With every service there is a fee. You will choose your reload card and be able to purchase it online using either your Credit Card or Debit Card (Currently Accepting: Visa, Mastercard and Discover Card). Once your payment is processed for the reload amount plus your fee, the code is securely encrypted and either emailed to you or via text message to your cell phone, in anywhere from 1-3 hours following purchase in some cases you will receive it in minutes.