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Hmmmm... Pay per phone minute? Chargeback galore comes to mind if you are actually intending to bill the phone company.
Htpasswd files is what billers write to, among others. It is ***so*** easy for a programmer to pull from these files and create you a master file for logins should you choose 1 or 20 billers.
I think you really need to sit down with someone and iron out exactly how you intend to bill for your site.
Your questions are vague at best and lead me to believe you need a lot of help. Don't take it the wrong way, not trying to insult your project.
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