SmartPay is a Chinese consumer payment processing company that operates under the brand name "Jieyin", which means "speedy payments". SmartPay provides its users the ability to make payments online or via mobile phone for items such as mobile pre-pay top-up, bill payments, e-lotteries, gaming top-up, and peer-to-peer transfers. As one of the few payment processors with the full suite of licenses granted by the People's Bank of China.