An Example of a Transaction

To use SmoothPay to pay at a participating location, show your unique QR code to our terminal. Once your payment is processed, you will receive an in-app receipt on your device. In addition, you will receive an email receipt for your records.

At each SmoothPay transaction the credits are automatically deducted from the total purchase amount and your credit card is billed for the difference.

For example a first-time credit is automatically redeemed:
  • A coffee shop offers $2 credit for your first visit. 
  • You buy a drink that (after tax) totals $3.75 
  • After deducting the $2 credit - Your credit card is billed $1.75 

  It works the same way for the loyalty rewards:
  • A coffee shop offers a reward of $3 credit after you spend $20.
  • You frequent this location and achieve $20 in spend
  • The next transaction, you buy a latte that (after tax) totals $3.75
  • After deducting the $3 loyalty reward - Your credit card is billed $.75

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