Abstract: A method of billing for products and services wherein a user makes a voice call to a telephone number from a mobile telephone, interacts with a human or computer operator to learn about audio-text products and services offered by a vendor, and then agrees verbally or by pressing one or more DTMF keys on the user's mobile telephone's keypad to have the charge for the purchase placed on the user's mobile telephone bill. The service is then provided while the call still is connected, and after the call is terminated, an MT-PSMS message is sent to the user to place the charge on the user's mobile telephone bill.