How much does it cost to use Smartpay?

Smartpay is a free service offered by stores to shoppers - there are no upfront fees or settlement fees charged, nor do shoppers incur any interest or late fees.

If Smartpay is unable to successfully process the scheduled payments, and you didn't log in to your Smartpay account to settle your payment through a different payment method, Smartpay will temporarily pause your account for future orders until the balance gets settled.