A method for replenishing a pre-paid telecommunications account utilizes the short message service (SMS). When an account balance is low, a pre-paid service control point (PP-SCP) sends a message to a pre-paid payment server which composes an SMS message and sends it to a short message service center (SMSC). The SMSC forwards the message to a mobile switching center (MSC) which passes the message to the subscriber's mobile unit. A confirmation message is automatically sent in a similar manner back to the pre-paid payment server. To replenish the account, the subscriber composes an SMS message using the mobile unit and sends the message to an MSC which forwards it to the pre-paid payment server via an SMSC. The pre-paid payment server validates the request via a billing and finance system, then sends a message to the PP-SCP for account update.