actionvoip, justvoip, smartvoip,freecall-all these voip programmes seems to be from same source-check the version and interface, they are same!each have different rates for different countries.for eg. if you use more of US contacts, justvoip is better since you get 120 days free.actionvoip,smartvoip have cheaper rates for India.
Choose the programme to suit your needs and recharge online. I have been doing it for an year or two have no problems so far.good luck!