Here are the best mobile apps and merchant solutions Sri Lankan SMEs commonly choose right now — quick summary, why they’re useful for SMEs, and official sources so you can check features/fees yourself.

Top picks (what they do best)

• Commercial Bank — ComBank Digital (Business) + ComBank Q+ (merchant/QR). Strong business/mobile platform with multi-user roles, bulk payments, payroll/bulk salary features and an extensive merchant QR/payment ecosystem (Q+). Good for SMEs that need both corporate banking and modern QR acceptance. (combank.lk)

• Hatton National Bank (HNB) — HNB Digital / HNB SOLO. HNB’s digital banking app is highly rated and supports SME features (fund transfers, beneficiary/limit management, approvals), while SOLO is a widely-used digital wallet / merchant QR solution. Good for SMEs wanting strong UX, local language support and QR acceptance. (hnb.net)

• NDB — NEOS BIZ. A business-focused mobile app built on NDB NEOS that targets SMEs: multi-user roles (input/authorizer), transaction approvals, bulk salary and supplier payments, merchant QR — designed specifically for SME workflows. (ndbbank.com)

• Sampath Bank — Sampath Vishwa (internet/mobile banking) + WePay (merchant/LankaQR). Sampath’s ecosystem offers retail/business banking, wallet/merchant QR acceptance (WePay), and easy merchant onboarding — helpful if you need low-cost QR acceptance and wallet features. (apps.apple.com, sampath.lk)

• Bank of Ceylon (BOC) — B App + Pieze (merchant payment platform). B App covers standard mobile banking (transfers, bill pay, statements) and Pieze is BOC’s merchant payment/online-payments platform for SMEs and e‑commerce. Good choice for businesses that prefer a state-owned-bank network and T+1 settlement. (boc.lk)

• DFCC / Seylan / People’s Bank — DFCC One, Seylan Mobile Banking, People’s Pay. These banks’ mobile apps offer standard SME-friendly features (fund transfers, bill payments, e‑passbook, merchant/payment acceptance options or card-readers). Consider them if you have existing relationships or prefer their merchant devices (e.g., Seylan M-Pay). (apps.apple.com, seylan.lk, peoplespay.lk)

How I evaluated these (quick checklist for SMEs)

• Multi-user & approval workflows (owner, inputters, authorizers) — important for payroll and supplier control (NDB NEOSBIZ, ComBank Business highlight these). (ndbbank.com, combank.lk)
• Bulk transactions / payroll support — saves admin time for SMEs (NEOSBIZ, ComBank Business). (ndbbank.com, combank.lk)
• Merchant acceptance (LANKAQR / QR apps) and easy onboarding — crucial for retail-facing SMEs (ComBank Q+, Sampath WePay, HNB SOLO, BOC Pieze). (combank.lk, sampath.lk, hnb.net, boc.lk)
• Local support, language options and app ratings — helps staff adoption (HNB and others note trilingual/upgraded apps). (hnb.net, dailymirror.lk)
• Integration & reporting (statement downloads, reconciliation, API or file upload) — important for accounting workflows (many banks advertise statement exports and bulk-pay features). (combank.lk, ndbbank.com)

Practical tips when choosing

• Ask the bank about SME-specific features you need: bulk salary/EPF/ETF support, multi-user approvals, daily limits, API or file formats for accounting reconciliation, merchant onboarding time and MDR (merchant discount rate).
• Compare merchant fees (MDR), settlement time (T+1 etc.), and hardware costs if you need a card reader.
• If you accept walk-in customers, prioritize LankaQR support (works across many apps) and easy merchant self‑registration.
• Try the app ratings / recent changelog in the App Store / Play Store to check stability and recent updates.

If you want, I can:

• Produce a side‑by‑side comparison (features, onboarding requirements, likely fees) for 3–5 of the apps above, or
• Pull the latest MDR and onboarding documents for 2 banks you’re considering.

Which of the above would you like compared in detail?