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An Egyptian B2B and B2C payment ecosystem connecting consumers, merchants, and business operations.
SmartPay is an Egyptian fintech platform serving consumers, merchants, businesses, and service providers. It combines everyday payments with merchant acceptance, online payments, payroll, and cash collection. The company reports 5,000+ merchants and 10M transactions across its ecosystem.
What they are building
SmartPay is expanding a unified payment layer across consumer and business payment flows. Its cash-collection network offers 4,000+ partner branches, live tracking, API access, automated reconciliation, and settlement options from same day to T+2.
Why it matters
Founders
Founder, Chairman and CEO of SmartPay, an Egyptian fintech company building digital payment, collection and merchant solutions for consumers and businesses. He holds a bachelor’s degree in Business Administration and Management from Zagazig University and has led SmartPay’s development from a bootstrapped startup into a broader payments ecosystem.
How it works
Consumer payment or business collection
Via app, gateway, or partner branch
SmartPay records each transaction
Live dashboard and API provide visibility
Same Day, T+1, or T+2 options
Traction
300+ payment services
14+ governorates
18+ regional partners
Transaction visibility for businesses
Business transaction matching
Market timing
Consumers expect one place for daily payments, while businesses need visibility from collection to settlement and less manual reconciliation. SmartPay connects both sides through one B2B and B2C platform across Egypt.
Product overview
Consumers can pay bills, recharge mobile services, settle utilities, government fees, school and university fees, subscriptions, donations, gaming credits, and installment dues. Businesses can use payment acceptance, payroll, an online gateway, and cash collection with tracking, reconciliation, and settlement tools.
Key highlights
Quick facts
B2B + B2C
Financial Technology
Growth Stage
2019
Egypt
Market presence
Media
Materials
Editorial
SmartPay began as a bootstrapped venture during COVID-19, when safer and more flexible payment methods became essential. It then developed a broader platform serving consumers, merchants, and businesses.
The consumer app covers everyday payment needs. The business layer connects payment acceptance, cash collection, payroll, reporting, reconciliation, and settlement. Together, they form a connected B2B and B2C operating model.
Company-reported transaction, merchant, branch, service, and partner reach gives SmartPay an operating base for growth. The investor question is how efficiently the company can deepen merchant usage, increase service adoption, and expand with discipline.
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