Acquisition Momentum SmartPay has attracted multiple suitors and changes in ownership, including acquisitions by Shift4, Tyro, and Fortis. This merger and acquisition activity creates sales opportunities to position a payments and financing layer as the integration anchor for retailers undergoing consolidation or expansion, and to partner with the acquiring entities to extend SmartPay’s lease to own and BNPL capabilities within their networks.

Retail Financing SmartPay specializes in lease to own solutions for wireless retailers nationwide. This indicates a sales opportunity to extend to other consumer electronics retailers or ecommerce sites seeking affordable financing at checkout, and to collaborate with device manufacturers or telecom carriers to embed lease to own options.

BNPL Potential The company launched BNPL, showing capability to manage consumer financing flows. A sales opportunity is to extend BNPL offerings to additional verticals and geographies via partner marketplaces, system integrators, and checkout platforms.

ERP Integrations The tech and acquirer context shows alignment with enterprise software and ERP ecosystems. Position a scalable embedded payments and financing solution that integrates with ERP, CRM, and accounting platforms used by mid market retailers to streamline operations and financial reporting.

Cross Border Growth Past cross border activity with Fortis and other buyers suggests potential to partner with global payments providers to scale beyond the United States, enabling cross border BNPL and lease to own offerings for retailers operating internationally.