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BBB Accredited Business since


Phone: (800) 745-9361 View Additional Phone Numbers   View Additional Email Addresses

BBB Business Reviews may not be reproduced for sales or promotional purposes.


This company offers bill paying services through Billfloat, Smartline and Smartpay.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that SmartPay meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for SmartPay include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 262 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

262 complaints closed with BBB in last 3 years | 73 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 140
Billing/Collection Issues 25
Delivery Issues 25
Guarantee/Warranty Issues 5
Problems with Product/Service 67
Total Closed Complaints 262

Additional Complaint Information

BBB’s file for SmartPay opened on July 19, 2011. A review of complaints completed on September 8, 2016 state when signing up for the service in-store, consumers feel the terms of the loan are not fully explained.
BBB reminds consumers that SmartPay is a company providing lease to own options to applicable customers, customers should fully read the terms of their lease that details the full cost of your purchase before finalizing the contract.

Customer Reviews Summary Read customer reviews

15 Customer Reviews on SmartPay
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 2
Negative Experience 13
Total Customer Reviews 15

Additional Information

BBB file opened: July 19, 2011 Business started: 08/14/2009 Business started locally: 08/14/2009 Business incorporated 08/14/2009 in DE
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Comptroller of Currency--regional admin.
1 Front St Ste 1000, San Francisco CA 94111
Phone Number: (800) 613-6743
The number is 20862.

Type of Entity


Business Management
Mr. Omer Friedman, Director of Operations
Contact Information
Principal: Mr. Omer Friedman, Director of Operations
Number of Employees


Business Category

Bill Paying Service

Service Area
New York, Los Angeles, Chicago, Houston, Philadelphia, Phoenix, San Antonio, San Diego, Dallas, San Jose, Jacksonville, Indianapolis, San Francisco, Austin, Columbus, Fort Worth, Charlotte, Detroit, El Paso, Memphis.
Alternate Business Names
BillFloat, Inc.

Customer Review Rating plus BBB Rating Summary

SmartPay has received 3.77 out of 5 stars based on 15 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.