Abstract: Methods and apparatus for providing pre-paid long distance telephone calls without the requirement for dialing an access number or providing a personal identification number. Customers establish accounts with a service provider and keep the accounts replenished with finds. When the customer dials a long distance telephone number, the call is routed to a service provider's IVR platform, where a check is made for sufficient funds in the individual account. If there are sufficient funds, the call is completed, otherwise the customer is routed to a customer service representative and the customer can then replenish his account. The customer can replenish the account using different payment methods, such as at designated locations, the IVR, through the Internet, or with customer service representatives. Payments can be made by providing credit card or other financing information or by sending checks.