API Requests & Responses

This page, and it's links, gives details on how to use SmarterPay Cloud API.

If you have issues with SmarterPay Cloud API please contact support, either by telephone on +44 (0)1482 240886, or by email at support@smarterpay.com



The SmarterPay Cloud API is based on a REST service using JSON-formatted requests and responses.
The SmarterPay Cloud API is only available over HTTPS. Attempting to access the API over an unsecured HTTP connection will return a TLS_Required error.

To start using the SmarterPay Cloud API, you will require API credentials, which can be found within the SmarterPay Cloud Portal or from your SmarterPay representative.
The API credentials are consumed, in each REST call, by providing it as a Bearer token in the Authorization header.


The “Content-Type” header must also be provided when sending data to the API, using POST and PUT methods, passing either the standard JSON MIME type (application/json), or the JSON-API variant (application/vnd.api+json).


All requests and responses are UTF-8 encoded. Providing the “Accept-Charset” header is optional, but recommended.


Example API Request Header

Authorization: Bearer <token>
Content-Type: application/json
Accept-Charset: utf-8





The following REST URLs are available to connect to SmarterPay Cloud API. For more information, including API request and response parameters, please use the Rest Service or Option Links below.

Rest Service Base URL Options
Bank Account https://api.smarterpaycloud.com/Service.svc/BankAccount Create, Details, Disable
Client Bank Account https://api.smarterpaycloud.com/Service.svc/Clientbankaccount Details (Singular), Details (List), Details (By SUN)
Credit https://api.smarterpaycloud.com/Service.svc/Credit Create, Details, Update
Customer Account https://api.smarterpaycloud.com/Service.svc/CustomerAccount Create, Details, Update
Mandate https://api.smarterpaycloud.com/Service.svc/Mandate Create, Details, Update
Modulus Check https://api.smarterpaycloud.com/Service.svc/ModulusCheck Check
Payment https://api.smarterpaycloud.com/Service.svc/Payment Create, Details, Update
Payment Re-present https://api.smarterpaycloud.com/Service.svc/Payment/{ID}/Represent Create
Recurrence Schedule https://api.smarterpaycloud.com/Service.svc/RecurrenceSchedule Create, Details, Disable, Update
Service User Number https://api.smarterpaycloud.com/Service.svc/ServiceUserNumber Details (Singlar), Details (List)

{ID} denotes ID of record.

If you have UAT facilities with SmarterPay, please replace “api.smarterpaycloud.com” with “uatapi.smarterpaycloud.com” in the URL to access the testing environment.


Each API request will result in a response code and response text. You may encounter the following response codes. Any unsuccessful response codes will contain more information to help you identify the cause of the problem

200 OK should be the standard response for a successful API request. Other error codes may require further investigation.


Code Message Description
200OKStandard response for successful HTTP requests.
204No ContentThe server successfully processed the request, and is not returning any content.
400Bad RequestThe server cannot or will not process the request due to an apparent client error (e.g., malformed request syntax, size too large, invalid request message framing, or deceptive request routing).
405Method Not AllowedA request method is not supported for the requested resource; for example, a GET request on a form that requires data to be presented via POST, or a PUT request on a read-only resource.
406Not AcceptableThe requested resource is capable of generating only content not acceptable according to the Accept headers sent in the request.
498Invalid TokenCode 498 indicates an expired or otherwise invalid token.
500Internal Server ErrorA generic error message, given when an unexpected condition was encountered and no more specific message is suitable.
  • Last modified: 2021/09/24 12:35