About Us

Our Story

Smart Refill was founded in 2006 in Helsingborg, Sweden, to provide consumers with a simple way to top up their prepaid phone numbers on the go. After a successful period of creating prepaid solutions for the telecom industry, Smart Refill has grown to offer complete solutions for payments, top-ups and subscription management and be the no.1 fintech partner for TelCos. We’re a PCI-DSS Level 1 certified e-money Institution (PSD2) and a Licenced Digital-Post Provider partnering with leading TelCos like Telia, Telenor, Tre and Ezys.
Smart Refill is fully owned by BGA Invest, an investment company based in Lund focusing on regional entrepreneurs and companies.

Fintech Innovation

Since day one, Smart Refill has been passionate about designing and developing innovative fintech solutions for the TelCo industry. We are convinced that future users will require digital services on a completely different level than today. That’s why we keep innovating – to find solutions that support the TelCo’s and the user’s needs, present and future. Our licenses and certifications are important enablers in our innovation work.
Is your company striving to be at the forefront of digital TelCo services? Maybe you are curious about how e-Money can be used to improve your business, or the future for invoice distribution? Let’s talk!

Our Values


We create our successes together.


We embrace creativity and new ideas.


We care about and are proud of how we work, what we do and what we deliver.


We inspire each other and actively participate in our tasks, in our teams and for the benefit of Smart Refill.

Whistleblower information

Do you suspect any irregularity at Smart Refill? You can anonymously report and communicate with handlers at Smart Refill using this link.

We’d love to hear from you!

Are you curious about Smart Refill as a partner or employer?
Drop us your contacts below and we’ll be in touch!