Smart-T Côte d'Ivoire

What Smart-T Côte d'Ivoire does

Smart-T Côte d'Ivoire is an Ivorian fintech and enterprise software company founded in 2016 and headquartered in Abidjan, operating as a subsidiary of the Smile technical integrator group. The company's primary product is Smart Pay, an electronic payment gateway purpose-built for the UEMOA zone (West African Economic and Monetary Union) with planned expansion into the broader CEDEAO/ECOWAS region. Smart Pay is delivered through three surfaces: Smart Pay Commerce Physique for point-of-sale merchant payments independent of mobile operator, Smart Pay Facturiers/E-commerce for remote invoicing and online commerce, and Smart Pay Intégration API for embedding payment collection and issuance into clients' own enterprise information systems. The technology stack combines ESB architecture, API management, Blockchain, and AI-based fraud detection, supported by Big Data infrastructure inherited from Smile.

Beyond payments, Smart-T has deployed six management software products covering HR, insurance, CRM, and ACS functions in both web and mobile form factors. The company employs a team of 80 web and mobile developers, with 20% of its budget dedicated to R&D, and is led by co-founder Patrick Kouassi with Stéphane Ouattara as Technical Director. Revenue is generated through three streams: transaction-based fees from payment processing, professional services for API integration, and subscription/license revenue from the management software suite. Go-to-market is direct B2B sales via the corporate website, phone, and email, targeting merchants, e-commerce businesses, and enterprise integrators across the UEMOA zone. The company is privately held with no external funding rounds disclosed and no publicly available revenue figures.

Name

Smart-T Côte d'Ivoire

Legal name

Smart-T Côte d'Ivoire

Website

https://smart-intl.net

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Smart-T Côte d'Ivoire is an Ivorian fintech and enterprise software subsidiary of Smile, building Smart Pay, an electronic payment gateway for the UEMOA zone, and management software for HR, insurance, CRM, and ACS functions.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

Developer Tooling & SDKs for Payments (Gateway Tooling) (FSAMACAL)

akta.pro secondary industries

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), A2A Bill Pay & eInvoicing (Open Banking Enabled) (FSAMAFAL)

Keywords

• Electronic payment gateway
• Payment processing services
• Business management software
• API payment integration
• UEMOA payment solutions

Headquarters

HQ city

Abidjan

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Payment Processing Fees: Transaction-based fees from Smart Pay payment gateway services for physical merchants and e-commerce businesses in the UEMOA zone
2. API Integration Services: Integration services for businesses connecting to Smart Pay API for payment collection and emission
3. Management Software Licenses/Subscriptions: Revenue from six deployed management software products (HR, Insurance, CRM, ACS, etc.) in web and mobile versions

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Smart-T Côte d'Ivoire develops and operates Smart Pay, an electronic payment gateway that enables merchants, e-commerce businesses, and enterprises across the UEMOA zone to process electronic payments via physical commerce, remote invoicing/e-commerce, and API integration. The company also offers six deployed web and mobile management software solutions covering HR, insurance, CRM, and customer service (ACS) functions, supported by ESB architecture, API management, Blockchain, and AI-based fraud detection.

Product overview

Smart-T Côte d'Ivoire offers Smart Pay, a unified web and mobile payment management platform consisting of multiple integrated modules: the core Smart Pay Passerelle de Paiement électronique payment gateway for UEMOA zone transactions; Smart Pay Commerce Physique for physical merchant point-of-sale payments; Smart Pay Facturiers/E-commerce for remote invoicing and e-commerce payments; and Smart Pay Intégration API for connecting to customer information systems. The platform is built on technologies including ESB, API Manager, Blockchain, and AI fraud detection. The company has also deployed six ERP-type management software solutions covering HR, insurance, CRM, and ACS. Smart-T benefits from the technical expertise of its parent company Smile.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Pay: Electronic payment gateway solution for physical commerce (Smart Pay commerce physique), e-commerce/invoicing (Smart Pay Facturiers/E-commerce), and API integration (Smart Pay Intégration) serving the UEMOA zone.

Products and services

• Smart Pay Electronic Payment Gateway (Smart Pay Passerelle de Paiement Électronique) Core electronic payment gateway platform enabling merchants and customers in the UEMOA zone to process electronic payments. Developed in Côte d'Ivoire for the UEMOA region with planned expansion to CEDEAO, supporting physical commerce, e-commerce/invoicing, and API integration scenarios.
• Smart Pay Physical Commerce (Smart Pay Commerce Physique) Physical merchant payment solution enabling rapid point-of-sale electronic payments regardless of the customer's mobile operator in the UEMOA zone.
• Smart Pay E-commerce/Invoicing (Smart Pay Facturiers/E-commerce) Remote payment processing and invoicing solution enabling businesses to securely collect payments at a distance for e-commerce and invoicing transactions.
• Smart Pay API Integration (Smart Pay Intégration API) API integration service that connects to the customer's own information system (SI) to enable electronic payment collection and issuance within enterprise systems.
• Management Software Suite — HR, Insurance, CRM, ACS (Progiciels de Gestion) Six deployed web and mobile management software solutions covering human resources (RH), insurance, customer relationship management (CRM), and customer service (ACS) functions for organizations.

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

One partnership is on record.

• SmilecoreTechnology or IntegrationSmile is the technical partner of Smart-T Côte d'Ivoire. The Ivorian subsidiary benefits from Smile's technical expertise and infrastructure, including secured data storage (Big Data) capabilities. Smile provides the technical backbone supporting Smart-T's payment solutions and management software offerings.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PayDunya: Senegal-based payment gateway serving Senegal, Côte d'Ivoire, and other UEMOA countries with API-first payment processing. Closest head-to-head regional competitor to Smart-T in the Francophone West African gateway market.
• DLocal: Emerging markets payment processor (Latin America, Africa, Asia) providing one-stop API-based payment collection and disbursement for global merchants. Comparable business model to Smart Pay's API-first payment integration approach.
• CinetPay: West African (Côte d'Ivoire-based) payment gateway serving Francophone Africa with online payment, mobile money, and API integration — directly comparable geography, customer base, and product surface to Smart Pay.
• Paystack: Nigerian-origin payment gateway (now part of Stripe) providing API-based payment processing for African merchants and businesses. Closest peer on technology architecture and target customer (developers and SMEs).
• Flutterwave: Pan-African payment gateway offering API-based payment collection, invoicing, and merchant acquiring across multiple African countries. Most direct functional comparison to Smart Pay's API-first payment gateway model.

Broad incumbents

• Thunes: Global cross-border payments network connecting mobile wallets, banks, and payment service providers across emerging markets including Africa. Comparable on enterprise-grade payment infrastructure and developer-facing APIs.
• Interswitch: Largest Nigerian-founded African digital payments and commerce company operating payment switching, processing, and merchant acquiring across multiple African markets. Competes broadly with Smart-T in UEMOA payment processing.
• Onafriq (formerly MFS Africa): Pan-African digital payments hub connecting mobile wallets, banks, and merchants across 40+ African countries. Competitor on cross-border payment interoperability relevant to Smart-T's UEMOA-to-CEDEAO expansion.
• Cellulant: Pan-African digital payments platform providing payment processing, mobile money, and banking API infrastructure across multiple African markets. Competes with Smart Pay on enterprise payment integration and cross-border capabilities.

Emerging players

• Wave: Mobile money operator rapidly expanding across West Africa (including UEMOA countries) with low-fee consumer and merchant payments. Represents the mobile money competitive threat facing Smart Pay's merchant acquiring business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Smart-T-100068567962477

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Smart-T Côte d'Ivoire