Built by credit unions, for credit unions.
SmarterPay is organized as a CUSO. Participating credit unions own the network, set its rules, and keep its costs as low as the rails allow.
01
Owners
Founding credit unions buy in and elect the board. Seats are reserved for smaller credit unions so no single institution sets the rules.
02
Cost recovery pricing
Fees cover the rails, operations, fraud prevention, and reserves. Any surplus lowers prices. Members pay nothing to send.
03
One rulebook
Handle verification, limits, freeze and recall response times, data sharing, and loss sharing, versioned and voted on by owners.
Joining
No core conversion required.
- Keep your core: SmarterPayment posts by file or API, or runs as the books itself
- Keep your digital banking: your provider calls the signed Payments API or embeds SmarterPay screens
- Join FedNow or RTP directly or through a service provider; payments route on whichever you have
- Keep Zelle while members move over; SmarterPay routes to it when asked
- Your members' handles carry your credit union's name as the verifier
- SmartiFI credit unions get SmarterPay natively with a module switch
Network in formation
Become a founding credit union
We are talking with credit unions about the CUSO, the rulebook, and pricing. Tell us about your credit union and the payments you run today.
Start the conversation See the demo network