SupportPay

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Frequently Asked
Questions

Got questions? We’ve got answers.

Whether you’re splitting family expenses, trying to boost your credit, navigating child support, or just curious about how SupportPay works—you’re in the right place. Click a tab below to find answers fast, skip the guesswork, and get back to living your life.

SupportPay Questions

SupportPay Is:

  • A tool for families to split, track, and manage shared family expenses—no government or middleman involved.

  • A way to eliminate the guesswork (and the arguments) with shared receipts, schedules, and payment tracking.

  • Full transparency so everyone knows where money is going, with records to back it up.

  • A peacekeeping tool for parents, caregivers, and family members who want to talk about their loved ones—not argue about money.

SupportPay Is Not:

  • A child support calculator—we link to your state’s tools for that and provide a calculator that you can use.

  • A government-run system—we help you work outside or alongside state support agencies.

  • A child support enforcement agency—we don’t chase anyone down, but we do arm you with certified records in case you ever need to.

  • A legal authority—we’re not a lawyer, judge, or mediator. We organize your financial records so they can do their job faster.

Revolutionizing Modern Family Finances.

We are riding the gap in personal finance – when money spans households or bank accounts. When family members need to split, track, and share financial information, schedules, and communications but keep the rest of their financial life private.

It ends family fights over money by simplifying the time consuming, conflict ridden and stressful process of splitting, tracking and sharing expenses, payments, schedules, communications.

Nope. It works best when everyone joins in, but it’s still powerful for one. You can track and manage your end, even if others aren’t on board yet.

Not at all. Only one person needs a paid plan. Everyone else can use the free lite version—because sharing expenses shouldn’t require everyone to pull out their wallets just to get started.

Not at all. Only one person needs a paid plan. Everyone else can use the free lite version.

SupportPay is using the most advanced security techniques to ensure your data is save and secure, from everyone. Your privacy is non-negotiable.

  • We use advanced encryption and storage separation to keep your financial info secure.

  • All private data is encrypted in flight and at rest.

Only what you want them to see. You control what gets shared—by category, group, or item.

Want to keep something private? No problem.

There’s a free version to get started, and flexible pricing for when you’re ready to level up.

  • Monthly or yearly plans (save more with annual).

  • Cancel anytime.

  • We offer discounts if you need support—because our mission is to help families, not price them out.
    Check out our pricing for full details.

Anywhere, really.

We’ve got users in all 50 states, U.S. territories, and over 70+ countries.
If you’ve got family, bills, and a need to keep the peace—we’re there.

SupportPay is offered in both English and Spanish – in the product and with our support team.

Today we support bank invitations from US banks and ACH between US banks but we will be expanding soon.

While there are no direct competitors to SupportPay – our biggest competitors are all of the individual applications, manual processes, data living in a bunch of different places. Anywhere from tracking in a notebook, to spreadsheets, text messages, emails, etc.

Here’s why SupportPay is built for more than just sending money:

  • No receipts or records: Venmo and Zelle don’t offer itemized receipts or exportable history. So good luck at tax time… or in court.
  • Only tracks one-to-one payments: If you’re trying to stay on top of who paid what and when—it’s manual, messy, and easy to miss.
  • No recurring payments (Venmo): You’ll have to remember to send that support or reimbursement every. single. month.
  • No way to dispute charges: Sent the wrong amount or didn’t get paid back? Tough luck.

SupportPay does it all: We let you record any payment—Venmo, Zelle, checks, you name it—and even attach receipts or screenshots, so everything is tracked in one place.

Not really. It feels instant… until you actually try to use the money.

  • Venmo-to-Venmo is quick, sure—but transferring that money to your bank account? That’s standard ACH, which takes 5–7 business days unless you pay a fee for instant transfer.

  • SupportPay uses direct ACH transfers between bank accounts, typically landing in 3 business days—without extra fees.

So in the end, SupportPay is just as fast (and often faster)—plus, we give you full tracking, receipts, and dispute protection.

We offer flexible payment options because life is rarely one-size-fits-all.

1. Record Manual Payments

Pay with cash? Venmo? Carrier pigeon with a debit card? No problem. You can manually log any payment and even upload a receipt or screenshot, so everything stays documented in one place.

2. SupportPay Payments 

  • Bank-to-bank transfers: Connect your bank account securely. If the other party connects theirs too, we process a direct ACH transfer between accounts—simple, secure, and done in about 3 business days.

  • They’re not connected? No worries. You can still send:

    • A digital check (yep, that’s a thing)

    • Or a good old-fashioned physical check (we mail it for you)

No jumping between apps. No missed payments. Just one place to manage it all—minus the drama.

It’s a game-changer. SupportPay is the only platform that offers shared bill payment.

Here’s how it works:

  • You upload a bill—like daycare, medical, or care-home fees.

  • Each family member can pay their share directly to the service provider—no middleman, no waiting on reimbursements, no awkward reminders.

It’s transparent, trackable, and way less stressful. Because sharing expenses shouldn’t require one person to be the bill collector.

Because when it comes to legal, financial, and tax matters, screenshots and spreadsheets just don’t cut it.

SupportPay provides certified, court-admissible records—complete with receipts, timestamps, and detailed payment history. This matters in situations like:

  • Court proceedings: Child support, custody modifications, or probate cases

  • Power of attorney & financial executors: Required to show exactly how money is spent, often with receipts

  • Trusts & caregiving: Managing money for someone else? You’ll need solid documentation

  • Taxes: For deductions like medical expenses, alimony, or the dependent care credit, certified records help you qualify—and protect you in case of an audit

  • Alimony audits: It’s the IRS’s favorite red flag. If the payer claims it as a deduction but the recipient doesn’t report it, things can get messy fast

Even HSA and Dependent Care FSA reimbursements often require official documentation.

Bottom line: SupportPay keeps your records airtight, so you’re covered—whether you’re in court, under audit, or just need peace of mind.

Credit Reporting Questions

Create your family in SupportPay

One family member sets up the household and invites other family members to join.

Everyone connects their bank account

Each family member links the account they’ll use to send or receive payments.

Set up what money is for

Create an expense, a bill, or a direct payment inside SupportPay so everyone is clear on what’s owed and why.

Payments happen inside SupportPay

The family member responsible for paying (the sender) sends the payment directly through SupportPay tied to that expense.

The payment is recorded against the expense

SupportPay marks it as paid and keeps the history organized, so there’s less confusion and fewer follow-ups.

Credit Boost participation happens by choice

If the sender opts in, SupportPay uses the minimum info needed (starting with date of birth) to match to the right credit profile and report eligible on-time payment activity.

Nope! Connecting a bank account helps them get paid faster, but it’s optional. You can still send payments directly through SupportPay, and those payments will count toward your credit reporting.

You can manually log outside payments—like Venmo, Zelle, or even cash—right in SupportPay. However, since these payments aren’t made through our system, we can’t independently verify or certify them for credit reporting.

For verified records and credit-building benefits, it’s best to make payments directly through SupportPay.

Yes – our trusted reporting partner has had zero issues with the bureaus processing the files. The reporting is set up as positive-only, so there’s no downside risk to your score. Once the bureau accepts the file and it hits their system, scores typically reflect the change within 30-45 days of the first report.

We need at least 3 months of consistent, on-time payments to report to the credit bureaus. That’s why it’s smart to start now—the sooner you build your history, the sooner you can see your score build.

Not today, since we can’t independently verify garnished wages, we’re unable to confirm those payments for credit reporting.

But we’re exploring ways to make this possible in the future. If it’s something you’d like to see, let us know here.

If you’re currently having wages garnished, you can request to stop them and start making direct payments through SupportPay instead. That way, your payments can count toward your credit. Check out our blog post on how to stop wage garnishment and take back control: here.

Great news—you get two big benefits:

  1. Credit boost – If your family member sends payments to you through SupportPay, they can build their credit score, and you benefit by having a reliable, trackable payment history.

  2. Income verification – You get a certified record of payments received that matches the deposits in your bank account.

In short: less stress, more proof.

We currently report to Experian, with additional bureaus coming soon. We’re actively working to expand our reporting network—because the more eyes on your positive payment history, the better for your credit score.

  1. It depends on your credit profile, but users have seen increases of 10 to 160+ points after a few months of consistent, on-time payments. The key is building a reliable track record—and SupportPay helps you do just that.
  2. A few things to note: Even if you make payments with SupportPay if a collection or delinquency or negative item appears on your credit, your credit score will drop but that has nothing to do with SupportPay

The key is building a reliable track record—and SupportPay helps you do just that.

Apps like Venmo and Zelle move money but SupportPay moves money and keeps a certified record of it.

Here’s why we’re the better option:

    • Everything in One Place: We track payments, expenses, and agreements all in one spot – no more jumping between apps and searching through old messages or papers to find what you’re looking for.

    • Credit Reporting: Payments through SupportPay can help boost your credit score, while other apps don’t offer that.

    • Certified Records: We provide official documentation that matches your bank statements, making it easy to prove payments when needed.

    In short, SupportPay is designed to keep families organized, transparent, and on track—while other apps are just designed to send money.

Since all data is stored, categorized and archived we have the legal documentation to export the information and break down by person and history all of the money moved through SupportPay.

No this is not a credit card. We are simply reporting payments that you are sending to another family member or friend.

  • Not everyone is opted in. Credit Boost is optional.
  • Only senders qualify right now. If you’re the one sending payments through SupportPay, you’re eligible to participate.
  • When you choose to turn it on, we use your date of birth to match to your credit profile, and we only collect what’s needed to report your payment activity.

No one – we’re the first. SupportPay is the only modern family finance platform that gives you credit for paying family expenses and support. We’re pioneering a new way to build your credit while managing family finances.

Child Support Questions

Child support is a legal obligation to help cover a child’s living and medical expenses until they reach adulthood.

  • Both parents are legally responsible.

  • Payments are based on income and custody time, and the goal is for kids to benefit from both parents’ financial support.

  • A court may order one or both parents to pay child support, creating what’s called a “child support order.”

Because you’ve got nothing to hide and everything to gain:

Share receipts, track every dollar, and show exactly how much raising a kid really costs.
Avoid awkward texts or arguments—SupportPay handles the math and the messaging.
Keep a full expense history ready for court, just in case.
Spend your energy on parenting, not chasing payments.
Win-win for everyone—especially the kids.

A judge, support commissioner, or state agency decides—based on:

  • Both parents’ income (yep, all of it: wages, bonuses, unemployment, disability, etc.)

  • How much time the child spends with each parent
    You can try our child support calculator for an estimate, but your state agency gives the final word.

State systems only handle base support. SupportPay helps you:

  • Track all payments—base, extras, alimony, arrears, and more

  • Upload receipts and notes for anything outside the court-ordered amount

  • Keep full documentation to protect yourself and reduce misunderstandings
    It’s the perfect sidekick to your official setup.

Nope.

  • Base support is set up as recurring payments.

  • Receipts are only required for extra expenses (like medical or school costs).

Absolutely.

  • Track any money exchanged—alimony, spousal, family support, etc.

  • Get clean, year-end totals for tax season.

  • Make audits (and arguments) disappear.

  • State agencies handle basic child support, usually without tracking extras or encouraging communication.

  • SupportPay tracks everything—not just the base amount.

They can:

  • Establish paternity

  • Locate parents

  • Request and enforce court orders

  • Collect and distribute payments

They can’t:

  • Handle custody, visitation, divorce, or restraining orders

  • Set up or manage alimony/spousal support

Yes.

  • Every child support order must include health coverage.

  • If it’s not available now, the court will require it when it is.

Typically until the child turns 18 (or 19 if still in high school full time).

Some cases may extend support into adulthood for special circumstances.
Owe back support (arrears)? You pay until every last dollar (plus interest) is cleared.

Nope—your case details are confidential.
But… documents filed in court or recorded at the county level? Those are public records.

Company Questions

Smart Family Tech, Inc. is the parent company of SupportPay.

Our mission? Simple: End family fights over money.

We’re all about teaming up.


If you’ve got an audience or community that could benefit from SupportPay, let’s talk. Reach out via our Contact Form and tell us a bit about what you have in mind. We love win-wins.

We love win-wins.


If your product or service aligns with our mission to simplify family finance and reduce conflict, drop us a line through the Contact Form. We’d love to explore what’s possible.

We love that for us—and for you.

Use our Contact Form to introduce yourself. We’ll follow up quickly with next steps. Let’s make big things happen together.

Got your own Question?

Visit our Contacts page to get in touch