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Smart Refill authorised as E-money Institution

Smart Refill has been authorised as an E-money Institution by the Swedish Financial Supervisory Authority (SFSA). The license shows that Smart Refill is a trusted partner and enables the company to offer secure payment solutions throughout the European market in line with PSD2 and Open Banking.

Payment and account services are a central part of Smart Refill’s offer to banks, fintechs and telecom operators. Being an experienced payment service provider, the company complies with the payment card industry’s global security standard PCI-DSS since 2011. With the newly obtained permit from the Swedish Financial Supervisory Authority (SFSA, Finansinspektionen), Smart Refill can fully utilize the possibilities offered by the second European Payment Services Directive PSD2 and the Open Banking Standard.

As an E-money Institution (EMI), Smart Refill can act as a Payment Institution (PI), providing comprehensive services for the end-users of the mobile banks, fund apps and prepaid apps that the company develops. Smart Refill has been designated as both an Account Information Service Provider (AISP) and a Payment Initiation Service Provider (PISP). Through the Open Banking standard, it’s possible to fetch account information and initiate payments directly from the user’s bank accounts throughout the EES. The license also gives Smart Refill the right to issue E-money, as one of four companies in Sweden except traditional banks. This opens up for further development of secure solutions in card issuing and e-Wallets.

- The approval by SFSA shows that Smart Refill is a thrust-worthy partner with the proper system and risk controls in place. We are now in an even stronger position to help our customers thrive in the open banking ecosystem. It’s also an important step in our growth strategy on the European market, says Henric Ungh, CEO at Smart Refill.

Contact:

Henric Ungh, CEO at Smart Refill

Email: henric.ungh@smartrefill.se

Relaterade länkar

Ämnen

  • Data, Telekom, IT

Kategorier

  • #smartrefill
  • mobile banking
  • #fintech

Smart Refill provides platforms and engaging apps for fintech and telecom companies. We specialize in secure payment and information solutions that simplify the everyday life of the users and boost the businesses of our customers. Our PCI DSS Level 1 compliant environment handles hundreds of millions of SEK in payment transactions every year and our mobile applications are praised for being well-designed, innovative and useful.

Relaterat innehåll

  • Smart Refill renews highest level of PCI DSS compliance

    Card payments are a central part of the software platform that Smart Refill delivers to fintech and telecom companies. Protecting customer card data places high demands on security and Smart Refill has now renewed its certification as PCI DSS Level 1 service provider.

  • Smart Refill and Resurs Bank makes banking easy in new app

    Smart Refill and Resurs Bank has developed and launched a new app that makes everyday life easier for the bank's customers. One-click payments is just one of the features in the new mobile bank app, that can be downloaded from Google Play or App Store.

  • Smart Refill continues to invest in digital services for the youngest bank customers

    ​Many parents are thinking about how to teach their children about economy when coins and banknotes are being replaced by numbers on a screen. In 2018, Smart Refill therefore released an app that playfully teaches children and youths how to manage money. Now the next version is released, where the children's bank account can be linked to the app and thus show real balance and transactions.

  • Redha Cherif joins Smart Refill as new CTO

    Software company Smart Refill, based in Helsingborg, has appointed Redha Cherif new Chief Technology Officer. Redha has many years of experience in software development in the company’s both business areas, finance and telecom, and prior to his assignment was CTO at consulting company Wunderdog. Redha started his employment on April 1st and will become a member of Smart Refill's management team.

  • Smart Refill renewed PCI DSS certificate according to the highest international standard

    Following the corona pandemic, internet commerce is increasing and thus also payments handled online. High demands are placed on online payment operators to guarantee secure payments. For the tenth consecutive year, Helsingborg based IT company Smart Refill has been approved according to PCI DSS Level 1, the card companies' highest international standard, and is now aiming for future solutions.

  • Loyalty - a strong trend in telecom

    ​In Sweden there are 3,219,000 active prepaid telecom cards. Telecom partner Smart Refill sees a trend that operators are placing greater emphasis on increasing customer satisfaction and thus keeping customers longer. Smart Refill is now expanding the loyalty module in its telecom platform to meet the increased requirements from operators. The first operator to access the functionality is Telenor.

  • Sara Odelius Andersson strengthens Smart Refill's innovation team

    Services are moving from the physical world and onto our screens, not least when current restrictions and recommendations change our established behaviors. What will be digitalised next, and how will future digital solutions work? The innovation team at Smart Refill is investigating this, and now they are strengthened through the recruitment of Sara Odelius Andersson.

  • Expansion of language support in telecom services

    ​Helsingborg-based Smart Refill is now expanding the language support in their telecom platform to enable more people to handle top ups and contractless subscriptions in their native language. The new languages are Polish, Farsi and Dari and are launched in the operator Telenor's apps and web services.

  • Simon Warnolf strengthens Smart Refill's innovation team

    Helsingborg-based software company Smart Refill designs, develops and hosts digital solutions for online sales, payments, banking and secure post. Experience Designer Simon Warnolf has now been recruited to the company's innovation team as Design Lead. Simon has worked with design of digital solutions for over 20 years at companies such as Axis Communication, LINK Mobility and KAN.

  • Helsingborg IT company solves faster credit card application with Open Banking

    Ten months ago, the EU's second Payment Services Directive (PSD2) was fully implemented, and many believe that we are entering a new era for private finance services: Open Banking. Helsingborg-based Smart Refill is authorized by Finansinspektionen to develop the new type of services, and is now releasing its second Open Banking service.

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