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Integration · Coming soon

GrabPay + SmartB — a day’s taps, tied to a day’s takings.

GrabPay is everyday money in Malaysia — small amounts, high volume, at the counter and at checkout. SmartB matches the settlement side back to the orders, so a batched wallet payout stops being a figure nobody can break down.

Small payments are the hardest ones to lose track of.

A GrabPay payment is a few taps at the counter or at checkout, and that is the point — fast, ordinary, and repeated all day. The settlement is the opposite: a long run of small transactions collapsed into one figure, net of charges, spanning outlets and channels that keep their own records. Matching a day’s takings to a wallet payout by eye is slow work, and small differences hide easily among small amounts.

What SmartB does

Wallet takings that reconcile to real orders

A payout resolved into transactions

Settlement and payout data is pulled into SmartB and matched against the sales it covers, so the wallet deposit is explained line by line rather than accepted whole.

  • Batched settlements decomposed into individual sales
  • Every bank line traceable to the orders behind it
  • Differences raised while they are still small

Counter and checkout in one view

The same wallet pays you in store and online. SmartB brings outlet takings and web orders into one record so wallet revenue is not reported twice in two systems.

  • In-store and online wallet sales side by side
  • Outlet-level and channel-level reporting from one source
  • Takings that agree with what the till says

Small charges, properly counted

Per-transaction deductions barely register on one sale and matter a great deal across thousands. SmartB carries them onto the orders that caused them.

  • Deductions attributed at order level, not in bulk
  • Gross taken and net received both stated
  • Margin after the real cost of the payment method

Refunds and voids that don’t drift

Reversals settle on their own terms and are the usual reason a wallet payout stops agreeing with the day’s sales. They are reconciled as first-class events, not adjustments.

  • Refunds and voids matched to the original sale
  • Reversals reflected in margin, not just in cash
  • A defensible position when a figure is queried

One picture of how customers pay you

Wallet, card, online banking and BNPL sit together in SmartB, so you can see the mix rather than a set of disconnected reports.

  • Payment mix visible across the whole business
  • Cost of each method compared on the same basis
  • e-Invoicing handled from the same order records
On the roadmap

Direct GrabPay sync — coming soon

Today you bring your GrabPay transaction and settlement data into SmartB and reconcile it against outlet and online orders, with charges and reporting in one place. Automatic sync with GrabPay is on our roadmap, so settlements arrive without anyone exporting them.

Join the sync waitlist

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Questions, answered

What can I do with GrabPay in SmartB today?

Bring your GrabPay transaction and settlement data in, reconcile it against your orders, and run invoicing and reporting from the same place. Direct automatic sync is coming soon.

We take GrabPay in store and online. Does SmartB handle both?

Yes. Outlet takings and online orders sit in one record, so wallet revenue is reported once and reconciled against a single set of sales.

Why does a wallet payout need reconciling at all?

Because it arrives as one figure, net of charges, covering many small sales. Until it is broken back down, the deposit matches nothing in your records and the cost of the payment method never reaches the order.

Can we see which payment methods cost us most?

Yes — with deductions attributed at order level, the payment mix and its cost can be compared on the same basis across the business.

Take the tap. Explain the payout.

See how SmartB matches GrabPay settlements to your counter and online sales.

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