# Smile&Pay — Payment Provider

Smile&Pay is a French payment institution authorised by the ACPR that provides card payment acceptance for merchants, artisans and independent businesses. Its products include the Super Smile countertop terminal, which integrates with POS systems, the Smart Smile mobile terminal, and Tap to Pay on iPhone and Android phones. It also offers remote payments through payment links, QR codes and e-commerce. Other features include tips, meal-voucher acceptance, deposits and rentals, terminal fleet management, and integrations with POS software such as Lightspeed, Tactill and Planity.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment
- **Fees:** From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume
- **Fee model:** flat-rate
- **Settlement time:** Instant to 24 business days
- **Categories:** traditional
- **Countries served:** 1 (FR)
- **Payment methods:** cartes_bancaires, contactless, credit_card, debit_card, payment_link, pos, qr_code, voucher

## Legal & compliance

Legal entities:
- SMILE & PAY — France — licenses: Payment Institution, FR, ACPR

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/smile-pay#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=smile-pay&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/smile-pay

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**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)