# Smart Fintech — Payment Provider

Smart Fintech is a Bucharest-based open banking provider authorised by the National Bank of Romania. Its SmartPay product lets businesses collect account-to-account payments by open banking initiation via online checkout, invoice payment links/QR codes, mobile apps, email/SMS and chat, and also lets businesses initiate bulk payments from their financial software. Its Smart Accounts product is an API that delivers bank balances and transactions in a standardised format for reconciliation and treasury management. The company says it covers the top 13 Romanian banks.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Romanian businesses and software platforms (invoicing, ERP, eCommerce, lending, utilities, insurance) that want to add open-banking account-to-account payments or bank account data to their own apps.
- **Settlement time:** Banii ajung în contul tău în mai puțin de 10 secunde, chiar și la plățile interbancare, din tot mai multe bănci.
- **Categories:** infrastructure, regional
- **Countries served:** 1 (RO)
- **Payment methods:** open_banking, payment_link, qr_code

## Legal & compliance

Legal entities:
- SMART FINTECH S.R.L. — Romania — licenses: Payment Institution, RO, BNR

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/smart-fintech#compliance.


Canonical page: https://paymentproviders.io/providers/smart-fintech

---
**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)