SmartPay

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SmartPay is a digital lifestyle service platform which facilitates users to manage their finances digitally. It facilitates peer to peer fund transfer from any bank to any bank using account number or Smartpay fund transfer QR, Pay to wide range of billers, scan any Lanka QR at any merchant location and receive Lanka QR and China Union Pay QR merchant payments.

SmartPay – Keep a tab on your finances

Convenience is the buzzword of the moment. Lifestyles are built upon it. When it comes to managing your day-to-day finances you don’t have to compromise your comfort zone any more. SmartPay gets things happening your way, with finger-tip convenience. It takes charge. It manages even your small change. Let it make a difference in your life. And, it costs you nothing!

Features

Enable to add any current or savings bank account as a payment instrument.
Complete any utility bill payments and payments for government services in a matter of seconds
Make fund transfers form any bank to any bank in real time.
Scan and pay at over 100,000 LANKAQR certified merchant outlets island wide using your own mobile device and without cash in hand
Scan and Pay to any LANKAQR printed on a utility bill or merchant invoice
Settle BOC Credit Cards quickly avoiding late payment charges
Make donations to charities and religious organizations regularly
Keep track of your day-to-day SmartPay transactions and get sharable e-receipts for successful transactions
Use your current or savings accounts to make direct payments without a debit card or cash withdrawn
Receive exciting cash-backs, discounts, and exclusive offers when they pay
Inquire your BOC Savings or Current account balances in real-time
Go through a mini statement of BOC savings & current accounts they entered
Be a LANKAQR and Chinese UnionPay International certified merchant receiving accurate, traceable, and secure digital payments

Secure your confidence with SmartPay

Highly reputed information systems security and audit services of the island have reviewed the entire SmartPay system ensuring its tight security measures. Rules, regulations and guidelines of the Central Bank of Sri Lanka and Lanka Clear (Pvt) Ltd have been duly complied with. Approved password policies and validation algorithms are being followed to secure your trust.

It’s easy to register

Download SmartPay App via Play Store or App Store
Sign up
Enter valid personal details to register
Enter the verification code that you receive
Create a 4-digit pin number
Answer security questions

How to add a payment tool

Select ‘Payment Methods’ from the menu
Click on ‘ADD NEW ACCOUNT’
Submit entering Account Type, Account Number and Nickname
Proceed to enter the randomly given amount. And, you are done!

How to add a Beneficiary Account

Select ‘Beneficiary Management’ from the menu
Click on ‘ADD Beneficiary’
Submit entering Your Bank, Account Type, Account Number and Account Nickname
Proceed to enter the “One Time Password” send to your registered phone number and, you are done!

How to add a Biller

Select ‘Biller Management’ from the menu
Click on ‘ADD Biller”
Select the category you need to pay the bill
Fill the required details and click “Submit” button
Verify the details appear in next screen and click “Confirm” button to proceed.

Select ‘My Shop” Icon from home screen
Fill ‘Merchant Registration’ form and enroll
Visit the nearest Bank of Ceylon branch and follow the SmartPay merchant application process
Enter the verification code you receive.

It’s that easy!

SmartPay Merchants Islandwide

» SmartPay Merchants Islandwide

SmartPay - Privacy Policy

SmartPay - Privacy Policy

FAQ

What is SmartPay?
SmartPay is a digital lifestyle app that facilitates users to earn, spend and manage their finances digitally.
Is SmartPay a Secure platform?
Highly reputed information systems security and audit services of the island have reviewed the entire SmartPay system ensuring its tight security measures. Rules, regulations and guidelines of the Central Bank of Sri Lanka and Lanka Clear (Pvt) Ltd have been duly complied with. Approved password policies and validation algorithms are being followed to secure your trust.
Is a bank involved with SmartPay?
Yes. SmartPay is by Bank of Ceylon.
Do I have to have an account at BOC to use SmartPay?
Anyone who is having savings or current account with enabled SMS alert facility in any Bank or Financial Institution can use the SmartPay App.
Is SmartPay compatible with any device?
SmartPay works on most Android, iPhone and Huawei mobile phones.
How to signup for SmartPay?
Simply download the App from the Apple App Store or Google Play Store or Huawei AppGallery, click on “Signup”, and follow the user-friendly steps to sign in.
What if I didn’t get One Time Password at the registration Process?
Please use “Resend OTP” option or still you didn’t receive please contact our call center 1975 to get assistance.
What are the applicable Transaction Limits?
Followings are the applicable limits for transactions

Transaction	Minimum Amount per Transaction limit	Maximum Per Transaction Limit	Per Day Transaction Limit
Bill Payment	10/-	50,000/-	200,000/-
Fund Transfer	10/-	50,000/-	200,000/-
QR Payment	10/-	50,000/-	200,000/-

Can SmartPay be used on a rooted or jailbroken device or when the device is on developer mode?
No, due to security requirements, the app will not be compatible on such devices.
How much space does the app consume?
Less than 100MB.
Are there any fees?
Yes, Followings are the detailed view.

Service	Fee
App Signup Fee	Free of Charge
Annual Service fee	Free of Charge
Bill Payments	Free of Charge
Utility bill payments (Waterboard, CEB & LECO)	Rs. 20/- per transaction
Merchant LankaQR payments	Free of Charge
Fuel Merchant LankaQR Payments	0.5% from transaction
Government Merchant LankaQR Payments	Rs. 10/- per transaction
BOC Credit Card payments	Free of Charge
Fund Transfer to BOC accounts	Free of Charge
Fund Transfer to Non BOC accounts	Rs. 30/- per transaction
Request Money using SmartPay QR	Free of Charge

Whom to contact for additional assistance?
Please contact our team via following communication methods.
Telephone:- 1975 (24x7 contact center support)
Whatsapp:- +94 77 772 1975
e-mail :- smartpay@boc.lk
Can I use SmartPay for my business?
Yes you can. If you the one who is the cashier point in your business go to SmartPay and make a request using “My Shop” option in the app and visit nearest branch to enroll with the LankaQR Facility.
Or
If your business has more than one cashier point, please visit nearest BOC branch to enroll corporate merchant facility.
What are the payment networks enabled with Merchant QR?
You can receive merchant payments from LankaQR payments and China UnionPay payments.
How merchant payment receive to your account?
All the merchant payments received to your account in real time.