Electronic reloading

Electronic reloading does not require transfer of any actual physical prepaid cards. No more cards to be kept or safeguarded against theft.

There is no need to incur costs on transportation, warehousing, or other incidental expenses that would cut into the retailer's profits because all transactions are done electronically.

Prepaid credits are loaded automatically to the subscriber. No more long lines, no more PINs to be keyed in.

Prepaid phone subscribers can top-up airtime balances via electronic reloading stations. Reloading stations or retailers uses a Retailer SIM card in topping up prepaid credits to a subscriber's mobile phone. The functions of this SIM is also identical to the prepaid SIM cards offered commercially but with added reloading/top up functionality. It uses a click-and-browse SIM technology to perform hassle-free transactions. A retailer enters the number of the mobile phone to be reloaded and then chooses either the denomination of airtime balance or a pre-subscribed prepaid offer e.g. Smart Communications AllText10, AllText20, and some of their prepaid broadband offer topups such as FlexiTime, a time-based per-minute charging internet offer. The airtime balance reloaded will then be deducted from the retailer's commercial load credits which can also be reloaded from a network's wireless centers (but in some cases in the Philippines, SMART Communications Wireless Shops doesn't cater to such method of reload in favour of Machine Topup or Scratch Cards locally called Prepaid Vouchers). The commercial load is the prepaid airtime balance used in reloading a prepaid SIM card and is a separate load balance from the personal load balance of the retailer.

Any person can be a retailer, because service providers sell retailer SIM cards without additional contracts. Because of this, reloading stations are opening often especially in the Philippines, where every block of the city and even in most remotest areas in the provinces have reloading stations.

From the success of electronic reloading, the same network who introduced the service also developed a load transfer service among prepaid subscribers. Load transfer uses the same technology used in reloading stations but uses a different method. A prepaid subscriber must key in the mobile number of the person where the credit balance must be transferred and sends to an access number designated by the service providers. Load transfers only supports small denominations and expires after 24 hours from the time of transfer.

Electronic reloading can also be done via reward points redemption. Service providers offers subscribers with reward points which are accumulated every time a subscribers uses or purchases any value added services of the network. These points can be used to purchase electronic loads and other services depending on the number of points earned.

Banks have already designed and supported reloading service via automated teller machines. A menu for reloading is added onto the machine and can be used by any person with an ATM card. The denomination reloaded to a prepaid mobile phone is deducted from the bank account balance of the ATM card used.

Electronic reloads can also be offered from other subscriptions from a network provider. One particular example is through a prepaid mobile broadband subscriptions. Service providers have designed a way to incorporate reloading functions of the mobile broadband. But these service are only marketed for personal use since the idea fleshed out from the load transfer service.