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SMART Payment Plan®

We started in 2003 and offer the most reliable, hassle-free and flexible bill payment service in the country. We are innovative, customer-centered and focused on making things simple and easy.

We bring you the best customer service, the simplest and most advanced processing systems and the best people. We are reliable, professional, smart and dedicated to helping you.

We are committed to providing amazing customer service; keeping things simple; making things easy; developing repeat clients; offering hassle-free service; and serving more Americans.

Please call us at 888.88.SMART to learn more.

Leadership of SMART Payment Plan®

David Engleman

David Engelman Chief Executive Officer

David is a results-focused and driven leader with an unrivaled commitment to customer success. In 2003, David founded SMART Payment Plan and provides daily leadership in all aspects of the company. He is passionate about providing the easiest and most customer-friendly bill payment service in America. Previously, David graduated with honors from SLU School of Law and founded American Legal Funds, a finance company serving attorneys and their clients. In addition to being a customer success fanatic, David enjoys golf, sports, technology, reading, travel and time with his family.

Cary Berman

Cary Berman Chief Finance Officer

Cary has held senior management and consulting positions with Fortune 100 companies. He previously served as the CFO for VirtualSellers, a financial services and processing company serving the telecommunications, eCommerce, and cable industries. Cary also served as a Senior Financial Consultant for Blue Cross Blue Shield. Cary served as the CFO of American Legal Funds, a financial services company in the legal industry. He is a graduate of the University of Illinois, with a bachelor’s degree in Economics and Indiana University, with a Masters in Business Administration (MBA) in finance and strategy. Cary enjoys sports and spending time with his wife and two children.

Jackson Bigham

Jackson Bigham General Counsel and Chief Compliance Officer

Jackson is a dynamic legal strategist with a broad array of consumer protection experience. Prior to joining SMART Payment Plan, he spent ten years in private practice litigating high-stakes complex matters involving consumer fraud, deceptive trade practices and antitrust. He received his Juris Doctorate from the University of Minnesota. Jackson is married and has a young son, Hudson. In his spare time, he enjoys golf, tennis, cycling and traveling with his family.

Joel Kleppinger

Joel Kleppinger Chief Technology Officer

Joel Kleppinger is a computer professional with 15 years experience in IT and has been with SMART Payment Plan since 2008. He was an author and technical editor of articles on IT and PC topics for,, and He has co-written an end-to-end ecommerce, billing, and order fulfillment website for and consulted on web initiatives for the Archdiocese of St. Louis and Joel graduated with top honors in Computer Science from Evangel University. When he decides to ignore his email, Joel enjoys backpacking with his wife in the mountain wilderness, cycling, and playing basketball.

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