SmartBillsAccept cash.
Pay any bill. Instantly.
SmartBills turns any shop, agent or branch into a bill-payment point. Take cash over the counter and settle electricity, DStv, funeral cover, water and school fees in seconds — cleared straight through ZB Bank.
Everything an agent network needs
From the cashier taking cash at the counter to the head office reconciling float — SmartBills runs the whole operation.
Multi-tenant by design
Onboard firms, their branches and cashiers. Every user sees only their own data — enforced at the database, not just the UI.
Prepaid wallets & float
Each branch runs on a prepaid wallet. Top up, transfer between branches, and never spend beyond the settled balance.
Settlements & reconciliation
Daily settlement reports and end-of-day reconciliation so the books balance to the cent, automatically.
Refunds & escalations
Raise a refund, track the escalation with the bank or biller, and credit the wallet only on confirmed recovery.
Live analytics
Volume, success rates and value by branch, cashier, biller and day — for the firm and the whole platform.
KYC & compliance
Identity capture and review built in, with App Check / Play Integrity protecting every request to the platform.
Billers your customers already use
A single counter for the bills people pay every month — with more added all the time.
Three steps, counter to confirmation
Customer pays cash
The cashier picks the biller, enters the account or meter, and takes the cash over the counter.
SmartBills clears it
The payment is validated and settled through the ZB Bank gateway in real time — the branch wallet is debited once.
Receipt & token issued
The customer walks away with a printed receipt and token. Head office sees the transaction and float update instantly.
Built for the realities of the field
Indeterminate payment? The money is held, not lost — the sale becomes a tracked case until the bank confirms the outcome, so customers and agents are protected.
Works on low-end Android tills, prints to thermal receipt printers, and keeps running on patchy connections.
On the till, on the phone, on the web
Cashier app
Android till app for taking payments, printing receipts, end-of-day reconciliation and customer lookup.
Firm portal
Web console for firm and branch admins — branches, team, wallets, transactions, settlements and analytics.
Platform admin
Operator console for firms, products, top-ups, KYC review, broadcasts and platform-wide analytics.
Turn your counter into a payments business
Join the SmartBills agent network and start accepting bill payments today.