SmarterPay Cloud

Manage all your customer payments in one place.

Login safely and securely from any web browser.

SmarterPay Cloud is a unique payment platform that allows you to make and receive payments. SmarterPay Cloud also provides seamless integration between your systems and a growing number of payment schemes. This enables you to make payments to suppliers and staff whilst at the same time, collecting revenue from your customers.

Key features include:

Access via any web browser
Secure login with multi-factor authentication and/or memorable word verification
Complex password with configurable reset protocol
IP Whitelisting
Configurable access and approval permissions
User Dashboard
Automated inactivity log-out
Help manual

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Bacs Features

SmarterPay Cloud can be used either as a replacement for your On-Premise software or as a contingency service to support it. You can submit Bacs payment files for your Direct Debits and Direct Credits and unlike our On-Premise software, you don’t need smartcards, card readers or to install any software – instead, all you need is a web browser.

It is incredibly easy to upload a Bacs file into SmarterPay Cloud, with no compromise of safety or security.

Key features include:

Manual file upload
Automated SFTP managed file upload
File mapping tool
User-prompt notifications
Modulus Checking (Bank account and sort code validation)
Account name verification using AIS
Processing date validation

Alternatively, our API can call into your billing platform to automatically uplift and process payments for you.

Bacs File Submission

Files are approved and submitted depending on user access permissions and there is no need for smartcards and card readers. Once the file is uploaded, a prompt will be sent to the person/s required to authorise the submission. Once submitted, the file is encrypted and sent to Bacs using our Hardware Security Module (HSM).

Reporting

You can access your Bacs reports either within SmarterPay Cloud or via the Bacs website. Alternatively, you can subscribe to webhooks that will automate transaction-level reporting back into your billing platform.

Card Payment Processing

The card payment processing tool can connect to any Payment Gateway Service, delivering Level 1 PCI DSS compliance.

SmarterPay Cloud facilitates single or continuous authority payments.

We can provide you with the payment facility to take card payments either MOTO via link or online. In either case, you will require a merchant account with a Payment Service Provider (PSP). We partner with and recommend Elavon Opayo, however, our integrated card payment services will connect with any Payment Gateway.

The Opayo Payment Gateway, is fully DSS (Payment Card Industry Data Security Standards) compliant. This means that transactions are encrypted to the highest global standards. Opayo payment systems are monitored and audited regularly by a world-leading, Qualified Security Assessors (QSA) so you can be confident that the services are completely secure.

The card payment processing tool can connect to any Payment Gateway Service, delivering Level 1 PCI DSS compliance. SmarterPay Cloud facilitates single or continuous authority payments.

When you need extra security with payments over the phone you can install our Telephone Payments application. Used together, card payments and Direct Debits give you a unique and flexible way to manage your regular customer payments.

Used together, card payments and Direct Debits give you a unique and flexible way to manage your regular customer payments.

Direct Debit Management

Smarterpay Cloud’s Direct Debit Management Solutions (DDMS) gives you full control of the Direct Debit lifecycle. From sign-up to mandate creation, right through to managing payment schedules, ongoing collections, represents, account updates and cancellations. The API extends to allow full integration and extends to webpage sign-ups.

Key features include:

Direct Debit set-up
Mandates and branded notifications
Modulus checking at point of set-up
Full integration
New instructions
Payment Schedules (including Data Validation)
Automated Submissions
Auto-account updates
Automated represents
Cancellations

Open API

A guide to the SmarterPay API can be found on the ‘Help’ homepage or on our WIKI, accessible via our Support webpage. The SmarterPay Cloud API is based on a REST service using JSON-formatted requests and responses and is only available over HTTPS.

To start using the SmarterPay Cloud API, you will require API credentials, which can be found within the SmarterPay Cloud Portal or from your SmarterPay representative. The API credentials are consumed, in each REST call, by providing it as a Bearer token in the Authorisation Header.

The “Content-Type” header must also be provided when sending data to the API, using POST and PUT methods, passing either standard JSON MIME type (application/json), or the JSON-API variant (application/vnd.api+json). All requests and responses are UTF-8 encoded. Providing the “Accept-Charset” header is optional, but recommended.

Webhook subscription is flexible so it will support users who either use the Bacs file submission tool and those using the full Direct Debit Management Solution.

Transparent pricing based on volume usage

Bacs Transactions – Standard service using your SUN

Fixed cost packages are available for high volume submissions
Minimum monthly fee £30
Excludes card transactions – payment gateway fees and merchant service fees will apply if using the card payment function. Favourable rates are available when using Opayo Gateway.