Phone Cards & Calling Cards

May 8, 2008

Guidelines to Avoid Fraud When Buying a Prepaid Calling Card

Indeed, prepaid calling cards can be seen and bought at many stores, retail sites, by mail and by the Internet.

But, it is advisable that before purchasing a international phone cards, there are heaps of important things to be asked by the salesperson. One should ask about the in-sale call rate, the state-to-state, the international rates, if there is connection fees, a maintenance fees, the expiry date of the calling card, and the likes. This should be done especially to those first time prepaid calling card user and to those who are new to the brand type that they are going to purchase.

Most of the time, the necessary information can be found in the wrapper of the prepaid calling cards. But if in case there are no information written to the wrapper of the card, better to contact its customer service and ask all the important questions one should know. But if the customer representative can not answer all the information about the prepaid calling card, better to look for other prepaid calling card company that can give the valuable information about the prepaid calling card.

For someone to test a prepaid calling card that one is not familiar with is by buying a small value prepaid calling card and found out how it works. Take this note; never ever accept a prepaid calling card in which the scratch-off wrapper on the PIN or the Personal Identification Number has been removed. And do not accept a prepaid phone card if is doesn’t provide terms and condition. One more thing, before purchasing a prepaid calling card, it is better to make sure that it has the necessary language, since most of the prepaid calling card tender taped instructions in languages apart from English.

Mainly, prepaid calling cards are disposable, which can be thrown away after its use.

But there is another type, which is relatively popular nowadays; this is frequently sold through the Internet or by mail. This is rechargeable by calling the company.

There are also some prepaid calling cards that are advertised through the newspaper and magazines. One can order the card by phone and can be paid through a credit or debit card. Or it can be ordered by mail and can be paid with check or money order. There are lots of prepaid calling cards that are being sold through the Internet. And the mode of payments is by debit or credit cards. All the prepaid calling cards which are ordered by mail, phone or Internet are subject to shipping and it has about $10 per order of handling charges.

Several companies sell virtual prepaid calling cards though the Internet to customers who have their e-mail addresses. As soon as the order has been processed the customer will received an e-mail which includes the toll-free access number and the PIN that the customer will use in order to make the calls. These virtual cards to not need a shipping and handling charges but it is subject to a processing fee.

There are some prepaid calling card companies who gives useless cards after they have taken the money of the customers. Other companies just tend to fail to let the customers know about the fees, surcharges and any other costs to their customers. Actually, there have been some reports about this kind of unlawful sales practices by prepaid calling cards companies.

For the customers to have been caught by fraud in using prepaid calling card, it is better to talk to the company. Since, the International Prepaid Communications Association (IPCA), an industry association, works a toll-free hotline for the customers who happen to have some problems or questions about prepaid calling cards. But if in case, the company didn’t answer your call, then it is wiser to contact the local district attorney’s consumer fraud unit, to let them know about your problem and for them to make some action.

March 29, 2008

International Calls

What is International call? It is a call between nations, or in other words when you call from your country to a neighbor country (from Poland to Germany, or from US to Canada for instance) or to far-away country (from Australia to China for instance).

International calls can be long distant and short distant, but when we call other party; we usually don’t notice that unless the connection is noisy or creaking.

Standard phone services provide us with the means of calling any place in the world – but it can be quite expensive. Actually it depends on how much time one spends per call, and the quantity of international calls per month.

You may use standard call services, but besides them, there is an alternate of calling: using prepaid phone cards.

When you purchase such card, the card is pre-charged with a value of call credit which is usually the same as that of the card value. (Sometimes cards may give extra value such as a $25 for $20).

Callers can then use the card to call from almost any touch tone telephone to call either domestic (local) or International.

Because cards are pre-paid, phone card producers are able to purchase ‘minutes’ in bulk from line carriers such as Deutche Telecom, WorldCom, Verizon and so on. Purchasing in bulk means savings, and these savings are passed onto the phone card user.

Normally, callers can save over 80% over a standard dialing service on international calls and in some cases over 90%.

Money saving is one the attractive features of prepaid phone card – thus making them very popular for making international calls for cheap.

March 3, 2008

Great Prepaid Calling Cards and Ideas on How You Can Save on Calling Card Prepaid Minutes

International calling can get pretty expensive. Luckily there are international phone cards that can help you keep their international calling expenses under control. Phone cards are a great solution for international calling so knowing how to choose the best one is important.

Using a phone card will help you in a few different ways. A phone card allows you to spend a set, prepaid amount on your international calling. This prevents over spending and allows you to budget your spending. Calling cards are also very convenient. Many people, especially those with teenage children, block international calling on their home phone. This is to prevent accidental calls being made. Having a phone card ensures that only intended international calls are made.

When choosing an international phone card there are many things to consider. The goal should be to get the most out of the card for the least amount of money. You can get a great deal if you shop around and compare different cards – try a price search engine. The following list explains some of the things you should look at and compare between cards before making your choice.

- The per minute rate. You should always make sure you understand how much you will be charged per minute for each international call. Phone cards that are made specifically for international calling will most likely offer the best rates. It is also important not to confuse domestic and international rates.

- Any rate fluctuations. This means that you should ensure the same rate will apply 24 hours a day, seven days a week. Some cards may charge different rates at different times of days or depending on if it is the weekend or a weekday. This also includes any other fluctuation in rates, like the first minute costing more than the other minutes.

- Fees. There are many fees which can come up when using a phone card. If you are not careful your money could be eaten up by fees. You should find out if you will be charged for calls that are not completed, meaning you did not receive an answer or the line was busy. Connection or surcharge fees are another concern. Sometimes there is a charge every time a call is connected. Maintenance fees are sometimes charged on a reoccurring basis simply for using the card. Knowing fees is important because fees take money away that could be used for call time.

- How the card works. You should make sure you completely understand how the card works. You should know what local access number to call, how to enter your pin and the basics of using the card, like if you can make more than one call without having to hang up and enter the card information again. You should also find out if you will be warned when your calling time gets low. This is a helpful feature that prevents being disconnected in the middle of a call. Another important thing for you to know is when the card expires so you use your time before the card is no good.

- Customer Service. You should find out what number to call for customer service issues and the times customer service is available.

These points are all things that you should consider about each phone card. They should also be compared between different cards to find the best phone card. International phone cards can save you a lot of money if the best one is chosen.

February 7, 2008

Save Your Money by Using Prepaid Phone Cards

Using a prepaid phone card offers many advantages over more traditional calling means with consumers "jumping on board the bandwagon" and making the switch.
Going online has opened up even more avenues for shoppers to save. STi phonecards have been one of the online trendsetters, not just offering a prepaid phone card service but also excellent advice in purchasing cards online. If you are still "a little wet behind the ears" when it comes to using prepaid cards then the following tips will give you plenty of reason to switch from more expensive traditional methods.
Advantages of Prepaid Phone Cards
- You can save a lot of money using phone cards. Phone bills can be cut by up to 50%. Companies such as STi Phone Card suggest the saving can be up to 80%.
- Prepaid phone cards are excellent as a means of saving on long distance and overseas calls. Whether for travellers who find them convenient, especially from hotels or simply calling from home, then costs can be cut significantly.
- People migrating to other countries can now stay in touch with family and friends much more cheaply today than 20 years ago.
- Prepaid phone cards eliminate the need to use money, particularly handy when you don’t have any change and need to make a call urgently.
Are there any disadvantages? Sure, but these are few and far between. With some cards there may be hidden costs associated with phoning from public places such as hotels. Generally, you have a time limit on how long you can use your phone card. In most instances, cards will expire after three months. Balance transfer of minutes left is also usually disallowed.
Finding A Reputable Company
The phone card industry was rife with unscrpulous operators several years ago however, tighter security restrictions have helped clean it up significantly. It’s strongly advised to stick with the major players when you go online. Bigger operators such as STi Phone Cards have strong security controls and stricy privacy policies.
Check a sites recommendations. Scan the web page and look for security seals and recommendations such as from the Better Business Bureau. The more you find the better the signs are the company is on the level.
It’s a big plus if a company has a live customer support base. It’s even better if you can get to them right away and 24 hours a day. Avoid dealing with email only companies and if you do, send them an email and and look for a response within 24 hours.
Hidden Costs
Watch out for hidden costs. This is the biggest issue with prepaid phone cards and one where many people have difficulty with. Always ask and always get it in writing. I know reading terms and conditions is mundane and boring but they are there for a reason and usually, any extra costs with a card were clearly listed in the terms and conditions.
Prepaid phone cards will save you money in the long run but perform a little due diligence initially and you’ll have a happy experience using them.

January 24, 2008

International Callback Phone Service

International callback is a relatively popular method of making low cost international phone calls from countries where telecommunication services are very expensive. The phone service in many of these countries is controlled by a monopoly phone company so the cost of making international calls using the local service provider or even phone cards can be exorbitant. International callback phone service is far cheaper since it essentially by-passes the high cost local service provider and routes calls through a lower cost third country. This can be done using different techniques but the results are the same……international callers can save a lot of money on their calls by using international callback.

What we refer to as traditional callback phone service is used by dialing a special phone number in another country that has cheap telecommunication services. This is often in North America or Europe. The caller lets the phone ring one time than hangs up the phone. The special phone number is actually a computer that recognizes the caller from their phone number (Caller ID) and places a call back to the caller. The caller than answers the phone and finds a dial tone. The caller can then place a cheap international call to any location in the world. The call is routed over the lower cost phone system that may be located in a third country. The cost of the call is actually broken into two "legs". One leg is the cost of a phone call from the third country to their location and another leg is the cost of a call from the third country to the destination they are calling. However, even with two legs, the cost of making an international call using international callback is generally far cheaper than making the same call using a high cost, monopoly service provider. The cost of an international call from Kazakhstan to the USA is a good example. A call from Kazakhstan to the USA will cost anywhere from $0.50 to over $1 per-minute using phone cards or the Kazakhstan phone system. Using international callback the same call can be made for less than $0.10 per-minute…..a very substantial savings.

International callback is normally a prepaid service and there are several service providers and different types of products. One potential problem is that traditional callback is often blocked by high cost countries in order to protect their monopoly phone companies. It can be blocked fairly easily since a call is triggered by placing a phone call to a computer located in another country. The computer recognizes the caller using Caller ID technology so all a country needs to do is block Caller ID and they have blocked traditional callback. However, there are other callback services that are much more difficult or impossible to block. Two of these are often referred to as Web Call or SMS Call. Using Web Call a callback call is triggered using a specially formatted e-mail message while a simple text message from a cell phone is used to trigger a callback call using SMS Call. Both of these products are gaining popularity since they offer a convenient and cheap means of making international calls from high cost countries.

December 13, 2007

VoIP: to Make the Switch or Not?

Filed under: VoIP

How many times have you shaken your head in exasperation after a mere glance at your monthly telephony bill? If you are one of those who keep a track of where your money is going you will agree when I say that telephone bill eats up a considerable part of our salary specially if you make long distance or international calls. Now imagine this. You call your long distance client or cousin residing in another country for an hour and your bill comes not more than a dollar? Saving money is always sweet and if you save big money its even better. This is precisely what you can do if you decide to deploy VoIP call termination service.

Technology is fast moving towards improvement in every field and telecommunication has not been left untouched by it. One of the greatest gifts of technological invention is VoIP telephony service. It is a more cost effective and efficient mode of communication.

The communication revolutions started from bell to a heavily built telephone to presently used sleek telephones and has now reached a stage where you can communicate without using a fixed line telephone. VoIP works through high speed Internet and hence the need for a land line phone is no longer there.

Equipments Required For Using VoIP Call Termination

It is essentially a simple and hassle free telephony service and will not load your house or office with endless cables running from one room to another.

1. Computer ( It could be a desktop or a laptop.)
2. Headset,if you are using a computer.
3. Internet connection (Ideally the speed should be at least 128 kbps for good voice quality.)
4. ATA or analogue transfer adapter (Usually your VoIP service provider would give you this along with the service.)
5. IP phone or a Land line phone too can be used. In case you are using a land line phone you would need an ATA.

Why Make The Switch?

You have been using the traditional telephony service for a decade and it has not given you a chance to complain. Well, except about the telephone bill. Right? This is one of the major reasons as to why growing number of people are migrating to VoIP service. Consider the below mentioned advantages to make the decision.

1. Cost Effective - Your bills would reduce by almost half of what you pay at present.
2. Minimum Operational Cost - VoIP does not require optical fiber wires to transmit calls. Minimum hardware stands for minimum operational costs.
3. Enhanced Quality - Over a passage of time several improvements have been made to improve the quality of service and now the quality of service of this profitable service proudly stands at par with that of the traditional modes of communication.
4. Ease Of Integration - Interconnecting voice over IP telephony service with your existing communication structure is easy and hassle free.

December 10, 2007

How to Maximize Your Phone Card Shopping

Prepaid calling cards have been a growing business for the past decade. By judging from its very early beginnings, the services offered by call cards was marred with lots of technical glitches and delays, however the industry has improved today and the quality of services has widened.

At present, consumers can find a lot of prepaid call card suppliers that offer relatively similar rates. As the technology progresses in the coming years, it is expected that this will play a major role in the global telecommunications business

Why Call Cards Offer Lower Rates.
The main reason why call cards offer distinctively low rates for international or domestic calls is because of the different technology used. Most call card providers sell cards using a combination of VoIP (Voice over IP) and regular lines, to achieve a good balance between call quality and low prices. In Addition, since the call cards are pre-paid, which means you pay in advance for the amount you think you’ll use, some other costs are cut, like the ones for collections or debt retrieval.

Some Terms You Need To Know When Using Prepaid Call Cards
As mentioned earlier, the mode and quality of service varies with each call card operator. Some providers may charge different sorts of fees, depending on whenever you easily spot them. Some fees may be shown upfront, while others could be hidden.

On of these charges is the Maintenance Fee. This fee is an amount deducted from the calling card’s daily, weekly or monthly balance, with the effect of reducing your minutes. Another fee is the Connection Fee, which is an amount deducted from the calling card’s balance once a call is connected. The other fee is called Rounding. This refers to the multiple of minutes you’ll be charged when making a call.

An example would be: 4 minutes rounding means that you’ll be charged in 4 minutes increments, like from 4, 8, 12, 16, 20 and so on. A call for 9 minutes and 30 seconds will be charged 12 minutes. It is important for consumers to verify the charging and connection mechanisms of each call card provider, to enable them to choose the ones that offer the most affordable rates.

Callers Should Get A Card That Suits Their Needs
To make sure that a user gets the most suitable phone cards, make a comparison of different providers to ensure that you get the one that fits your calling needs.

A card doesn’t need to have to have the lowest rate, or the highest, to be the best. If you generally make long calls or if you make calls very often, you can get a card with a maintenance fee or even one with a connection fee, as these call card types offer the lowest rates.

Even if you have a maintenance fee, and given that you’d make a lot of long calls and eat up the balance quickly, the maintenance fee will be only deducted once or maybe twice, but you get a huge amount of minutes to talk. If a user makes short or seldom calls, a calling card with 1 second rounding and no maintenance fee would be the most suitable choice.

Users then won’t have to worry about their balance being deducted if they don’t use the card. The notion is to use it whenever you need it, and the money would still be there even in 1 year or more.

December 2, 2007

Navigating the Maze for Low Cost International Calls

Filed under: Long Distance Calls

Just in case you haven’t noticed, international calls can cost you a fortune. There are a lot of alternatives to making international calls directly from your home phone.

Pre-paid phone cards are great for people who are traveling or who want to make occasional low cost domestic or international calls. They can be used to make calls from 130 countries and offer convenience because they can be used from any phone. Everyone wants to call home when they are away, for students this can be costly and a card makes the process easier and cheaper. Whether you’re staying in a hotel or a hostel, long distance, overseas call rates are extremely high - this is where the prepaid international calling card will come in handy.

Most stores who sell calling cards to the public, deal with International calling cards. You pay a fixed amount of money, based on what you think your call rate and length of call will be. Each call is logged by the phone service who then deduct the appropriate amount from your card. The rates on international calls differ and what you pay is dependent on where and when you want to call and the way you plan your calls. Long-distance calls are charged by the minute as a general rule, and what it costs you will depend largely on the rates that the telephone company has on offer.

VOIP is a great option for people with high speed Internet. They can have low cost local and long distance phone without sacrificing quality. They will also get very low international call rates and many features not found with traditional phone service.

International callback works well for people who live outside the U.S. and want to make low-cost international calls. They can bypass their existing high cost long distance company and make high quality, low cost calls throughout the U.S.

Call Your Friends Abroad With Prepaid International Phone Cards

When you make a lot of long distance phone calls overseas, you may find that you can save money by doing what many are doing now: by taking advantage of prepaid phone cards.

International Prepaid phone cards could be used to call just about any country in the world. These plastic cards allow you to pay for your long distance needs in advance. The cost per minute is much less than calling from a hotel, airport or conventional pay phone.

These phone cards are also popular, and they include AT&T, and globe-phone cards from IDT, among many others. These cards connect you through an access code in each country, then perhaps your account number or sometimes a PIN before finally dialing out to the number you wish to connect to. In the United States, you normally would dial out through a toll-free number first.

You Don’t Get Monthly Bills On International Prepaid Cards
One of the major reasons why people get international prepaid phone cards is that, you won’t get any monthly bills. The other benefit of prepaid phone cards is that you can control costs on your long distance calls. Unlike regular phone cards , or standard post-paid telephone services, where you are charged connection fees to as high as 80 cents a minute for every call you make, prepaid phone cards have no hidden charges added.

A pre-paid phone card is a card you buy for a set price. These cards are usually sold in $2, $3, $5, $10, $20, and even $50 denominations or by number of minutes. Many people use a pre-paid phone card for international calls because of the card’s convenience; it can be used anywhere and, since you pay in advance, there are no bills or regular charges. Pre-paid phone cards are popular among travelers, students, immigrants, foreign workers, people who regularly call overseas, and those who haven’t selected a long-distance carrier yet.

Things To Take Note When Buying Prepaid International Phone Cards
The first consideration for travelers and workers going overseas would be, what sort of communication devices would they need, and for what specific purpose. Whatever the reasons for overseas travel, either for business or pleasure, a phone card proves to be a most economical solution for communication requirements, like in keeping in touch with business associates, friends and family. International travelers can stay connected virtually anywhere, with any phone and number.

When purchasing an international prepaid phone card, it is extremely important to check if the service is available in the country from which you will be calling, which would be your destination country.
The reason is that a number of international phone card carriers have agreements to provide service in a limited number of countries. The rational is complex but in the end it basically boils down to the volume and expense of setting up service using an independent international carrier.

International phone cards are routinely used when the cost is cheaper than the local phone company in that country. When one makes a call, the total cost of the call, which is often made up of several factors, is then accumulated to the card.

VoIP Phones - Changing the Face of Telephony

Filed under: Phone Cards, VoIP

With VoIP phones being introduced in the market the very way telephony was perceived has changed. Gone are the days when you would have to shell out a huge sum to make a long distance or international long distance call. Calling through this new technology i.e. VoIP helps you to save almost 40% on your calling expenditure.

VoIP phones or Internet phone service, as it is popularly referred to as works with the help of Internet. Your voice which is the analog signal format is sent via Internet after it is converted into small digital packets. These digital packets are then reconverted into analog signal format before they reach the final destination. This type of phone service, thus, helps in saving a tremendous amount of money as the calls are terminated through Internet which is relatively cheaper than optical fiber wires.

There are two types of long distance phone service available in the market as of now. One is the paid service and there is also a free Internet phone service. As obvious from name itself, the free Internet phone service is completely free of cost. There are number of VoIP service providers offering this service. One can easily search for a provider giving free phone service and then download the dialer from their website. Enter the destination number along with the proper country code or area code. Hit enter and, walah, you are connected! It’s just that simple.

On the other hand is the paid internet phone service. Numerous VoIP service providers are offering VoIP call termination service at a nominal rate. Depending upon your needs and requirements you can opt for either free or paid VoIP service.






















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