I have a TMobile PAYG. You can get the SIM from TMobile for $7 (from the store). It costs ~$0.10 / minute to talk (if you buy credit in $50 chunks). You can top-up directly from the phone with a credit/debit card, or on the web, or using a top-up card from a TMobile store - it's really easy, especially doing it from the phone. Personally, I don't give a hoot that they are marketed towards low income customers.<p>The thing that totally sucks in the US market is the lack of  PAYG <i>data</i> plans, or for that matter the price of contract plans for <i>data only</i>. They 3x the price of Europe.