Smile & Pay

Smile&Pay is a French payment institution that provides card acceptance for professionals. Its offer includes countertop and mobile payment terminals, a Tap to Pay app that turns a phone into a payment terminal on iPhone and Android, terminal connection to cash register software, and features such as tip management, meal voucher acceptance, payment links and terminal fleet management.

Customers are professionals in retail, restaurants, events, craft and personal services, and associations. Pricing is subscription-free with a percentage-plus-fixed-fee per transaction; the site lists a rate from 0.49% + €0.05 and states that activation applies from €10,000 of monthly takings.

The company was founded in 2007 and is registered in Nanterre, France, with its head office in Neuilly-sur-Seine. It states that it has operated since 2015 and is approved as a payment institution by the Banque de France via the ACPR. The website cites more than 40,000 professional clients.

Product: Card payment terminals, Tap to Pay mobile app and cash register integration for merchants, with funds paid out to the merchant's bank account within 24 business hours.