So, Why a FinTech-Driven Platform?

Let’s be honest. Distribution alone doesn’t run a vacation rental business anymore.
Selling on multiple platforms without control over payments, revenue flows, and reporting simply moves the problem elsewhere. Bookings are useless if the money behind them is fragmented, unclear, or risky.
That’s where Smily’s FinTech comes in.

From Bookings to Bank Accounts, Fully Under Control.

Smily doesn’t just help you get booked across Airbnb, Booking.com, and other channels.
It connects those bookings to a unified financial system that manages how money is collected, split, reconciled, reported, and protected.
This approach doesn’t just reduce dependency on one platform.
It removes financial blind spots and operational risk.

The Difference Is Not Just More Bookings
It’s Controlled Revenue

Without a Unified FinTech Layer

Payments scattered across platforms

Manual reconciliation and spreadsheets

Owner questions you can’t answer instantly

Revenue leakage and compliance stress

With Smily’s FinTech

Centralized payments across top channels

Clear visibility on where every euro goes

Automated reconciliation and reporting

Secure, compliant, scalable revenue flows

Do You Want Financial Clarity at Every Step?

Then Schedule For A Smily Demo Today!

Schedule a Demo

Smily Controls the Money Behind Every Booking

‍After pioneering channel management, Smily is now leading the next evolution of vacation rentals: FinTech built for real operations.

We’re the first platforms to make Payments Reconciliation and Cancellation Protection simple, secure, and scalable, directly inside one unified system.

If you’ve ever managed bookings but struggled to clearly track payments, splits, cancellations, or payouts, you already know why this matters.

And it’s not theoretical. Smily’s FinTech was tested in real portfolios before it became a product.

Today, our customers are not just booking more. They are running financially controlled businesses, with clearer revenue flows and an average revenue increase of 40%.

But That’s Not All Smily Does...

Smily Provides All You Need To
Manage, Book, and Grow
Your Vacation Rentals Online…

All In One Convenient Spot!

Smily's FinTech is...

Your Payment Engine with SmilyPay

SmilyPay is the foundation of Smily’s FinTech stack. It centralizes how money flows through your business, from guest payments to owner payouts, with full control, compliance, and transparency.

With SmilyPay, you can:

Collect, hold, and route payments securely within Smily

Automate payment flows across bookings and channels

Ensure 3DS and PCI-DSS compliance without external tools

Schedule a Demo

Learn more about SmilyPay →

Smily's FinTech is...

Your Credit Card Acceptance Layer

Accept credit cards seamlessly across all channels and booking sources, without juggling payment providers or manual setups.

With Credit Card Acceptance, you can:

Accept major cards across OTAs and direct bookings

Reduce payment friction for guests

Secure transactions with built-in compliance and fraud prevention

Schedule a Demo

Learn more about Credit Card Acceptance →

Smily's FinTech is...

Your Payments Reconciliation System

Every payment, fee, refund, and commission automatically reconciled. No spreadsheets. No guessing.

With Payments Reconciliation, you can:

Match payments to bookings in real time

Track discrepancies instantly

Eliminate manual reconciliation errors

Schedule a Demo

Learn more about Payments Reconciliation →

Smily's FinTech is...

Your Revenue Distribution Engine

Smily’s Revenue Distribution gives you absolute clarity on where every euro goes, for every booking, across your entire portfolio.

With Revenue Distribution, you can:

See exactly how each euro is split, line by line

Apply clear, predefined distribution rules per contract or property

Build trust with owners through transparent, auditable payouts

Schedule a Demo

Learn more about Revenue Distribution →

Smily's FinTech is...

Your Financial Reporting Hub

Clear, reliable financial data you can trust, available instantly.

With Financial Reports, you can:

Generate detailed financial statements per property or portfolio

Track revenue, fees, taxes, and margins

Make confident decisions based on real numbers

Schedule a Demo

Learn more about Financial Reports →

Smily's FinTech is...

Your Split Payment Solution

Split payments automatically, without manual calculations or post-stay adjustments.

With Split Payment, you can:

Split guest payments automatically between all stakeholders

Reduce “Carte G” requirements by avoiding holding owner funds

Ensure compliant, transparent payouts without manual handling

Schedule a Demo

Learn more about Split Payment →

Smily's FinTech is...

Your Cancellation Protection

Smily’s Cancellation Protection helps you secure revenue when cancellations happen, without damaging the guest experience or relying on rigid policies.

With Cancellation Protection, you can:

Attract bookings with flexible cancellation rates

Keep 96% of rent even when guests cancel

Add a new profit stream per booking, automated in Smily

Schedule a Demo

Learn more about Cancellation Protection →

Smily's FinTech is...

Your Damage Protection

Smily’s Damage Protection safeguards properties against accidental damages without deposits, disputes, or awkward conversations with guests.

With Damage Protection, you can:

Cover accidental damages without requesting a security deposit

Protect owners and properties with clear, predefined coverage

Avoid guest friction, disputes, and post-stay payment issues

Schedule a Demo

Learn more about Damage Protection →

Frequently Asked Questions

Who actually holds the money, and do I stay in control?

You remain in control of payment rules and cash flow at all times. SmilyPay orchestrates how payments are collected, allocated, and distributed, with funds moving strictly according to the rules you define and applicable OTA payout requirements. Depending on the channel and configuration, Smily may temporarily hold funds, for example until after check-in, while maintaining full visibility and traceability for every transaction.

Is Smily compliant with PCI-DSS, GDPR, and local regulations like Carte G?

Yes. Smily’s FinTech stack is built to be PCI-DSS and GDPR compliant. Features like Split Payment are specifically designed to reduce regulatory exposure, including minimizing Carte G requirements by avoiding the retention of owner funds by the property manager.

How is this different from OTA payments or a standard payment provider?

OTAs only handle payment collection for their own bookings. Smily centralizes payments across many channels including Airbnb, Booking.com and connects them to reconciliation, revenue distribution, financial reporting, split payouts, and protection features. Smily manages the entire financial lifecycle, not just the transaction.

Will reconciliation and reporting really eliminate spreadsheets?

Yes. For all supported channels, payments, refunds, fees, commissions, and payouts are automatically reconciled to each booking in real time. Financial reports are generated from this reconciled data, removing the need for manual spreadsheets and reducing errors.

Can I clearly explain to owners where every euro goes?

Yes. Revenue Distribution provides a transparent, line-by-line breakdown of how each euro is allocated between rent, commissions, taxes, platform fees, services, and payouts. This clarity is designed to reduce disputes and build long-term owner trust.

Do protection products (Cancellation Protection, Damage Protection) create guest disputes?

No. Cancellation Protection and Damage Protection are designed to reduce disputes, not create them. Terms are clear upfront, processes are automated, and protections replace rigid policies or deposits, preserving flexibility for guests while securing revenue and properties.

So, Why a FinTech-Driven Platform?

The Difference Is Not Just More BookingsIt’s Controlled Revenue

Without a Unified FinTech Layer

With Smily’s FinTech

Then Schedule For A Smily Demo Today!

Smily Controls the Money Behind Every Booking

Smily Provides All You Need To Manage, Book, and GrowYour Vacation Rentals Online…

Your Payment Engine with SmilyPay

With SmilyPay, you can:

Your Credit Card Acceptance Layer

With Credit Card Acceptance, you can:

Your Payments Reconciliation System

With Payments Reconciliation, you can:

Your Revenue Distribution Engine

With Revenue Distribution, you can:

Your Financial Reporting Hub

With Financial Reports, you can:

Your Split Payment Solution

With Split Payment, you can:

Your Cancellation Protection

With Cancellation Protection, you can:

Your Damage Protection

With Damage Protection, you can:

Smily Gives You Everything You Need For Vacation Rentals Management

Channel Manager

Direct Booking Website

Payment Solutions

Smily AI

Unified Inbox

Revenue Management

Task Management

Performance Dashboard

Email Marketing

Reviews Management

CRM

Mobile App

Remarketing

Owners Portal

Account Management

Split Payment

Experience Smily's FinTech for Vacation Rental Managers Today!

Want To Hear What Property Managers Like Yourself Have To Say About Smily?

Frequently Asked Questions

The Difference Is Not Just More Bookings
It’s Controlled Revenue

Smily Provides All You Need To
Manage, Book, and Grow
Your Vacation Rentals Online…