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For pay before, you need to top up your account before the 1st of the month to keep it active. If you are on the $15 chat plan, then you'd need to put $15 to top it up for the upcoming month.

Say you were to sign up tomorrow, the 15th, You would top up for the remaining of November, which would be about half a month, so it would require something like $7.50 (assuming you are on a $15/month plan).

You can really top up by any amount.. Say $50, it'll be a credit on your account and each month $15 from there will be used to top up.

I guess the card from SDM is a top up card. you can also use a credit card online or by calling in.
 
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