The architecture of the present invention includes a multi-media multi-network communication server connected to a variety of access and delivery platforms via a variety of communication networks. Access to services is controlled and billed by a virtual prepaid card and account that can be converted into a physical prepaid card that is delivered to the user via a physical delivery network such as the Postal Service or a point of sale. The access platforms are used by senders, recipients or agents to access their digital mailboxes on a multi-network communication server and to send and receive calls and messages. The messages can be in electronic format such as text, audio, graphic images, video, and audio-video. The calls can be packet switched or circuit switched. The multi-network communication may send a notification message to the recipient, indicating that a message has been received. The message can be accessed remotely or wireless. The message can be viewed, heard, or viewed and heard, depending on the capability of the delivery platform being used by the recipient user. It can be redirected to a different delivery platform or a particular delivery network. Over the phone the messages can be retrieved and responded by using solely the user voice.