Abstract: The invention relates to a payment system for services provided by means of a telephone call, which uses payment means that differ from those associated with the call charge imposed by the telecommunications operator. The invention comprises means for validating the user's payment means and means for fixing rates and charging for the service. The invention is suitable for use in the field of added-value telecommunications services, premium rate services and network intelligence services. The invention is characterised in that the charge is collected from the user's payment means in real time according to the use of the service.