Full text can be accessed at http://ieeexplore.ieee.org/xpl/login.jsp?tp=&arnumber=5764138&url=http%3A%2F%2Fieeexplore.ieee.org%2Fxpls%2Fabs_all.jsp%3Farnumber%3D5764138The emerging of cloud computing has brought about new hope for efficient adoption and use of computer- based information system. Software as a Service (SaaS) allows online customers to use applications on the Internet on a pay- as-you-go basis without investing in new infrastructure or software license. However, current SaaS delivery model bring challenge to online customers in community with poor financial services like online bank-transaction or credit cards. This study proposes Mobile-SaaS delivery model to facilitate online charging and credit-recharging mechanisms for SaaS application. The model use mobile-phone monetary services (M-banking) to support online charging, and adopts threshold-based credit recharge technique to support credit recharging. Keywords-software as a service (SaaS), mobile network, M- banking, online recharging.