Get paid.
Smartly.
The payment platform built for Gambian businesses and freelancers. Accept Wave, Visa, Afrimoney, QMoney & APS — locally and across borders.
Includes a free invoice generator — unlimited invoices, no monthly fee.
Generate professional invoices in seconds with built-in payment links.
A free invoice generator built for The Gambia
Create unlimited professional invoices with your own logo and branding — in GMD or any major currency. Attach a payment link and your client pays by Wave, Visa, Afrimoney, QMoney or APS in seconds.
The whole platform is free to use. Your customer covers the processing fee, and SmartPay only charges 1% when you request a payout.
Everything you need to run a modern business
Local & international
Accept GMD and major currencies. Serve customers in Gambia and across the globe from one account.
Instant settlement
Money moves fast — real-time payouts with automatic reconciliation and phone notifications.
Bank-grade security
End-to-end encryption on every transaction. PCI-DSS compliant infrastructure.
Free invoicing
Generate unlimited professional invoices in seconds with built-in payment links — free, forever.
Real-time analytics
Live dashboards show exactly where your money is, by channel and period.
Auto reconciliation
SmartPay matches every incoming payment to the right invoice — no spreadsheets.
Invoice D10,000, receive D10,000
The platform is free to use — no monthly fees, no setup costs, no minimums. The processing fee is added to your customer's total, so your invoice arrives whole. SmartPay's only charge is 1% when you request a payout.
Rates above are added to your customer's total at checkout, so the full invoice amount reaches your balance. SmartPay charges a flat 1% only when you request a payout — holding a balance costs nothing.
Built for every Gambian business
Small businesses
Freelancers
Enterprises
Ready to get paid smartly?
Set up your account in 3 minutes — no paperwork, no waiting. Invoicing is free, forever.