Our Offer

What We Do

Smart Refill develops smart digital solutions with the customer in focus. Our scalable platform helps telecom and fintech companies with high security standards launch digital services quickly. We take care of the entire development process from start to finish: designing and building applications, managing operations, and providing maintenance and app updates.


Over 10 years experience of developing IT systems


PCI DSS Level 1 certification with recurring security audits


We see and act on new trends, creating more value for our customers

Telecom Top Up Solution

For telecom operators offering prepaid top-ups and subscriptions (also known as “Pay As You Go” or “Pay Up Front”), Smart Refill provide a complete digital customer interface for web and mobile including payment solution, campaign management, loyalty functionality and much more to raise sales, reduce churn and take a lot of work load off the operators’ shoulders.

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Operator Payment Platform

Smart Refill provides a white label, integrated mobile payment platform covering all online sales for telecom operators. We have experience from providing safe and smart digital solutions to leading Nordic Telecom Operators since 2006, handling 500 000 interactions/month. The platforms offers a flexible setup and includes a powerful Management and Data tool.

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Mobile banks, youth features, fund trading systems, personal finance management: our banking and finance platform is one of the most comprehensive in the Nordic region.

We’re a one-stop app shop for banks and fintech innovators. 

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Open Banking

Smart Refill is an E-Money Institution authorised and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen). As such, we have the permits required to develop both Account Information Services (AIS) and Payment Initiation Services (PIS). 

Smart Refill has tailor made Open Banking functions for 23 Swedish Banks. We’re excited to explore further Open Banking opportunities with neo banks, fintechs and incumbant banks going forward.

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mobile screen open banking AIS