The computer-implemented method includes receiving a first request via the Internet for a first transaction between a user and a vendor for goods or services. A billing telephone number of the user is then obtained, and the first transaction automatically charged to a subscriber account associated with the billing telephone number. Sometime later, a second request is received via the Internet for a second transaction between the user and a vendor for goods or services. If the second transaction cannot be billed to the subscriber account, an alternative payment method is automatically used.