“Can a government-focused payment processing company become the dominant infrastructure layer for state-mandated family support disbursements in the United States?”
Founded in 1971 as a local computer consulting firm in Carrollton, Georgia, SMI evolved over five decades into a specialized government payment solutions company. The company pivoted to focus on child support disbursement and State Disbursement Unit (SDU) operations, now serving 16 states. A key embedded finance product is the smiONE Visa Prepaid Card, managing disbursements for over 2 million cardholders across 12 states and 13 tribes, with The Bancorp Bank as a known banking partner underpinning the prepaid card program.
Systems & Methods Inc. discloses The Bancorp Bank as its banking provider, according to the Embedded Finance Index 2026.
Systems & Methods Inc. does not disclose a bank charter of its own; its banking services are provided through The Bancorp Bank.
Systems & Methods Inc. processes payments through smiONE Visa Prepaid Card (self-operated).
Systems & Methods Inc.'s cards are issued through The Bancorp Bank.
The Embedded Finance Index 2026 maps 4 layers in Systems & Methods Inc.'s stack: Payments / PSP (smiONE Visa Prepaid Card (self-operated)); Banking / BaaS (The Bancorp Bank); Card issuing (The Bancorp Bank); Sponsor bank (The Bancorp Bank).
Systems & Methods Inc. is founded in 1971 and headquartered in Carrollton, GA, United States.
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