All you need to do is buy a prepaid phone and register for Auto-pay (charges go onto your credit automatically every month). There are different scales of monthly rate plans ranging from $10-$40, in addition, there is no charge for the System Access Fee.
They give a few examples of how it works. Let;s say you buy the prepaid LG Rumour for $129.99, minus the $150 PayCheck promo over 30 months… essentially you are ahead a total of $20.01 – which will be good to spend on the monthly plans!
This seems like a good deal if prepaid is your game. Just remember the charge will be on your account for 3o months. If you’re a customer with Virgin already and want this deal, all you need to do is switch over to a Prepaid Monthly Plan, then register for Auto-Pay and you should get your dough within 24–28 hours.
More here at Virgin