1. Selecting a card

• Why phone cards online; its benefits & How do these phone cards work?

Prepaid phone cards sales experience strong growth all over the world.
Phone cards online enjoy great popularity among prepaid phone cards.

Phone cards online numerous benefits are the basis for such a success.

>> Here are several major advantages buying prepaid phone cards online and using them:

•Savings
- Prepaid phone cards online domestic and international rates are usually much lower than rates offered by major residential phone service providers and prepaid phone cards local stores.
- Phone cards online are cheaper than collect calls and operator assisted calls.
- Phone cards online can help You to bring your phone expenses within budget; there is no better way to budget your long distance.
- Phone cards online Holidays sales make additional savings for your budget.

•Convenience
- Wide choice of phone cards online is offered in one place.
- Easy to compare the rates and find the best deal for you.
- You receive PIN number and Access number instantly at any time and any place where You have an access to the Internet (go though verification to eliminate any delays).
- If You share a phone with your roommates, phone cards online can help You to avoid the question of figuring out who-called-what-number each month.
- There is no any phone bills associated with using prepaid phone cards.

• Mobility and versatility
- Phone cards online provide solutions to different groups of people, such as travelers, students, truck drivers, international visitors and other.
- You can enjoy low long distance rates no matter where You are and what kind of phone You are using; You can call from home, office, foreign country, cell phone, pay phone and enjoy the same low rate.
- You receive independence from local and long distance career, and anonymity.

>> How do these cards work?

- You simply pay for calling time in advance and reduce the prepaid balance as You make phone calls. For the same phone card calling time available depends on the destination You are calling to.
To make a phone call You dial Toll Free Access Number or Local Access Number, after a voice prompt enter card’s PIN number, and then dial the Destination number.
Note: for Refillable phone cards, calling from a registered phone, You don’t have to dial PIN number!

• PIN Free/Permanent PIN refillable phone cards and non-refillable phone cards.

>> What is the difference between Refillable and non-refillable phone cards?

- There are two main types of phone cards online; each of them can be found on our website:

• Non-refillable phone cards
• Permanent PIN refillable phone cards with PIN Free Access option

Non-refillable phone cards
The vast majority of phone cards online offered for sale are non-refillable phone cards.

•After the balance on this type of phone card becomes equal to zero, the phone card can not be used anymore, and if a customer is interested to use the same parameters phone card again, he should buy a new phone card with new PIN number and balance.
•These phone cards have validity period, which is 3 or 4 months for most of the cards.

Permanent PIN refillable phone cards with PIN Free Access option
This is a new generation of phone cards online.
Refillable (rechargeable) phone cards offer additional opportunities to their users:

•Refill option. You can refill this kind of phone cards at anytime. All You need is an access to the internet, or during our business hours an access to the phone;
•Permanent PIN. You receive a PIN number that becomes your card’s permanent number. Every time when You refill the balance You add funds to the same PIN number.
•PIN-Free Access. When You sign up, you may register your phone number with us. When You dial from a registered phone, after entering Access number the telecom switches automatically, recognizing your number, and You don't have to enter a hard-to-remember PIN!
•Balance transfer opportunity! You can always transfer the balance from your card to any other refillable card!
• No Expiration date if you refill card at least once within 6 months.

>>Most frequently asked questions and important notes regarding refillable phone cards.

• What if I need to get more than one refillable PIN of the same phone card (for the same email address)?
-You have to register a new email address in our system (creating one more account); after finishing the registration process You will be able to buy one more set of refillable phone cards. The system will consider You as a new member, and You will receive new PIN(s) to your new email address.

• What if I want to change my registered phone number?
-Go to "My Account" » "Permanent PIN(s) » Balance / Reports / Add PIN Free Numbers » Press "Remove" button » enter the number You want to remove.
-This option is not available for "Jupiter" phone card.

• How do I register new phone numbers for my refillable phone card?
-Go to "My Account" » "Permanent PIN(s)" » Balance / Reports / Add PIN Free Numbers » Enter a new number You want to register » Press "Add number" button.

• Is it possible to register the same phone number for more that one refillable phone card (with the same name)?
-If more than one person wants to use the same phone number as registered phone number, they should get different refillable phone cards- never with the same name.
But if You and your family, or friends still want to use more than one refillable phone card (with the same name and different PINs) calling from the same phone, this phone number shouldn’t be registered with any of these cards.

• How do I refill my Permanent PIN?
-To refill your Permanent PIN find a proper refillable phone card, select amount You wish to add and press the button "Buy or Refill"; or alternatively: login into "My Account" -> "My Permanent PIN(s)" -> select phone card and amount You wish to add and press the button "Refill".
-Call us during our business hours and we will refill your card’s balance for You.

• Note: Each time You refill a phone card with Permanent PIN you add funds to your previously received PIN.

• What if I forgot the 4-digit password for my "Jupiter" phone card?
-Got to "My Account" » Permanent PINs » Change Password » enter new password and press "Setup New Password" button. You can enter any four digits number.

- Choosing a phone card it is very important to pay attention to card’s details, that have full information regarding charges applied for a particular phone card.

>> Here are the main charges that may be applied for prepaid phone cards:

• Connection Fee.
It applies each time when a phone call is connected. The charge varies depending on destination number You are calling.

• Service Fee.
It’s usually deducted from Your phone card balance for each phone call made. It varies from 0 to 25%; on our website it varies from 0 to 15%. For example, if the rate is 5 ¢/min and tax is 10%, for 20 minutes phone call your card’s balance will be reduced for $1.10.

• Maintenance Fee.
Maintenance fee will be deducted from your phone card if there is still enough balance. It won't be charged on your credit card. Phone card provider will start to charge a maintenance fee within 24 hours after the first phone call is finished. It value varies, on our website it’s not higher than 69 cents. The maintenance fee can be charged every month, every two weeks, or every week.

• Rounding/Increment.
This is the basic unit for phone call duration calculation. Our prepaid phone cards can be rounded to 1 second, 30 seconds, one, two or three minutes.
Please consider the table below as an example of calculating phone call minutes to be charged depending on rounding.

• Pay-Phone Surcharge.
Prepaid phone cards provide the most convenience when you want to make cheap phone calls anywhere, but there is usually a surcharge between $0.30 up to $0.69 per call when You use a public pay-phone.

>> How many minutes are on my card, and how can I check the balance on my card?

-Our phone cards are dollars/cents based. The number of minutes depends on rate applied for the destination You call. You'll be informed how many minutes You have on your card, after a destination number is entered; with some cards You'll be notified about your balance after the PIN is entered.

• Finding the best rate.

First of all, select what countries You want to call FROM and TO. If You are calling to a cellular phone, choose the country You want to call TO, press "Search" button. You will see the search results for that particular country for calling to a landline phone, please click on "Details" for cellular phone rates.
The lowest rates are shown on the top of page. Each card displays the amount of minutes available for different card’s nominations.
Note: Cell phone rates are usually much higher than landline phone rates for the same country.
Cell phone rates may be not listed for some destinations. If You still would like to know the rate that is not listed, please contact us and we will provide the rate information or the number where You can find out this information.

• Finding the right phone card.

To find the best phone card for You we recommend you to undertake the following steps:

• Find the best rates for the country You want to call TO, taking into consideration whether You are calling landline phone or cellular phone (see "Finding the best rate").

• Considering Your most frequently used calling pattern, choose a card with the most appropriate features – card with the lowest rate is not always the best for You!

* If You mostly have short conversation phone calls, or you are not sure the person you are calling is there, and the phone call may trigger an answer machine:
– Make sure the card You are buying doesn’t have connection fee. The best way to evaluate whether a cheaper phone card with connection fee is worthwhile or not is to estimate the average time for your phone calls. If you make 15 minutes calls, a card for 3 cents/min with $1.00 connection fee is actually more expensive than a card for 7 cents/min with no connection fee. A phone card with high connection fee is good for the case when you know your party is there and you intend to talk for a long time.
– Choose phone card with rounding not more than 1 minute.

* If You are planning to use your card not very often, and would like to keep it for 2-4 months:
– Make sure the card You are buying has low maintenance fee or doesn’t have it at all.
– Pay attention to card’s validity period.

* If You are calling using a payphone:
– Choose the phone card with low payphone surcharge.

• To find the most appropriate phone card for calling different destinations:
– Considering your calling pattern, find the most appropriate phone cards for each destination.
– Use "Compare Cards" option to compare the cards according to their features and rates offered for different destinations, and choose the best for yourself.
– Sometimes, it’s cheaper to buy two different phone cards, for calling two different destinations, rather than buying one phone card that has low rate for one destination, but comparatively high rate for another destination.

Note: Before You buy a phone card, make sure You read card’s details, especially purchasing a card with an extremely low rate!