartPay application on the approval screen as an “Amount” and “Plan” and all store associates need to do is review the information with the customer.

The early payoff “BuyOut Option” lets customers own their merchandise early—in 30, 60, or 90 days. Every customer is offered one early buy-out option, with a buy-out as low as 3.5% of the total purchase amount. The price of the buyout option varies by offer.

* Minimum purchase amount is $50.

A LG Optimus F3 becomes affordable with SmartPay

Offering SmartPay is easy!

Setting up SmartPay with your business is fast and seamless. As a SmartPay partner, you’ll have a dedicated online Dashboard where you can manage your business, stores, and payment information and track your transaction history with SmartPay.

To get started, just:


Send us an email.


Set up your Dealer Dashboard with your:

  1. Contact and business information
  2. Stores that will offer SmartPay
  3. Payment option (how we pay you for transactions)

Display marketing materials provided by your SmartPay Field Sales Manager to promote Smartpay.


Start accepting SmartPay transactions.

For SmartPay transactions, you have two payment options:


Daily bank account settlement (recommended)

At the end of each business day, we electronically send you the total amount of SmartPay transactions to your linked bank account(s).

  • FREE - no fees charged
  • No extra steps for store clerks
  • Fund transfers final in 3-5 business days

Virtual credit card (for in-store only)

After each transaction, your store clerk processes each transaction amount at the register with a 16-digit virtual credit card number.

  • Standard interchange fees apply
  • More work for store clerks
  • Fund transfer immediate
  • No reconciliation – processed as any other credit card transaction

Here are just a few ways SmartPay can benefit your business:

SmartPay drives incremental sales.
Customers can afford more, so you sell more.

You're able to upsell higher margin items so transaction size increases.

Our individual lease payment plans cover the full spectrum of customers from great credit to less than perfect credit. This opens the door for many more customers to make larger purchases.

Creates customer loyalty and retention with an alternative payment option.

We can provide marketing collateral so you can advertise Smartpay in your store or online.