SmartPay Complaints SnapShot

Last Updated On: April 6, 2017

SmartPay Contact Information

Corporate Address:
417 Montgomery St #600
San Francisco, California 94104 USA

SmartPay Customer Service

SmartPay Phone Number: 800-374-5587
Corp Email:
Company Contact: Ryan Gilbert - CEO
Corp Website:

SmartPay Ratings

Average Rating: 1.40 out of 5
Based On: 54 Reviews
Number Of Comments: 78

SmartPay Reports

Reported Losses: $10,884.73
Average Reported Losses: $201.57

Most Recent SmartPay Complaints

Is SmartPay a Scam, Rip Off, or Fraud? WARN OTHER CONSUMERS By Sharing

Category: Payment Processing / Merchant Services / POS Directory Listing Listing

A Scam

I am so angry I could scream!

After calling smartpay on the 29th of November and asking what my payoff would be, I was told $185 and some change. I told them to take that amount out of my account so that I could be done with them. I just realized that I would be paying over a thousand dollars for a $649 phone for my grandson.

Then I checked my account and found that they took the same $157.84 out that they had been taking. I called them and waited on the phone for two hours before I could speak with someone. That person kept telling me that I had to call in before my due date to pay it off. He also advised me that I now needed to pay $92 to pay it off. I asked for a supervisor and had to hold another half hour.

The supervisor said the same thing. When I told him that I DID call prior to my due date, he said that my payment failed on the 29th. I told him that I didn’t expect it to come out until my due date and he said that I would have to call prior to my due date and have the money available to pay right then. Had I known that I would have called yesterday.

So, I asked for their Corporate Headquarters phone number to which he replied, all they have is an email. I have checked all over the internet to find a number for their HQ and cannot. There is another Smapr Pay Leasing Company, but that’s not the same company.

I’m gonna pay the $92 but I’m gonna put it everywhere I can to let people know NOT to do ANY business with smartpay. I’m also filing a complaint with the BBB.

15 Most Recent Reviews About SmartPay

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78 Comments on "SmartPay"

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smartpay is good if they kept thier word I read the contract before signing the aggreement and found that I had 90 days same as cash…so I put the down payment up front to cover the 90 days final payment (thats about 3 months) “Bighorner” I called 3 days out at 87 days for the final payment …and what do you know they said I had to pay the rental fee and final payment all togther to close the account I was calling about. the sad thing is that the rental fee was almost twice as much as the payment… Read more »

Because I’m not a total r****d like most of you are – I actually read the contract before I signed. I didn’t need mommy and daddy holding my hand, reminding me to not sign anything without reading it.

Well, reading the terms, I saw how insane their pricing model is. You’ll pay 3x the cost of the phone by using this service. There are much better financing options for people like me, who have good credit and are financially literate.

Seriously lenaluvbeans is mad because she signed something without being told what it was? What a r****d.

Do you feel better that you got to tear someone into the floor by ripping them apart in a public forum? Glad to know you aren’t stupid, retarded or IGNORANT…. Kudos for not letting people screw you over!

so smartpaylease are liars. They say they don’t do credit checks, but when i apply for a lease i get denied with no explanation whatsoever. I was told by metro pcs that they seen people that make less then i do, get approved for a good lease, So if i bring almost 4000 a month how do they deny me? What do they base it on?

hi – i’m a reporter with NPR, looking at SmartPay and the company Better . I’d like to talk with you about your personal experience. Could you contact me? my email is ashahani at npr dot org or tweet me at @aarti411

please contact me I recently had an issue with this company and would love to report them to anyone that will listen!!!!!!!

I can see both sides of story, Billfloat is thinking they made no money on interest unless you don’t pay ontime and your creditcard got stolen 1 day before it was due. plus with your bill being due on Saturday 19 of July it should not have it your account untill the next business day which was the 21. It is good you got a new debit card in 1 business day. Most time it takes longer. i am sure if you provided a police report they can fix the charges. But in the end your card was stolen and… Read more »

I am contacting my Attorney General over this company. My account was paid in full but they are still charging me $6 a month. I tried closing my account and the website wont process my account.

Billfloat is a rip off, I purchased a Galaxy 4 phone, now the phone itself was 499 at metropc’s I was to pay billfloat $116.00 a month for 10 months unless I paid off early. Well after paying $116.00 for 5 months i called to see what the payoff would be I was told to pay the account of it would cost me $120.00 but I had to have it in by the 20th of January, well I wasn’t able to come up with the $120 by that time so they debited my account for $116.00 again so I called… Read more »

We should start a class action suit against BILLFLOAT! Whose with me?

I”m with you too. email me at

i would be, but at this time still have complaints with the Better Business Bureau against them. you should also get with them and file a complaint.

I AM!!!!!!!!!!!!!

Part 4 of 4-And they said they won’t cancel my contract until they receive payment. They say I signed their contract. I never saw a contract. They said the contract was 10 pages long and electronic. The crazy wireless guy had me sign the computer for what was supposedly my payment for my first month bill. Never once was I told anything about any contract. When I asked billfloat to send me a copy of the signed version of the contract nowhere on there is my signature. This is ridiculous. I want justice. Both companies are bad. I deserve my… Read more »

the same thing happened to me, and I really cant pay what they say I owe. can you email me any advice? what did you end up doing ?

Part 3 of 4 -No one told me the truth and barely now I find out? They said they sent me an email months ago. Well I never check my personal email (which I admit I should now start doing). I expected to receive something in the mail like a real legit company would do. Billmelater does send you something in the mail. Not only did I get robbed but crazywireless lied to me and withheld the truth about this sham. Billfloat said I only had 3 months to pay the phone off and since I didn’t the I was… Read more »
Part 2 of 4 – I figured four months later I was done. Well, I had my ATM card stolen 5 months later. I cancelled the card. Billfloat contact me and said that I owed my payment. I was like no way I paid you guys off already. Then I demanded to know how much more they thought I owed them. Mind you the phone I bought was a Galaxy S3 $499 (now sold at Best Buy for $399). They said I still owed 6 payments of $110!!! I was like what the hell are you talking about? They said… Read more »
Part 1 of 4 – When I went to the Great Mall and ran into the salesmen at Crazy Wireless kiosk. I just merely was glancing at phones but not there to buy. I saw a sign that said you can now buy phones with billfloat service. I asked the salesmen what exactly that meant. They informed me it was just like billmelater. He said I could pick a phone take it home and pay it off in four payments. I said what’s the catch? He said no catch at all. I was very hesitant. He promised me that it… Read more »
Billfloat was great…..AT FIRST! Unfortunately, that has all changed. They stopped letting me float bills even though I paid on time. I got the smartline before they stopped letting me use billfloat, and paid that on time too….Suddenly, I can’t get cash from my line of credit, can only use it to pay a bill. I recently decided to pay my payment early, so I chose make minimum payment ($93)….I clicked continue, and at the top it said your payment of $771 is in progress. I emailed, since we can’t call, and didn’t get a return email. Very frustrating and… Read more »

Everything that is posted about this company is all true. From the beginning they helped alot, then comes along unanswered emails, no phone contact, terrible customer service to no customer service, not able to look at your account online, and the list goes on, I have reported a claim to Better Business Bureau, and will go higher to make sure this company goes down, and actually the Billfloat part is no longer, but the Smarline and Smartpay is still running, Their practices are unheard of and I don’t recommend to anyone.

Even with Smartline, I could no longer get cash….could only use it for bills.

Hello everybody, I am Mrs Reeves,currently living in Taxes,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by July 2013 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr Malcolm and i got a loan sum of $500,000USD and today am a business owner and my kids are doing well… Read more »

Hi Mrs. Reeves your private loan lender was the payments reasonable. I needed help for myself from some financial situations. You mention that the interest was 3% and better repayment plans and schedule. Explain more to me. email address:

Hi everyone my name is kate i live in Texas USA I applied for a loan of $100,000 in march 2012 with diamond loan company and i was ask to pay $1000 for insurance which i did and they never transfer my loan and i was charge more and more fee which i got nothing in return i lost over $5000 to them because i was anxious of the loan i have to apply through another company and this second company did the worst to me,i was ask to pay only $100 for transfer fee which i later give them… Read more »

bill float is the biggest scam i bought a metro phone in april in oct they sent me an email stating thankyou four fullfilling your contract and today they sent me a message say thankyou for an ovredue payment and i still have t 2 more left bull if i do the would put te phone at over three hundered dollars and to top it all off as of oct 2013 you con nolonger speak to an actual person , thats bull s**t if you ask me their scamming money off everyone its all bad

First out of the blue they demand money up front again. Was interesting but handled that. Now, suddenly and with no notice or warning of any kind, your bank must be on their approved list or they won’t float your bill. Anyone else having this problem?

I loved Billfloat at first, now its asking for money up front, i can only float one bill, at a time now, i can’t get into my account on Smartline, which I remember a couple of months ago, you had to have money in there to float any bills, but you can’t see your info, no one to call and the emails always say getting back you…and they did, but they completely sent someone else’s account info. I think this company is bellied up! Scamming is a word which may suit them best, or maybe class action lawsuit. I am… Read more »

I’ve used them for almost a year with no problems and same here. Last month it worked and now they only try bank verification which I didn’t have to do before. I switched banks a long time ago so they can’t verify my bank account. If they’re only going to approve you through bank verification, they should at least let you change the initial bank you set up wtih.

I have been a customer since 2011 and it won’t let me in anymore because my bank is not on the approved list.

I have been using billfloat since may of 2012 to float a couple of my regular bills each month. Really helps me out and their fees are not very expensive; pretty reasonable actually. Up until today I had never been declined and now they are telling me after 27 transactions with them over 18 months of which NONE had ever been late; in fact the last payment I made was at least a week early. Anyway; now they tell me they can’t float my verizon bill because of my credit report. What the hell I’ve had crappy credit since day… Read more »

Same exact thing happened to me as well. You can’t even get a live person over the phone not to mention I also have a Smartline account with them which is hardly ever updated on their site reflecting my payments. Bill Float used to be my saving grace now and I have always paid on-time never declined and now all of a suddent its been declined. Not sure what’s going on with them, but I won’t be using them anymore.

Same thing for me.

Same for me.. always use them for the same bill every month, even repay early sometimes. Now I am not approved… and right before Christmas..

This happened to me as well. NEVER paid late either. I was a good customer… THEIR LOSS!

Hello…same thing happened to me this week….Used them forever….Now I am denied????……Never paid late either….Well its their LOSS………After all thats why people people
like us use them in the first place……The people with money wont need them anyway….Lets see how this works for them….They just lost 2 customers….

Same thing happened to me today. Paying the same bill for six months. Last month, they wanted a downpayment, which is fine. This month, denied. WTF? Nothing has changed on my end. So annoying.

THANK GOD I read these comments before I used BillFloat. I set up a float payment to have a little more money in the summer and I used a pre paid card to set up the repayment. It all went well and my Verizon bill was paid and the charge came off my card when it was suppose to. So I called the prepaid card company and canceled the card, no problem. Then I get a call three weeks later stating that they cannot get my payment from my card and that I have to use another method of payment.… Read more »
oh my billfloat is horrible be careful please I read complaints after I started using them and everything was fine I paid a couple of bills everymonth they only charge like a dollar of intrest uless you go with the express, but then all of a sudden they said they paid my bill and they didn’t, then they started asking for money down , then the last draw was when they went to debit my account for a bill I owed they took double the amount 400.00 hundred dollars when it was only to be 200.00 they took my whole… Read more »
I haven’t had an issue with Billfloat until this last time around. They were supposed to pay a bill of $199.43 to Duke Energy, and sent me the "rest easy" message, that they’ve sent the money. I even did the express version which costs me more money. Two weeks later, my power gets shut off for non payment. To get it turned back on, I pay the $199.43 on the same day it was shut off, which shows on the Duke Energy Payment History as happening on that same day but posts on my bank account two days later. Fine,… Read more »
Do not understand why, when I have paid my MetroPcs bill with them several times, and always have the money available when it is due to be paid, that all of a sudden, out of no where, there are expecting me to pay $15.00 up front. I too have had issues when paying a bill early, that the system button does not work, therefore not allowing me to pay the bill early. I do this to try to save on some interest charges. Then when you call to talk to one of the idiots that they have working for them,… Read more »
OMG! I wish I would have read this sooner. I have a similar issue about bill float taking multiple payments even though i paid them back EARLY! I ALWAYS pay back early and have been a client since the beginning of 2012. I now have an open investigation with my bank and i had to close my debit card. They caused my account to overdraft twice and i kept replacing the money but this is ridiculous. I’m out of $150 right now until I can get this resolved. I need to advise my bank to google these complaints. smh
Billfloat has taken $109.66 from me they deducted the amount twice from my account they say it was some kind of system issue that caused it to happen they put it back and then took it back the next week and you can no longer speak to any one on the phone your communications are done online so I have about 30 emails sent trying to get this issue resolved and as of today they keep replying that the money was refunded but I have not received a refund they are not looking at the fact that it was taken… Read more »

Same Advice for EBAY’s …"Bill me Later" ….scam.

Mixed review: It works great, but never again will I click on the "pay now" button. If you let it go until the due date all is good. If you pay early via the "pay now" button… all **** breaks loose. They will deduct it from your account right away, and still continue to attempt to collect on the due date.

Glad I didn’t sign up for this. Some people claim to have never had trouble using billfloat which is good for them, but, there are just too many negative reviews to risk trying it. I think Lisa P. is not a real person and does not exist.

Lisa R.*


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