SmartPay.me is an on-premise or cloud based solution to let Retailers and Banks deploy a White-Label Mobile Instant Checkout (EMV/SCA/PSD2/PISP/TISP) solution with Biometry, inside their own mobile App and Website. Our solution is Full Stack. We link through APIs & SDKs in between the shopping cart, banks and the retailers’ payment service provider with only a few lines of code to implement hidden behind the Checkout button. Customers simply click the checkout button and use their phones' biometrics identification solution (fingerprint, facial or voice récognition) to confirm the checkout. No Enrolment, no registration, no identification, no credentials or credit card info to provide. This project aim to directly address the +68% dropout rate in eCommerce checkout (+83% on mobile) with our white label MIC solution: 1 click & a fingerprint to raise success rate up to +90%. And with our EMV Wallet (PSD2) embedded in our MIC solution, we enable banks to deploy “card present” transactions for digital payments in order to kill fraud down to 0.04% as in in-store transactions using phones' biometrics identification for Instant Checkouts.