# Systems & Methods, Inc. (SMI)

> Systems & Methods, Inc. (SMI) is a family-owned government payment technology and operations company founded in Carrollton, Georgia, in 1971. It processes and disburses child support, operates state disbursement units, manages the smiONE prepaid card program, and provides government accounting software. Its consumer fintech business includes Kudzu and the PayPerks financial education platform.

- **Founded:** 1971
- **Headquarters:** Carrollton, United States
- **Founders:** Bob Stone (Founder)
- **Products:** SMART Child Support Solution, smiONE Visa Prepaid Card, SMILE Financial Management, SMART Pay, Kudzu
- **Notable:** SMI reports more than 76 million payments processed annually and 99.99% payment processing accuracy on its SMART page., The smiONE program won Best B2C Payments Programme at the 12th annual Emerging Payments Association Awards., Carroll County Chamber of Commerce named SMI Entrepreneur of the Year on January 20, 2017.

## Products & services

- **SMART Child Support Solution** — Child support payment collection, processing, disbursement, SDU operations, reporting and customer service tailored to government agencies.
- **smiONE Visa Prepaid Card** — Reloadable prepaid card program for government payment recipients; issued by The Bancorp Bank, N.A. SMI’s history records Georgia, North Carolina and Modoc Tribe launches in 2011.
- **SMILE Financial Management** — Government accounting and financial management covering budgeting, general ledger, payroll, assets, reporting and employee/vendor self-service; agency relationship dates to 1978.
- **SMART Pay** — Payment acceptance for parents, employers and other remitters through credit/debit cards, ACH, digital wallets, text and cash, with reporting and merchant configuration.
- **Kudzu** — Consumer online banking app combining spending and savings tools with financial education. Kudzu is a fintech company; banking services are provided by The Bancorp Bank, N.A.
- **PayPerks** — Financial education and rewards platform acquired in May 2021 for integration into smiONE; also used in Kudzu.

## Achievements

- SMI reports more than 76 million payments processed annually and 99.99% payment processing accuracy on its SMART page.
- The smiONE program won Best B2C Payments Programme at the 12th annual Emerging Payments Association Awards.
- Carroll County Chamber of Commerce named SMI Entrepreneur of the Year on January 20, 2017.
- Established the Stone Center with the University of West Georgia in 2021.

## Latest updates

- **2025-01** — SMI announced Tanguler Gray as Executive Vice President of Operations on January 21, 2025, following her service as federal Office of Child Support Services commissioner.
- **2024-06** — Kudzu and the University of West Georgia announced their student personal finance partnership on June 13, 2024.

## Links

- Website: https://www.smi-inc.com/
- LinkedIn: https://www.linkedin.com/company/systems-&-methods/
- Facebook: https://www.facebook.com/SystemsAndMethods/

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Last updated: 2026-10-16