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The second main technology of phonecards is remote memory, which uses a toll or toll-free access number to reach the database and check for balance on product. As the United States did not ever have a single nationalized telephone service (or even the same firm for every state), and with the deregulation of its major ones, there was no incentive to be consistent with the rest of the world. The ease of use of sliding a card into a machine just as in a teller machine was countered by fears of vandalism of the machines.

Phonecards or calling cards are available in most countries in retail stores, retail chains and commonly corner stores. Generally, remote memory phonecards can be issued by many companies and come in countless varieties. They can focus on calling to certain countries or regions and have specific features such as rechargeability, pinless dial, speed dial and more. Phonecards may have connection fees, taxes and maintenance fees, all influencing the rates.