System and method for real-time bundled telecommunications account processing and billing

A method for real-time bundled call processing and billing telecommunications services includes the steps of recognizing a real-time bundled account access call at a telecommunications carrier switch, and routing the real-time bundled account access call to a real-time bundled call processing and billing call management platform coupled to the telecommunications carrier switch. An account number and an optional personal identification number associated with the account are collected and verified. A destination number is then collected. A customer credit profile associated with the real-time bundled account is obtained from a database, and a method of computing charges associated with terminating the call to the collected destination number is determined. Next, whether the customer credit profile permits the call is determined. The call is released to the telecommunications carrier switch for line termination if it is permissible, and the call is monitored for call completion. The charges associated with the call are then posted to the real-time bundled account.