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SmartPay FAQs | SmartPay Lease to Own

About SmartPay

How do I lease with SmartPay?

Leasing with SmartPay is easy. There are two ways to complete an application and begin your new lease:

1. Complete our Approval application here to get approved for a specific lease amount. You may then shop in-store at our retail partners or online, find a retailer and apply your SmartPay approval at check-out.

2. Shop directly either in-store at our retail partners or online, find a retailer and select SmartPay as your payment option at checkout. You will then complete your SmartPay application before completing your transaction.

What can I lease with SmartPay?

You may lease any smart phone of your choosing available at our in-store or online partners.
Depending on where you apply, you may be able to bundle the smartphone with accessories and/or an auto-refill service plan.

How much does SmartPay cost?

We break down the cost of your smartphone into low, affordable payments. The cost depends on the retail value of the items you lease and the terms of the plan for which you are approved. You will have a chance to review your payments and terms before completing your lease.

How many payments will I have?

The total number of payments depends on your payment frequency (monthly, every 4 weeks, twice monthly, and every other week) and term length, which may vary depending on the channel for which you are approved.

Can I return my leased items?

Yes. You can return your item at anytime without penalty, and you will owe nothing further except unpaid lease to own costs. If you wish to return the items within the merchant’s return window, then you should return the items directly to the merchant. Please refer to the merchant’s return policy for instructions.

If it is after the merchant’s return window, you can return it to SmartPay by contacting our Customer Support Team to request a return label.

Lease With SmartPay

Who can apply for SmartPay?

To apply for SmartPay, you must:

Be at least 18 years old

1. Have a monthly income of $1000 (before taxes and deductions)

2. Have a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

3. Have a credit card or debit card associated with a standard US checking account

All personal and payment information provided in the application must belong to you.

How do I apply for SmartPay?

There are 3 quick and easy ways to apply for SmartPay:

• Go to SmartPayLease.com and click “Apply Now.”

• Apply through one of our online partners and select SmartPay as your payment method at the checkout step.

• Visit a participating store and apply on an in-store computer.

Where Can I Lease with SmartPay?

We have built an extensive partner network in order to provide you with as many options as possible when choosing your SmartPay leased smart phone.

You may find all of our current partners below:

1. Online Partners

2. In-Store Retail Partners

Do you perform a credit check?

We only perform a credit check if you provide written instruction to SmartPay to obtain information from your personal consumer report or other from third-party sources. By checking your personal consumer report/information, we may be able to offer you better lease to own terms, such as a lower periodic payments or a longer pay-off period.

How soon can I get my items?

You will receive your items as soon as possible after completing your transaction. If you’re applying in a store, you’ll receive your items immediately after you complete the application. If you’re applying online, your items will be shipped to your address by the merchant and arrive accordingly.

Why wasn’t I approved for SmartPay?

Although we try to approve as many customers as possible, we aren’t able to approve every application. Approval is based on a number of personal and financial qualifications.

In the case that you are not initially approved, you are always welcome to reapply anytime.

Is my personal information secure with SmartPay?

Yes. We value your privacy and use bank-level security when storing your information. You can view our Privacy Policy here.

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Make Your Payments

How do I make my payments?

During the SmartPay application process, you will be asked to provide a credit or debit card to be used for your initial payment. SmartPay will automatically charge this card for all future scheduled payments, according to your lease’s payment schedule. Subsequent monthly payments may not be made in store.

You may update your payment information via your Consumer Home account.

What payment methods do you accept?

We accept credit cards and debit cards associated with a standard US banking account (Mastercard, Visa or Discover) for initial and subsequent lease payments. You may use a prepaid debit card or use a PayNearMe location to make a one-time subsequent lease payment.

Will you send me payment reminders?

Yes. You will receive payment reminders by text (SMS) message and email 3 days before your due date. If you are not sure when your next due date is, you can check your payment schedule by logging into your SmartPay account.

Can I pay off my Lease early?

Yes. You can pay off your Lease early to save on total fees.

To pay off your Lease early, log into your SmartPay account and navigate to the “Make a Payment” tab. Here, you will see a “Payoff Lease” button that will begin the early payoff process.
This option is not available in NJ, MN, WI, and WY. Customers in these states are offered a 12-month lease payment plan which renews annually. You can either cancel your Lease by returning the items, or renew your Lease at a lower cost..

How frequently will I need to make payments?

We offer various payment frequency options based on whether your lease includes a service plan or not. Without a service plan, you have the choice of monthly, every 4 weeks, twice monthly, and every other week options. With a service plan, you must pay on a monthly basis as service is based on monthly intervals.

You may also take advantage of the Early Payoff Option. To confirm this amount, log into your SmartPay account and navigate to the “Make a Payment” tab.

Your Account

How do I access my lease agreements?

Log into your SmartPay account via our Consumer Home portal. You will be prompted to activate your account if you have not already. Once logged in, you will be able to view your lease agreement on the “Order Details” section of the “Your Plan” tab.

How do I update my payment method?

Log into your SmartPay account at home.smartpaylease.com, and update your payment method under “Settings.”

How do I process an Early Payment

To pay off your Lease early, log into your SmartPay account and navigate to the “Make a Payment” tab. Here, you will see a “Payoff Lease” button that will begin the early payoff process.

THIS OPTION IS NOT AVAILABLE IN NJ, MN, WI, AND WY, AS THESE STATES DO NOT ALLOW CUSTOMERS TO ACQUIRE OWNERSHIP OF THE LEASED ITEMS. CUSTOMERS IN THESE STATES ARE OFFERED A 12-MONTH LEASE PAYMENT PLAN WHICH RENEWS ANNUALLY. YOU CAN EITHER CANCEL YOUR LEASE BY RETURNING THE ITEMS, OR RENEW YOUR LEASE AT A LOWER COST.

How do I make an overdue payment?

To make an overdue payment, log into your SmartPay account and click the “Pay Now” button on the home page. This button will take you directly through the process of updating your payment information to make your lease current again.

Will I own the device at the end of the Lease?

Yes. Once you have made all payments and the lease is complete, you own the items. You can also complete your lease early with the Early Payoff Option.

NOTE: THIS OPTION IS UNAVAILABLE IN MN, NJ, WI, AND WY.

Partner With SmartPay

Why partner with SmartPay?

SmartPay lets you grow your sales by providing honest and transparent leasing for your customers, so they can get the devices they love. We pay you upfront for all leased items and handle all subsequent payment collection, eliminating all risk to you from our leasing process.

In addition to increasing sales, SmartPay provides reporting tools to help you run your business smoothly.

What is involved with becoming a SmartPay partner?

Becoming a SmartPay partner is quick and easy. We assume all risk of collecting lease payments from the customer and pay you upfront for all items. Setup is fast and requires no integration. We take care of the leasing so you can focus on selling.

Who are the existing partners?

We partner with a wide variety of businesses throughout the wireless industry. The list includes Metro by T-Mobile, Boost Mobile, Tracfone, Straight Talk, Net10, and Simple Mobile.

How do I get a demo?

We are always excited to showcase our product! If you would like a demo of SmartPay, please fill out the demo form here and our Business Development team will contact you shortly.

How do I become a partner?

We’re excited to hear you’re interested in partnering with SmartPay! To get started, contact our Business Development team by filling out the demo form. A SmartPay representative will then be assigned to personally walk you through our product and integration steps.

Do I need to pay to become a SmartPay partner?

You do not need to pay to become a SmartPay partner. In fact, we pay you up front for the items and handle the leasing!

How to choose a good mobile phone plan?

11/22/2021 13:08 Subject: Business news 4491

If everyone used their mobile devices in the same way, it would be easy to choose the most suitable tariff plan. Some people only need a mobile connection to talk and possibly text with friends and family, while others may need an advanced data plan that allows you to surf the internet, download apps, post on social media, read emails and broadcast music.

Unlimited data: big cost factor

A plan that offers unlimited data will be more expensive. Most plans include unlimited calls and texts, but you pay extra money for unlimited data, which allows you to surf the internet from your device even when you’re not at home. While at home, you can use your Wi-Fi network to reduce the amount of data charged by your cellular plan.

Whether or not you choose an unlimited data plan depends on your lifestyle. If you’re an active person—for example, if you’re traveling and don’t spend much time in one place—the unlimited plan is ideal because that way you can share photos and video chat with your kids without worrying about going over your monthly data limit.

On the other hand, if you spend a lot of time at home or just don’t use your phone for these purposes, you can choose a more modest plan or even a plan without data.

How to choose a tariff plan?

It is recommended that you evaluate your lifestyle first. When you choose a data plan, your first step is to think about how you use your phone.

Some are tech-savvy and enjoy watching live streaming video, using social media, and playing videos on a big screen TV at home—these people use their phone in a very different way than someone who just wants to have a flip phone in the glove compartment of their car. in case the car breaks down.

Operators are generally seeing an increase in unlimited data plans as many customers don’t want to worry about going over their data limit and having to pay twice as much for it. To eliminate this factor, many prefer a flat rate and opt for an unlimited plan if it suits their situation.

Another factor to consider when choosing a carrier and plan is the quality of service available in your area. All telephone companies publish coverage maps which are relatively good, so research the information before making a decision.

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Setting up Microsoft tariff plans – Microsoft Teams

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• Article
• 04/07/2023

• Applies to:

  Skype for Business, Microsoft Teams

This article describes how to set up Microsoft calling plans using Teams Phone System. This solution is the simplest option that connects the telephone system to the public switched telephone network (PSTN) for external calls. When you use this option, Microsoft acts as your PSTN carrier.

This article assumes that you already have User Phone System licenses, which is a requirement to purchase calling plans. If you do not have a Phone System license, see Phone System Setup.

For more information about all Microsoft Calling Plan options, see Calling plans for Teams.

For more information about Phone System, see What is Phone System.

Step 1: Find out if Calling Plans are available in your country or region

Go to Country and Region Availability for Audio Conferencing and Calling Plans and select your country or region to get information about calling plans.

If Calling Plans is not available for your country or region, see PSTN connection options for other available PSTN connection options.

1. After purchasing and assigning teams Phone licenses, you can purchase Teams Phone System calling plans. For more information, see Licensing Microsoft Teams add-ons.

2. Assign a Calling Plan license to people in your organization. See Assign licenses to Microsoft Teams add-ons.

   If you are purchasing a pay-as-you-go plan, you may need to purchase communication credits. To determine if you need to purchase communication credits, see How to fund a pay-as-you-go plan.

Step 3: Get phone numbers

There are three ways to get new user numbers:

• Use the Teams admin center. For some countries/regions, you can get user numbers using the Teams admin center. See Get phone numbers for users.

• Port numbers you already have. You can migrate your existing numbers from your current service provider or carrier to Microsoft 365. After you migrate your phone numbers to Teams, Microsoft becomes your service provider and bills you for those phone numbers. For more information, see Transfer phone numbers to Teams.

• Using the request form for new numbers. Sometimes (depending on your country/region) you won’t be able to get new phone numbers using the Teams admin center, or you’ll need specific phone numbers or region codes. In this case, you need to download the form and send it to us. For more information, see Manage phone numbers for your organization.

Step 4: Add addresses and emergency locations for your organization

The emergency address must be associated with a telephone number. When this association occurs may differ from country to country and region to region. For example, in the United States, you must bind an emergency address when assigning a phone number to a user. In the United Kingdom, you must associate an emergency address with a phone number when getting phone numbers from Microsoft 365 or when transferring phone numbers from your current service provider.

For information about emergency calls and managing emergency addresses, see Managing Emergency Calls.

Each user must be assigned an emergency phone number and address. An emergency address must be created before it can be matched to a phone number. For more information, see Assign or change an emergency address and Assign a phone number.

Tip

If you added some new users before completing this step, note that they may appear on page Voice users only a few hours later .

Step 6: Tell people about new phone numbers

Microsoft recommends that you send mail or use your company’s preferred communication method to let people know about new phone numbers.

In Microsoft Teams , users can view their phone number by selecting Calls in the navigation pane on the left. The phone number is displayed above the dial pad.

Running the self-diagnostic tool

Microsoft 365 administrator users have access to a diagnostic that can be run on the tenant to verify that the user is properly configured to make or receive PSTN calls.