Hi Steve, yes it just goes on your phone bill, I've not had any surprises with it, just make sure you always make the calls from a landline.
The cards I have tried in the past often don't deliver the rate they promise in reality.
All of these services are VOIP (voice over internet protocol) in one form or another and at the end of the day the call quality mostly depends on the connection at the remote end.
Remote landlines are usually pretty good but remote mobiles can be really problematic.
We use Smart over there but Ana does not have a good quality cellphone right now and at best the signal where we live is quite poor, so I get a lot of connection problems but it vary's through the year as the weather affects reception with mobiles.
On another note I tried three years ago to get a PLDT landline installed in our place over there but they are just useless they approved Ana then never turned up even though we had been customers for the previous 3 years at another address. Calling a landline (real one not wireless landline) is infinitely better than calling a Philippine mobile.
