The conversational payment engine for a multi-currency world.
SmartPayEngine combines a chat-first AI assistant with our proprietary Intelligent Reversal Engine — recovering refunds and chargebacks that legacy processors write off. Built for fintech founders operating the US–Africa corridor.
Trusted by builders and operators across the corridor
Cross-border payments still leak money.
- Refunds bounce, chargebacks default to loss, and customer support drowns in tickets.
- Legacy processors treat NGN, EUR, and USD corridors as afterthoughts.
- Developers wait weeks for sandbox credentials and reconciliation dashboards.
An AI engine that recovers what others lose.
- Talk to your payments — the AI assistant queries balances, disputes, and reconciliations in plain English.
- The Intelligent Reversal Engine automates evidence bundles and picks the recovery path with the highest success rate.
- Sandbox mode ships day-one so your team ships day-one.
Everything a modern payment stack should be.
Purpose-built primitives for teams shipping payments in emerging and cross-border markets.
Conversational AI Assistant
Ask about balances, disputes, or reconciliation. The assistant executes the query and returns the answer.
Intelligent Reversal Engine
Proprietary decisioning routes each dispute through the recovery path most likely to win.
Multi-Currency Corridors
USD, EUR, GBP, and NGN native. FX and settlement built in — not bolted on.
Android-Ready
First-class mobile SDK and signed APK for merchant apps operating in-field.
Secure Sandbox
Realistic simulated flows with zero real-money risk. Perfect for dev, QA, and pilots.
Operator Analytics
Real-time dashboards for acceptance, dispute rate, recovered volume, and corridor health.
See it move. No credit card required.
Launch a live sandbox environment in seconds. Trigger payments, simulate chargebacks, and watch the Intelligent Reversal Engine recover funds in real time.
Built for teams that ship on Monday.
Modern TypeScript stack
React 19 · TanStack Start · Bun · Edge runtime.
Security by default
Row-level auth, encrypted at rest, audit logs on every action.
Sub-second latency
Global edge with regional settlement anchors.
"The reversal engine alone would justify switching. Everything else is a bonus."
"Finally a payments API that speaks English back to you."
Plans for builders, operators, and acquirers.
For developers evaluating the stack
- Full sandbox APIs
- Conversational AI (500 msgs/mo)
- Community support
For fintechs in production
- Live currency corridors
- Intelligent Reversal Engine
- Android SDK & APK
- SLA + priority support
For acquirers & operators
- Full source & IP transfer
- Rebrand & deploy
- Advisory transition period
- Flippa-friendly package
A fully-built MVP, ready for acquisition.
SmartPayEngine is a complete, working AI-native payment platform — not a prototype. Multi-currency, mobile-ready, and Flippa-friendly. Bring your distribution; take the tech, the mascot, and the roadmap.
Ship payments worth talking to.
Get early access, book a demo, or clone the sandbox — you choose.