A method for establishing a call between a calling party and at least one called party via a call switching network. The method includes calculating a call charge per minute rate based upon a number of rate-determining parameters, notifying the calling party of the call charge per minute rate, receiving input from said calling party based upon the call charge per minute rate; timing the call, calculating the balance available for the call, informing the calling party of the balance in real time, and disconnecting the call when the call balance is zero.