Methods and systems for top-up are provided. A representative top-up system includes a top-up gateway that receives a recipient phone number associated with a phone user's account. A home location register (HLR) look up service (HLR) look up service that receives the recipient phone number from the top-up gateway determines the telephone service company associated with the recipient phone number and transmits the information related to the determined telephone service company to the top-up gateway. The top-up gateway tops up phone minutes and/or balance of money of the phone user's account associated with the phone number based on the phone number, and requested telephone service company.