PIN before granting access to the calling card's funds. PINs often are printed on a piece of paper found inside the calling card's packaging. Once the users makes their first call, some companies offer the option of eliminating the PIN altogether to speed up the calling process. Companies that sell virtual calling cards online typically send the PIN via email.

Stored-value phone cards

A stored-value phone card stores the available credit balance in an analog or digital memory physically embedded in the card. This balance can

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