SmartPay - Frequently Asked Questions


SmartPay Online

Make a Payment


  • How do I pay online?
    Use your library card number and PIN to log in to SmartPay from the Library home page. You will be able to see your balance and select items to pay with your credit card.
  • What forms of payment are accepted for online payments?
    You may use Discover, MasterCard or Visa credit cards, and debit cards displaying the MasterCard or Visa symbol. Regular debit card payment with PIN is not currently available.
  • Is my payment secure?
    Yes. We use Secure Sockets Layer (SSL) encryption to protect the security of your credit card information as it is transmitted. Our payment site has an extra layer of protection in the form of a security certificate.
  • Does the Library save my credit card information?
    No. The Library will not store your credit card information. You will have to enter the credit card information again if you wish to pay online again.
  • What are the overdue fines for library materials?
    All Anne Arundel County Public Library materials are exempt from overdue fines. A $0.30, daily fine, maximum fine amount $15.00, fine is charged for Interlibrary Loan (Marina) items each day an item is overdue, excluding Sundays, library holidays and system-wide closures.
  • Is a service fee charged when paying online?
    No service fee is charged for paying online.
  • Is there a minimum amount that must be paid online?
    There is no minimum amount that has to be paid online.
  • Can I choose to pay only a portion of the Interlibrary loan fines owed?
    Yes. You can select the fines that you would like to pay. However, each selected fine must be paid in full; you cannot pay a partial amount of a selected fine.
  • How do I get a receipt when I pay my Interlibrary loan fines or fees online?
    A receipt for the payment of fines/fees will appear after you successfully conclude your transaction. It will show the last four digits of your credit card and the date, amount and purpose of your payment. This confirmation page should be printed (or saved to print later) as a receipt, as no email confirmation
  • I received a message that my transaction was declined.  What do I do?
    If your credit card transaction is declined, your fines and fees will remain on your library account. Contact the financial institution that issued your credit card to determine why the transaction was declined.
  • What else should I know about using my credit card on the SmartPay website?
    A failed transaction may leave a pending charge on your account, but such pre-authorized amounts normally clear within 24 hours and do not reflect actual charges to your credit card. Also, as in any online payment process, clicking the Finish (submit) button multiple times may result in duplicate payments.
  • I cannot log in to the SmartPay site. What should I do?
    First try closing and reopening your browser before trying again. Make sure you are using the correct number on your Library card and the right PIN. If you are sure you are using the right numbers but still cannot log in to the SmartPay site, please contact your nearest library location for assistance.
  • I have questions about my library account.  Who should I contact?
    If you have questions regarding the amount due on your library account, please contact your nearest library location for assistance.

Privacy Policy - Circulation Loans & Overdue Fines Policies - Library Basics