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Real-Time Payments Up to 75% lower Fees

SMEB Pay is the latest Open Banking technology allowing retailers, hospitality, and other markets to avoid high fees, receive Instant Payments avoiding cashflow issues while ensuring customer satisfaction.


Instant Payments

Our service bypasses the need for credit or debit cards, all the customer needs is a Banking App. They click the QR code and accept the payment, then funds instantly transfer to the retailer.


Total Security

Open Banking is a revolutionary new payment method requiring no cards. We basically connect two banks accounts and transfer funds securely and instantly. No potential for fraud.


SMEB Pay Features

SMEB Pay is the latest revolutionary Open Banking Payment solution. SMEB Pay is regulated as an agent. Payments are guaranteed. We offer our customers major new benefits.


Who We Are

SMEB Pay is the latest revolutionary Open Banking Payment solution. SMEB Pay has been built by a team with over 30 years Payments experience. We have built SMEB Pay and other services on the new Open Banking technology


Key benefits of SMEB Pay

No more need for cash or bank cards. ‘SMEB Pay’ is quick, cost effective and secure way to make payments on websites, apps or when you visit shops, restaurants and cafes. What’s more, SMEB Pay is fully regulated and compliant, so you have total peace of mind.



Leading the market with informative collateral, while pushing the boundaries with our White papers.



Explore career opportunities at SMEB. A career with us can offer incredible diversity, knowledge, development and reward. There is also the chance to learn from some of the best minds in technology and payments.


Supported by

SMEB Limited Registered office: The Old Stables, Hackwood Park, Basingstoke, RG25 2JZ. Registered in England and Wales No. 13137582.

SMEB Limited is authorised and regulated by the Financial Conduct Authority as an Authorised Payment Institution under the Payment Services Regulations 2017 for the provision of payment services (Firm Reference Number 984694).

SMEB is registered with the Information Commissioner’s Office (ICO) as a data controller. Registration number: ZB630021.

SMEB Pay is powered by SMEB Limited and Yapily Connect Limited. Yapily Connect Limited is regulated by the UK Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution to provide account information services and payment initiation services (Licence #827001). All logos and trademarks are property of their respective owners. Please visit for terms and privacy policy.

SMEB Limited is also a Principle member with VISA and Mastercard.