Smart Payment Technologies
- Company typePrivate
- Founded2003
- HeadquartersLoughborough, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Smart Payment Technologies firmographics
Firmographics- Name
- Smart Payment Technologies
- Legal name
- Smart Payment Technologies Ltd
- Website
- https://smartpaytech.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Smart Payment Technologies industry classification
Industry- Product category
- Payment Processing Software & Gateway Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
Keywords
Where Smart Payment Technologies is headquartered
LocationHeadquarters
- HQ city
- Loughborough
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Smart Payment Technologies business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure
Revenue model
- Payment Hardware Sales: Sale of payment terminals, devices and accessories including PAX, Verifone, Ingenico devices. Over 200 device combinations available.
- Gateway and Software Services: G8 payment gateway platform providing payment processing, transaction management, and integration services. Subscription-based model for platform access.
- Managed Services: Maintenance and support plans including proactive monitoring, rapid repair and swap-out services, estate management. SLA-driven service contracts.
- Professional Services: Solution development consulting, implementation services including device configuration, key injection, installation and project management.
- Acquiring Services: Highly customisable merchant acquiring solutions including bespoke acquiring and Payfac support for merchant onboarding.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Custom enterprise pricing based on requirements |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Smart Payment Technologies product offering
Product offeringCore offering
Smart Payment Technologies delivers integrated payment processing software and hardware for complex multichannel transactions. Its proprietary G8 Payment Platform unifies in-person, self-service, in-app, and online payments with offline resilience, auto-retry, and multi-currency support, sold alongside certified payment hardware from PAX, Verifone, and Ingenico, plus professional and managed services. The company targets enterprise customers in retail, hospitality, transportation, EV charging, aviation, and unattended sectors across 57 countries.
Product overview
Smart Payment Technologies operates as a platform-plus-modules architecture providing omnichannel payment solutions. The core G8 payment gateway platform serves as the central engine, available in multiple deployment variants including G8-Cloud (retail), G8-Ground (transport/EV charging), G8-Air (in-flight), G8-Vending, G8-Standalone, and G8-Backup Solution. These gateway modules are complemented by solution categories covering Fixed Lane, Mobile, Self-Service, Ecommerce, and Acquiring Services, supported by professional services including Solution Development, Implementation, Estate Management, and Compliance & Security. The platform supports over 200 device and gateway provider combinations, enabling payment acceptance across multiple channels, environments, and deployment models with PCI P2PE-certified security.
Differentiator
Problem solved
Functional benefit
Brands
- G8 Payment Platform: In-house payment platform providing flexible hardware and gateway architecture, offline payment capability, auto-retry functionality, multi-currency support, and white-label customization for merchants and ISVs.
- SPT (Secure Payment Transactions)
Products and services
- G8 Payment Gateway In-house omnichannel payment platform providing flexible hardware and gateway architecture with offline payment capability, auto-retry functionality, multi-currency support, deferred authorization, enterprise-grade tokenisation, and white-label customisation for partners and merchants.
- G8-Cloud Cloud-based payment solution for retail environments offering incremental authorisation and instant fund reversal upon transaction completion.
- G8-Ground Payment solution tailored for ground transportation services including EV charging, parking, and transport ticketing, with offline capability and acceptance rates above 97.3%.
- G8-Air In-flight payment solution for onboard retail operations at 35,000 feet, designed for aviation environments with limited connectivity.
- G8-Vending Payment solution for vending machines supporting card payments for both retrofitting existing machines and new unattended deployments.
- G8-Standalone Standalone payment processing solution for secure transaction handling in environments without network connectivity.
- G8-Backup Solution Backup payment solution ensuring business continuity during payment interruptions to prevent lost sales.
- Acquiring Services Merchant acquiring solutions including bespoke acquiring with competitive rates across multiple verticals and MCC codes, plus Payfac support for rapid merchant onboarding, sold to merchants and partners.
- Solution Development Services Expert payment consultants designing, optimising, and future-proofing payment infrastructure with access to technical subject matter experts and partnerships with leading hardware and software providers.
- Implementation Services Payment system configuration, testing, and installation including UK, US, and EU warehousing, device configuration, key injection facility, encryption management, and API-driven ordering.
- Estate Management and Support Services Ongoing maintenance and support including proactive monitoring, technical troubleshooting, rapid issue resolution, and estate management covering 75,000+ contracted devices across retail, hospitality, transportation, and unattended sectors.
- Compliance and Security Services End-to-end encryption, tokenisation, fraud prevention, and compliance management including PCI-DSS, PCI-P2PE, PCI PIN, and EMV compliance with a dedicated in-house compliance team and ISO 9001 quality management certification.
Quantifiable outcome
- 97.3%+ acceptance rates through auto-retry and debt collection capabilities for offline/transportation payments
- +3 more outcomes
Companies that use Smart Payment Technologies
Customer profileNamed customers18 records
Segments7 records
Ideal customer profiles3 records
Smart Payment Technologies technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature11 records
Smart Payment Technologies partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Castles TechnologycoreStrategic partnership integrating Castles' PCI P2PE-certified hardware platforms into Smart's G8 payment gateway. Targets EV charging, hospitality, retail, and unattended services sectors. Enables offline payment capabilities and auto-retry functionality, ensuring business continuity during internet outages. Supports international expansion with multi-currency support and simplified ISV onboarding.
- MedoccoreStrategic partnership bringing together SPT's G8 payment gateway with Medoc's market-leading retail ePOS and zTSM analytics solutions. Combines rapid, secure payment capabilities with cutting-edge business intelligence for seamless, scalable retail experience. Features enterprise-grade tokenisation, real-time insights, lightning-fast transactions, and offline capability.
- Data ClaritycoreStrategic partnership for aviation retail technology combining SPT's G8 payment gateway with Data Clarity's award-winning retail and analytics solutions. Enables seamless, scalable, intelligent retail experience both in-flight and on-ground. Features global scalability, offline capability, and enterprise-grade tokenisation.
Scale indicators9 records
Recent moves18 records
Expansion highlights6 records
Smart Payment Technologies competitors and assessment
Company assessmentBroad incumbents
- Stripe: Dominant integrated payment processor with extensive developer-first APIs for online and in-person payments. Competes with SPT for enterprise omnichannel contracts and developer mindshare.
- Ingenico (Worldline): One of the largest payment terminal and integrated payments providers globally, now part of Worldline. Competes with SPT across hardware distribution, gateway, and acquiring services for enterprise merchants.
- Fiserv: Large-scale US-headquartered payment processor and merchant acquirer with Clover hardware/software platform. Competes with SPT in retail and hospitality integrated payments, particularly as SPT expands into the US.
- Worldpay: Large-scale global payment processor and acquirer offering integrated payment solutions for enterprise merchants. Provides direct competition to SPT in retail, hospitality, and omnichannel verticals.
- Adyen: Global unified commerce platform serving enterprise merchants with integrated online, in-person, and platform payments. Competes with SPT for large enterprise omnichannel mandates (Harrods, Starbucks-tier accounts).
Direct peers
- Verifone: Global payment terminal manufacturer and integrated payment solutions provider. Verifone competes directly with SPT in hardware sales, gateway services, and vertical-specific omnichannel deployments (retail, hospitality, transport).
- Castles Technology: PCI P2PE-certified payment terminal provider with whom SPT announced a strategic partnership in January 2026 to integrate hardware into the G8 platform. Operates as a peer across EV charging, hospitality, retail, and unattended verticals.
- Dojo (Paymentsense): UK-based integrated payment solutions provider offering card machines, online payments, and software integrations to SMB and mid-market merchants. Competes with SPT in the UK hospitality and retail segments.
- PAX Technology: Major payment terminal manufacturer whose devices SPT distributes. PAX increasingly competes upstream with its own integrated payment solutions, making it both a supplier and a competitor to SPT.
Emerging players
- SumUp: Integrated payment solutions provider targeting SMBs with mPOS terminals and omnichannel acceptance. Overlaps with SPT on mobile payments and unattended segments, particularly across European markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Smart Payment Technologies social profiles
Digital presenceSmart Payment Technologies compliance and trust
Trust signalCompliance5 records
Smart Payment Technologies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Smart Payment Technologies leadership team
Management profileNumber of profiles
Profiles7 records
Smart Payment Technologies subsidiaries and ownership
Company hierarchySubsidiaries2 records
Smart Payment Technologies funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Smart Payment Technologies M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Smart Payment Technologies
What does Smart Payment Technologies do?
Smart Payment Technologies delivers integrated payment processing software and hardware for complex multichannel transactions. Its proprietary G8 Payment Platform unifies in-person, self-service, in-app, and online payments with offline resilience, auto-retry, and multi-currency support, sold alongside certified payment hardware from PAX, Verifone, and Ingenico, plus professional and managed services. The company targets enterprise customers in retail, hospitality, transportation, EV charging, aviation, and unattended sectors across 57 countries.
Is Smart Payment Technologies a public or private company?
Smart Payment Technologies is a private company. It is classified as private equity controlled and is currently operating.
When was Smart Payment Technologies founded?
Smart Payment Technologies was founded in 2003. It employs 51 to 100 people.
Where is Smart Payment Technologies based?
Smart Payment Technologies is headquartered in Loughborough, United Kingdom, in the Europe region.
How does Smart Payment Technologies make money?
Five revenue lines are on record. Payment Hardware Sales are the primary driver. The others are gateway and Software Services, managed Services, professional Services and acquiring Services.
Who are Smart Payment Technologies's main competitors?
Broad incumbents on record are Stripe, Ingenico (Worldline), Fiserv, Worldpay and Adyen. Direct peers are Verifone, Castles Technology, Dojo (Paymentsense) and PAX Technology. SumUp is listed as an emerging player.
Does Smart Payment Technologies have an API?
No public API is recorded for Smart Payment Technologies.
What industry is Smart Payment Technologies in?
Smart Payment Technologies's product category is Payment Processing Software & Gateway Platform. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 52232.