About us

Smart Refill develops secure payment and information solutions for the telecom and fintech sectors. Our mobile and web-based services make life a little simpler for the users and helps our customers develop their digital offer.

We take care of the entire development process from start to finish: building applications, managing operations, and providing maintenance and app updates. Together with the customer, we design tailor-made applications with a short time-to-market thanks to our modular platform of services. And you can always feel safe: we are PCI DSS Level 1 certified and an approved Payment service provider by Finansinspektionen (Swedish Financial Supervisory Authority).

Customers we have worked with for a long time say that we are reliable, fast and easy to work with. There is only one way to find out if this is true. Contact us.



  • Business meeting
  • Presentation
  • Idea/case/strategy


  • Define needs
  • Understand
  • Analyze
  • Collect input
  • Discuss


  • Creative process
  • Case Strategy
  • User needs
  • Concept sketch
  • Business case


  • Requirements
  • Process flows
  • Usability platforms
  • Design sketches
  • Project plan
  • Timelines
  • SOW
  • Project group


  • Development
  • Project work
  • Test version
  • Production version
  • Internal test
  • Acceptance test


  • Support
  • Meetings
  • Customer service
  • Updates
  • Evaluate

Our Offers


Complete technical platform with front-end apps for providers in both prepaid and postpaid. We develop and operate unique, secure and mobile operator services that we adapt to different markets and operators’ requirements and wishes. Including, for example, topping up mobile phones via apps or web, customer connections and secure payments.


Mobile banks, payments, fund trading systems or PFM. Our banking and finance platform is one of the most comprehensive in the Nordic region. We develop and operate unique, secure and mobile services that make contacts between customer and bank easier. Reaching your bank when and where you want should be as safe and secure as using Internet banking.