Top Up Solution

Raise sales, reduce churn and lower work load

Providing safe and smart solutions for the telecom sector is part of Smart Refill’s DNA. Our company was born from the idea that it should be simple to top up prepaid phones on the go.  

Since the start in 2006, our platform of digital services for Telecom Operators has grown to become one of the most powerful on the market. 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. Contact us to get started.

Highlights from our Smart Top Up Solution

Trouble-Free Customer Channel


Offering user-friendly applications is a must in the age of smartphones. As soon as you launch an app, it needs to be maintained and updated regularly to keep customers happy.

Our Solution

We deliver a complete solution for web and mobile so you can focus on your business. From design to UX, development, operations, and support. And we regularly release new features to keep up with trends and business needs of the operators. The apps rely on a scaleable back-end platform with a PCI DSS certified environment, 24/7 surveillance, backoffice/support tools and fraud prevention.

Payment Solution at peace with PCI


Simple top-up services means handling of user data and payment card information. Now and then new laws and regulations concerning data security are implemented. As a provider, you have to live up to strict requirements.

Our Solution

Smart Refill’s environment is PCI-DSS Level 1 certified, which means we are authorized to handle payment card transactions. Every year, we are scanned to make sure we adhere to the PCI DSS security requirements. Currently, we offer card payments, Netbanking, Masterpass, Swish and Vipps as payment options, and one off as well as recurring payments. Since Smart Refill is also an E-Money Institution and a Payment Institution under surveillance of Finansinspektionen, we can handle all agreements and payment process details. With this setup, the only thing you have to do is tell us which bank account you want us to transfer your income to.

Loyal Customers


Prepaid users are not bound by yearly phone plans, which leads to high churn rates and high subscriber acquisition costs. How can the operators make customers stay loyal?

Our Solution

We help operators strengthen user loyalty by offering high-quality top-up apps with the operator’s own brand and features that focus on customer loyalty: Auto top-ups reduces the frequency of purchase decisions, you can easily reward users for activities they do in the app, and our current users just love the fact that they can manage both their own and their families’ top ups and plans in our service. This makes the bond between operator and customer stronger. 

Campaigning made easy


Campaigns are an important tool for many operators to optimize sales and upsell. To maximize the result, the cost and workload of managing the campaign must be as low as possible.

Our Solution

We offer an integrated Campaign Tool to our Top Up Solution. You decide the deal, we do the rest. Easy as that!

Data for your business decisions


The strive to be better, faster and more profitable grows stronger every year. The telecom operators must take the right decisions to keep and evolve the customers.

Our Solution

To take the right decisions, you need the right information. That’s why we provide you with data from your web and apps in valuable business reports. With deeper understanding of the past, it’s easier for you to predict the future.

Customer Stories

Telia Sweden

Telia Finland


Curious about what we could achieve together?

Drop us your contacts below and we’ll be in touch!