A device communicates with a telecom system to establish a call or data session. The communication includes an identifier used by the telecom system to obtain account information and/or preauthorization from a fund guardian. The fund guardian maintains account information about the device and/or subscriber associated with the identifier. A fund guardian authorizes a call access cost or data session access cost. The telecom system facilitates the call or data session between the device and a destination address until the authorized access costs are expired. A reauthorization can occur prior to expiration. An access rate negotiation may also include a bandwidth negotiation.