A. If you are a business with a low (less than 21) or no credit score, then our SmartPay product will still enable you to get access to competitive supply prices. It is essentially a prepay product that allows you to control when and how much you pay. It’s ideal for businesses with unpredictable cash flow. Top-up when it suits you best online, by phone or set up a Direct Debit for automated payments. Credit alerts to manage your levels can be sent by SMS and/or email (electricity only).