Even if you have to order or download it, service providers generally offer the software for free. From there, the user sets up a prepaid calling account with the provider, and pays only for minutes of use. Most providers don't even have an account set-up fee. The software is intuitive and easy to use. It dials calls and tracks their length.
Users can view the details of their personal accounts online.
The only additional hardware a user needs is a microphone and speakers. These components tend to be standard on new PCs. Net2Phone recommends use of a headset, which can reduce ambient noise. The sound quality of the call gets better as access gets faster. The baseline quality right now is equivalent to a good cell phone's connection.