General
What is Smartex Money?
Smartex Money is a white-label FinTech platform for launching branded digital banking, payment, and financial services. It includes 50+ modules covering core banking, payments, cards, compliance, and AI-powered automation.
Who is Smartex Money for?
Banks, payment service providers, microfinance institutions, electronic money issuers, credit unions, mobile operators, and FinTech startups.
How quickly can we launch?
With SaaS deployment, you can launch in 2-4 weeks. Custom implementations typically take 2-6 months depending on scope.
Deployment
SaaS vs Life Time License?
SaaS is a monthly subscription with shared or dedicated cloud hosting. Life Time License is a one-time fee with on-premise deployment and full source code.
Can we customize the platform?
Yes. Every aspect is customizable — branding, workflows, fee structures, compliance rules, integrations, and the mobile app.
What about mobile apps?
Smartex Money includes native Android and iOS apps that are fully customized and branded for each project.
Security & Compliance
Is Smartex Money PCI DSS compliant?
Yes. The platform meets PCI DSS requirements for cardholder data protection through Cryptex DB (virtual HSM) with AES-256 encryption and tokenization.
Does it support AML/KYC?
Yes. AI-powered AML/KYC automation includes dynamic verification flows, OSINT intelligence, sanctions screening, PEP checks, and risk scoring.
What about data protection?
All sensitive data is encrypted at rest and in transit. Role-based access control, audit trails, and data change alerts provide comprehensive security monitoring.
Technical
What APIs are available?
Both SOAP and RESTful APIs are available for all platform functions — payments, accounts, cards, compliance, and integrations.
What database does it use?
Smartex Money runs on MySQL/PostgreSQL with standard Java EE infrastructure.
Can we integrate external systems?
Yes. The Flow Modeler provides visual workflow automation for connecting to banking networks (SWIFT, SEPA), card gateways, KYC providers, and government systems.
APIs available?
SOAP and RESTful APIs for all functions.
External integrations?
Flow Modeler connects to SWIFT, SEPA, card gateways, KYC providers, government systems.
Platform & Add-ons
What is Smartex Money?
A white-label FinTech platform with 50+ core modules and add-on ecosystem for digital banking and payments.
What add-ons are available?
Mobile App, Report Server, Flow Modeler, On-Board CRM, Cryptex DB, ADS Engine, Smartex SSO.
How quickly can we launch?
SaaS: 2-4 weeks. Custom: 2-6 months.
Can we customize?
Yes — branding, workflows, fees, compliance, integrations, mobile app.
Infrastructure & Licensing
SaaS vs Life Time License?
SaaS = monthly subscription with cloud. Life Time = one-time fee, on-premise, source code.
Deployment options?
On-premise, private cloud, public cloud (AWS/Azure/GCP), hybrid.
Do you help with licensing?
Yes — banking, EMI, PSP, VASP licenses across jurisdictions.
Partners (Agents)
How to become a partner?
Contact us via website or smartex@paymart.eu.
What commission?
Depends on partnership level and deal size. Contact for details.
Partner training?
Yes — platform, sales methodology, technical fundamentals.