Built for retailers, not customers

Recharge, pay bills,
and earn — from one app.

SmartPay4U turns your shop counter into a full recharge and bill-payment point — real-time plans, instant wallet settlement, and commission on every transaction.

15+
Operators supported
₹0
Setup cost
24/7
Support access
Recharge successful
Instant wallet settlement
Welcome back
Retailer
Wallet Balance
₹12,450
Mobile
DTH
Electricity
More
Airtel Prepaid
98XXX XX210 • 2 min ago
₹299
Jio Prepaid
97XXX XX884 • 18 min ago
₹199
Electricity Bill
MSEB • 1 hr ago
₹1,240
Recharge for all major operators
Airtel Jio Vi BSNL MTNL
Services

Everything a recharge counter needs

Mobile recharge is live today, with more bill-payment categories rolling out — all from the same wallet, the same app.

Mobile Recharge

Every major operator, real-time plans pulled live — no stale price lists.

Live now

DTH Recharge

Top up any DTH connection in seconds, straight from the wallet.

Coming soon

Electricity Bills

Pay on behalf of customers across supported electricity boards.

Coming soon

Water Bills

One more everyday bill your customers won't have to leave the shop for.

Coming soon

Postpaid Bills

Postpaid mobile bill payments, same wallet, same margin structure.

Coming soon

Wallet & Settlement

Admin-managed top-ups, instant deduction, full transaction history.

Live now
Why SmartPay4U

Built for people running a real counter, not a demo

Every detail here exists because a retailer asked for it.

Live plans, not price lists

Plans are pulled directly from operators — what you see is what's actually available today.

MPIN + device control

Every recharge needs your MPIN, and you can see and log out any device from your account.

Transparent margins

See exactly what you earn on every transaction, before you confirm it — no surprises later.

You hear about issues first

Real-time notifications and a direct complaint line, so nothing sits unresolved.

Retailers on SmartPay4U

What running a counter on this actually feels like

"The plans actually match what my customers see on their own phones now. No more explaining why a price is different from last week."

R
Ramesh K.
Mobile shop, Patna

"I can see my margin before I even confirm the recharge. That alone made me switch — no more checking a separate sheet."

S
Sunita D.
Kirana store, Lucknow

"Support actually replies. When a recharge got stuck once, I had an answer the same day, not a week later."

M
Mohammed A.
Recharge counter, Bhopal
Getting started

Three steps, then you're recharging

01

Register

Download the app and sign up with your mobile number and business details.

02

Get verified

Submit your KYC documents — approval usually takes under a day.

03

Start earning

Top up your wallet and start recharging — commission on every transaction.

Questions

Before you download

Every recharge requires your MPIN, and you can see and remotely log out any device logged into your account from Settings → My Devices. Your balance is only ever adjusted by a transaction you initiated or an admin action, both of which are recorded in your wallet history.

If a recharge fails at the operator's end after your wallet is debited, the amount is automatically refunded to your wallet — usually within minutes, sometimes up to 24 hours depending on the operator's response time. See our full Refund Policy for edge cases.

No. The app is free to download and use — you only ever fund your own wallet to recharge from, same as any prepaid balance.

Submit your KYC documents after registering, and approval is typically completed within a day. You'll get a notification the moment your account is verified and ready to recharge.

Margins are set per operator and shown to you before you confirm any recharge — you always know what you're earning on a transaction before it happens, not after.

Your counter, in your pocket.

Download SmartPay4U and start recharging in minutes — free to install, no setup fees.