SmoovPay

Introduction to SmoovPay

SmoovPay is an online payment gateway headquartered in Singapore, with a presence in Malaysia and the Philippines. It empowers businesses of all sizes to accept card payments securely and efficiently across websites, mobile apps, and even in-person transactions using mobile devices. With a user-friendly setup, competitive pricing, and strong security features, SmoovPay is a practical choice for businesses in Southeast Asia seeking a straightforward and cost-effective payment solution.

Key Features and Benefits

Zero Setup and Monthly Fees

SmoovPay follows a transparent and accessible pricing model. There are no setup or monthly maintenance fees, making it ideal for startups and small businesses. Merchants are only charged when a transaction is successfully processed.

• No hidden costs

• Pay-as-you-sell model

• No monthly commitment required

Transparent Transaction Fees

SmoovPay charges a base transaction fee starting at 2.9% plus a flat fee of USD 0.25 (or the equivalent in SGD or local currency). This flat-rate structure is simple to understand and predict, helping merchants manage costs efficiently.

Multi-Platform Integration

The gateway supports payments on:

• Web-based platforms

• Mobile applications

• In-person transactions using mobile phones or tablets

SmoovPay’s technology allows businesses to accept card payments anytime, anywhere, without needing a physical terminal.

Strong Security Standards

SmoovPay uses industry-standard security protocols to safeguard customer information and transaction integrity.

• 3-D Secure Authentication: Ensures that transactions are verified through One-Time Password (OTP) validation, supported by Visa and MasterCard.

• PCI-DSS Compliance: Cardholder data is never stored on the merchant’s side, reducing the risk of data breaches and simplifying compliance requirements.

Simple Integration and Onboarding

Setting up a SmoovPay account typically takes around 15 minutes. The platform provides tools for both developers and non-technical users to get started quickly.

• API documentation

• Ready-to-use WooCommerce plugin

• Easy testing and staging environment for payment flow validation

Regional Strength and Mobile POS

Southeast Asia Focus

SmoovPay is particularly well-suited for businesses operating in Southeast Asia. It supports local currencies and banking institutions in Singapore, Malaysia, and the Philippines.

PayMe Mini POS

One of the unique offerings of SmoovPay is its mobile-based point-of-sale feature, PayMe Mini POS. It enables merchants to accept in-person payments using just a smartphone or tablet—no dedicated hardware or terminals are required.

• Ideal for food stalls, pop-up shops, and mobile service providers

• Card payments on-the-go with minimal friction

Merchant Dashboard Overview

The merchant dashboard is intuitive and packed with useful tools:

Account Management

• Manage business profiles

• Add and control access for multiple operators

• Track transaction performance and settlement activity

Withdrawal and Settlement

• Funds are disbursed monthly, typically on the first Friday of each month

• No fees are charged for withdrawals

• Merchants can view their current account balance and request payout if needed

Analytics and Promotions

• View sales and transaction history

• Create and manage discount vouchers

• Run card-specific promotions to boost sales and customer engagement

Integration Capabilities

SmoovPay is easy to integrate with both standard and custom-built e-commerce environments:

Ideal Use Cases

E-Commerce Stores

Online retailers can use SmoovPay’s WooCommerce plugin or integrate the gateway via API to enable secure, seamless checkouts on their websites.

Mobile Vendors and SMEs

SmoovPay’s mobile mini-POS system is perfect for merchants who sell offline or at pop-up events. They can process payments through their mobile devices without the need for hardware terminals.

Subscription Businesses

Recurring payments can be managed through wallet-based customer accounts, which streamline future billing and improve retention.

Security and Compliance

SmoovPay is designed to meet high compliance standards. Its use of 3-D Secure protocols and adherence to PCI-DSS help ensure that customer information remains safe and fraud risks are minimized.

Merchants benefit from:

• Reduced chargeback risk

• Lower data storage responsibilities

• Trust from customers through a secure checkout experience

Competitive Advantages

SmoovPay holds several advantages over both local and international competitors:

• Zero upfront or recurring fees: Many gateways charge setup or monthly fees—SmoovPay does not.

• Mobile POS capabilities: Few regional providers offer this feature without dedicated hardware.

• Quick onboarding: Minimal paperwork and simple KYC process.

• Localized expertise: Deep understanding of regional banking and regulatory environments.

Conclusion

SmoovPay is an agile, affordable, and regionally focused payment gateway designed for small to medium-sized businesses looking to streamline their card payment processes. With no setup or monthly fees, an easy integration process, mobile POS functionality, and strong security credentials, SmoovPay is a powerful addition to the Bilixe platform.