Why is there a SmartPay charge on my statement?

SmartPay ( is a lease-to-own payment plan that lets customers shop for devices, accessories and more. After beginning a lease, customers make fixed, scheduled payments over a 15 or 24 month term to make it more affordable than paying full price upfront. Through the SmartPay+ program, we provide you with service alongside your leased device while you are not covered through another carrier.

We work with leading wireless carriers and retailers to offer SmartPay lease-to-own in their stores and on their websites. SmartPay is available in 1,000s of locations across the U.S.


When you applied for the SmartPay lease-to-own payment plan either in-store or online, you agreed to have your scheduled payments automatically charged to your debit or credit card. You can log in to your SmartPay account here anytime to see your payment schedule and review your Lease Agreement.

If the amount charged on your debit card statement is different than your regularly scheduled payment, it is because an earlier scheduled payment failed. When a payment fails, our system will make further attempts to collect the repayment, either in full or in partial amounts until the full amount has been paid.

If SmartPay is charging you more this month than last month, check if you’ve recently changed service plans. SmartPay+ leases require that you have airtime service at all times during your lease, so if you stop getting service from an external provider, SmartPay will begin providing you with service and charge you for it.

You can log in to your SmartPay account by clicking here. If this is the first time you are accessing your SmartPay account click on Get access to SmartPay. which will take you through a simple process to set up your password.

You can change your primary payment method by logging in to your SmartPay account. If you need assistance, you can also call our customer support at 925-298-6109 which is open 7 days a week from 7 am to 7 pm PST Monday through Saturday and 7 am to 5pm PST on Sundays.

Contact us immediately at 925-298-6109 7 days a week from 7 am to 7 pm PST Monday through Saturday and 7 am to 5pm PST on Sundays.

Your SmartPay+ lease requires that you have service at all times during the lease. If you already have service through a carrier at the beginning of your lease, you may continue acquiring service through those means for as long as you’d like. When you stop getting existing service or come to SmartPay+ as a new customer, SmartPay will acquire service on your behalf for your device and charge you for your chosen service plan. This may explain why your SmartPay bill would have increased between months if you’ve recently stopped getting service from another carrier.

Please see our Help Center FAQ.

You can not cancel your account while you have an existing lease with SmartPay. To cancel a lease, please contact us at 925-298-6109 7 days a week from 7 am to 7 pm PST Monday through Saturday and 7 am to 5pm PST on Sundays and we can walk you through the steps.

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Login or Setup your SmartPay account

View and manage your scheduled payments, update your payment method, access lease agreements, process an early payoff, and more.

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