ok, we cannot see or do anything with payments here, but what I suggest if it is urgent is to user Google Hangouts here
No software is needed, you sign in with your gmail account and then click on the + to add credit, you can add $10
The tariff is much cheaper then Skype (about 1 cent a minute) and you can then call straightaway.
I use to use Skype but switch to Google because of all the payment issues and delays, and it is much much cheaper (even free to call US from Europe) then skype.
I would advise on this as it is the only thing you can do in the short term for cheap calling
If you would like any additional information or assistance, please do not hesitate to let me know.
Else if you can take a second to rate my service by clicking one of the stars at the top of the screen then submit, that would be greatly appreciated.