SmPay is a straightforward Android app developed by Workmate, designed for paying water bills securely. Users can conveniently utilize BHIM UPI, credit cards, debit cards, or wallets for bill payments. The app offers features like accessing bill details, lodging complaints, communicating with committee members, and receiving notifications about water supply interruptions.

Furthermore, SmPay integrates with the Razorpay payment gateway, ensuring a seamless payment experience. Through Razorpay Checkout, users can choose from various payment methods, providing flexibility and convenience. Refunds are processed back to the original payment method, such as credit cards, with a typical processing time of 5-7 business days for the amount to reflect in the customer's account.