France · Payments & e-money
Smile and Pay
Legal name in the LEI recordSMILE & PAY
SMILE & PAY is a French société anonyme with its head office in Neuilly-sur-Seine. The Autorité de Contrôle Prudentiel et de Résolution (ACPR) authorises it as a payment institution under number 17228. It provides card acceptance, processing and acquiring to merchants, craftspeople and associations in France. Its offer covers payment terminals, Tap to Pay on phones and remote payment links. Truffle Capital incubated the firm. In February 2021 Truffle Capital, Evolem Start and business angels invested EUR 5 million in it.
Licences and registrations
Held by Smile & Pay (LEI 969500ET4KI2QIBIPS31). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterPrudential Supervisory and Resolution AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 500872023 | France | Active | 2019-12-03 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- SMPAFR22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of SMPAFR22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2020-03-07
- Last updated
- 2021-03-18
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Venture-backed
Firm type
Merchant acquiring and processing
Trades as Smile&Pay
- Ownership
- The firm is privately held by venture investors, including Truffle Capital, which incubated it, and Evolem Start. Current shareholdings are not published.
- Head office
- 60 avenue Charles de Gaulle, 92200 Neuilly-sur-Seine, France
- Company register
- RCS Nanterre 500 872 023
- Incorporated
- 29 Oct 2007
- Founders
- Marc Le Mouel · Samuel Manassé · Didier Hallepée
Online
- Websites & references
- smileandpay.com ↗
aide.smileandpay.com ↗ help centre
app.smileandpay.com ↗ customer portal and online sign-up - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 12 pages consulted
- smileandpay.com/
- smileandpay.com/mentions-legales
- smileandpay.com/contrat-cadre-de-services-de-paiement-smilepay
- smileandpay.com/blog/solutions-de-paiement
- smileandpay.com/blog/smilepay-la-solution-de-paiement-simple-pour-les-commerces-de-proximite
- annuaire-entreprises.data.gouv.fr/entreprise/smile-pay-smile-pay-500872023
- next-finance.net/Smile-Pay-leve-5-MEUR-pour
- finyear.com/smilepay-leve-5me-pour-accelerer-la-digitalisation-des-commerces-francais_a43686.html
- evolem.com/en/entreprise/smile-pay-2/
- journaldunet.com/fintech/1206789-smile-pay-leve-2-5-millions-d-euros-pour-sa-solution-d-encaissement-par-c
- jaimelesstartups.fr/news/smilepay/
- itespresso.fr/smile-pay-fintech-truffle-capital-leve-2-5-millions-euros-181966.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as a payment institution under number 17228. The EBA payment institutions register lists it from 3 December 2019 for card acquiring and payment services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de Contrôle Prudentiel et de Résolution (ACPR) France | Établissement de paiement (payment institution) | 17228 | In its own name | Active | smileandpay.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe framework contract states that funds credited to merchants' payment accounts are deposited in a separate account at a credit institution. The firm does not name the bank.
- Payment schemes and card networks
- CB (Groupement des Cartes Bancaires) Direct smileandpay.com ↗
Visa Access not stated smileandpay.com ↗
Mastercard Access not stated smileandpay.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It provides card acceptance and acquiring for CB, Visa and Mastercard cards through its own terminals, Tap to Pay on iPhone and Android, and payment links. It pays collected funds out to the merchant's bank account, in 24 business hours according to the firm.
Its framework contract states that its ACPR authorisation covers payment services in France.
- Sells to
- Small businesses · Other
- Serves customers in
- France
- Latest funding round
- EUR 5m Feb 2021Led by Evolem Start, Truffle Capital
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Erwann Bruyelle CEO (Directeur général)
- Executive
- Alexis Canestrier Directeur Général Délégué (Deputy CEO)
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- SMPAFR22XXX
- How the BIC breaks down
- SMPABank
- FRCountry · France
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500ET4KI2QIBIPS31
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 500872023
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- f72e609b21d5
- National bank code
- Code interbancaire (CIB) 17228
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- Card acquiring
- Licensed in
- France
- Country · region
- France · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 60 AVENUE CHARLES DE GAULLES NEUILLY SUR SEINE 92200 FRANCE
- Operational address
- 60 AVENUE CHARLES DE GAULLES NEUILLY SUR SEINE 92200 NEUILLY SUR SEINE FRANCE
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>SMPAFR22XXX</BICFI>
<LEI>969500ET4KI2QIBIPS31</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>SMPAFR22XXX</BICFI>
<LEI>969500ET4KI2QIBIPS31</LEI>
<Nm>SMILE AND PAY</Nm>
<PstlAdr>
<TwnNm>NEUILLY SUR SEINE</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>60 AVENUE CHARLES DE GAULLES NEUILLY SUR SEINE 92200</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
National bank codes
Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 17228 | SMPAFR22XXX | SMILE & PAY | NEUILLY SUR SEINE |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- National bank codes—France (Source: ACPR – REGAFI).
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: smileandpay.com (official website) · original.
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