I have two complaints about Net2Phone. My other complaint is their poor customer service. They have a toll-free support line, but every time I called I had to wait on hold for at least 10 minutes. After another 15 minutes on hold I hung up. This is not a way to run a phone company.
International rates vary but are typically a little lower than other long-distance services.
You have to register, but there's no need to enter a credit card because there is no charge to use it. The service is exceptionally easy to use, and the quality is pretty good. Unlike Net2Phone and other products, you don't have to download any special software. A Java application lets you dial the phone directly from the company's Web site. You can't call overseas but people in other countries can call the U.S. for free.