This guide will help you create and verify your SMEPay account step by step in simple terms.
1. Create Your Account
Go to the SMEPay website: https://www.smepay.io/
Click on “Create Account”
2. Enter Mobile Number & Verify
Enter your mobile number
You will receive an OTP (One-Time Password)
Enter the OTP to verify your number
3. Fill Basic Details
After verification, enter the following details:
Your Name
Company Name
Company Email Address
Company Website (optional)
Once you fill this, you will be redirected to the SMEPay Dashboard
4. Start Account Verification
On the dashboard (top section), you will see:
“Account Verification Pending – Complete Verification”Click on “Complete Verification”
5. Select Business Access
Choose “Business Access (API)”
You will be redirected to the Integration Tab
6. Select Company Type
Choose your Company Type
Click on “Proceed”
7. Fill Verification Form (Documents Required)
When you click on Proceed, a verification form will open.
You need to fill in all the required details and upload the necessary documents.
📌 Documents Required (For Individual Company Type)
1. Proof of Address (Any One)
You can upload any one of the following:
Aadhaar Card
Voter ID Card
Passport
Driving License
NREGA Job Card
Letter from National Population Register
Utility Bill (Electricity / Telephone / Postpaid Mobile / Gas / Water)
Property or Municipal Tax Receipt
2. Proof of Identity
PAN Card (Mandatory)
3. Bank Proof
Cancelled Cheque or
Bank Statement
4. Business Documents
UDYAM Registration (if available)
GST Certificate (Optional)
Signed Master Service Agreement (MSA) See Details ->
📌 Important Note
Make sure all documents are clear and valid
Details in documents should match your application details
Incorrect or unclear documents may delay verification
📌 Different Company Types (Separate Forms)
If your business type is different, you need to fill the respective form:
-
Proprietorship More Details ->
Partnership / LLP More Details ->
Private / Public Limited Company More Details ->
Society / Trust More Details ->
8. Verification Process
Your documents will be verified
This process usually takes 3–4 business days
-
You may receive:
A confirmation call
A verification call
Make sure you are available and provide correct details
9. Verification Completion
-
Once verification is done:
You will receive a confirmation email
Your account will be fully activated
10. Get API Credentials
After verification, go to the Integration Tab
-
You will find:
Client ID
Client Secret
These are required for integrating SMEPay into your system
11. Check Profile Details
Click on the Profile Icon (bottom-left corner)
You can view all your account and business details there
12. Wallet & Pricing Information
You need to do a one-time wallet recharge of ₹2000
This amount is used for transaction fees
Charges:
₹5 per transaction (deducted from wallet)
Important:
After the first recharge, no fixed recharge amount is required
Maintain a minimum balance of ₹150 to avoid interruptions
For full pricing information, visit: https://www.smepay.io/pricing
This guide will help you create and verify your SMEPay account step by step in simple terms.