Frequently asked questions

SmartPay is a payment platform built for Gambian businesses and freelancers. You can send invoices, accept payments via Wave, Afrimoney, QMoney, APS, Visa, Mastercard and bank transfer, locally and across borders, and withdraw your balance whenever you like.

Yes, free forever. Unlimited invoices with your own logo and branding, in GMD or any major currency, with no monthly fee. Every invoice includes a built-in payment link.

Using the platform is free, no monthly fees, no setup costs, no minimums. Payment processing fees 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.

Wave, Afrimoney, QMoney, APS, Visa, Mastercard, bank transfer, and the USDC and USDT stablecoins. SmartPay-to-SmartPay transfers are free and instant.

Payments land in your SmartPay balance in seconds. Payout speed depends on the method: mobile money typically arrives in about 30 minutes, bank transfers the next day, and stablecoin payouts are instant.

No. Clients simply open your invoice or payment link and pay with whichever method suits them, no signup required.

Yes. You can invoice in any major currency, and international clients can pay by card. Funds are converted and settled to your balance automatically.

Create a free account, setup takes about 3 minutes, with no paperwork. You can send your first invoice right away.