Now live: Smart Pay SaaS Infrastructure →

Next-generation infrastructure for compliant financial connections.

Smart Pay LLC develops and manages SaaS solutions that connect financial institutions, PSPs, and corporate partners through secure APIs.

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★★★★★

Trusted by financial and technology partners

Integrated with leading financial and technology providers
Our infrastructure connects securely with licensed partners and best-in-class services.

Trusted by leading fintech and payment innovators in LATAM

Building the technological backbone for cross-border payments.

API Infrastructure

Connect your systems with regulated payment entities securely.

Treasury Automation

Manage cross-border flows with compliance-ready tools.

Compliance Framework

Integrated KYC/KYB and AML policy tools for partner platforms.

Helping you focus on what really matters

By providing a unified infrastructure for payments and treasury, Smart Pay helps financial institutions and PSPs focus on what they do best — serving their customers.

  • Secure API connections
  • Multi-jurisdiction integration
  • Non-custodial infrastructure
  • Scalable compliance support

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Smart features

All the tools you need

Easy to use

Made for everyone

99%

Uptime SLA across all API services

3+

Infrastructure hosted in LATAM

256-bit

Encrypted, non-custodial connections

100%

Compliance alignment with AML/BSA frameworks

Designed to scale securely as your business grows

Smart Pay’s SaaS infrastructure is built to support growing financial operations while maintaining compliance and reliability.

Whether you’re managing payments, treasury automation, or API integrations, our platform scales with your business — securely and transparently.

  • Designed to scale with partner volumes
  • Latest PHP support
  • Secure, encrypted data architecture
  • 100% TypeScript backend

Seamless Integration with your existing infrastructure

Our SaaS platform connects easily with third-party providers, accounting tools, and API-based payment processors.

  • AWS
  • Supabase
  • n8n workflows
  • Banking APIs (via licensed partners)

API-Ready Architecture

Easily connect your systems through secure REST APIs, enabling automated payouts and treasury management.

Compliance by Design

Built to support partners operating under AML, KYC and SAGRILAFT frameworks across multiple jurisdictions.

Scalable & Modular

Amplía operaciones y aliados sin cambios estructurales.

FAQs

Frequently asked questions

What is Smart Pay LLC?
Smart Pay is a technology company providing SaaS infrastructure for financial institutions and payment providers.
Does Smart Pay provide financial services?
No. Smart Pay LLC does not provide financial, banking, or exchange services. We act strictly as a Software-as-a-Service (SaaS) provider, offering technological infrastructure to licensed financial entities that operate under their own regulatory frameworks.
Who are Smart Pay’s partners?
Smart Pay collaborates with licensed financial entities, payment processors, and fintech companies across Latin America. Each partner operates independently and is fully responsible for compliance with local regulations (e.g., PSP/PSAV entities registered with financial authorities).
Is Smart Pay regulated or licensed as a financial institution?
Smart Pay LLC is not a regulated financial institution and does not require a money transmitter or financial license to operate, because its business model is strictly technological (SaaS).
Does Smart Pay hold funds?
No. Smart Pay is a non-custodial technology provider. All regulated financial services are performed by our licensed partners in each jurisdiction.
Does Smart Pay hold or process client funds?
No. Smart Pay LLC is a non-custodial infrastructure provider. We never hold, store, or move customer funds. All monetary transactions are performed directly by our regulated partners in their respective jurisdictions.
What jurisdictions does Smart Pay operate in?
Smart Pay’s technology infrastructure supports partners primarily in the United States, Colombia, and Latin America. All activities involving payments or funds are handled exclusively by regulated institutions in each country.
What kind of companies use Smart Pay’s platform?
Smart Pay’s platform is used by Payment Service Providers (PSPs), Virtual Asset Service Providers (VASPs/PSAV), and corporate partners that need secure and compliant API infrastructure to manage payments, treasury, or reconciliation processes.

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Ready to build your compliant payment infrastructure?

Let’s connect and explore how Smart Pay can support your operations.