No value until activated at register. Here's How to Top-Up: From Your Phone: Go to My Account on your Virgin Mobile or payLo phone, select Top-Up and hit OK. Enter the PIN. Use your cash balance to buy payLo or Virgin Mobile services - or - dial (star) PAY ([star]729) on your Virgin Mobile phone. From our Website: Go to the Top-Up section of virginmobileusa.com and enter the PIN above along with your mobile phone number. Use your cash balance for payLo or Virgin Mobile services. For more information on Top-Up options, visit virginmobileusa.com. This card may only be used to add voice, messaging and content services to your Virgin Mobile or payLo account. Purchases with this card are intended for domestic and international usage originating from the United States, and may be used only for calls made or messages sent from Virgin Mobile or payLo phones. The value of this card cannot be applied to any other wireless service. Virgin Mobile does not accept returns or provide refunds for Top-Up cards. Please check with your retailer for its return policy. Calls are billed in one-minute increments, with a minimum time per call of one minute, and are rounded up to the nearest whole minute. Virgin Mobile and payLo customers have access to service on the Nationwide Sprint Network. Coverage not available everywhere. For details and latest service options and rates, for a detailed map and to check coverage in your area, and for more information on Top-Up options, visit virginmobileusa.com. This card will expire 5 years after the date of purchase, except where otherwise prohibited by law. Upon redemption of this card, the funds applied to your account will be subject to Virgin Mobile's terms of service which can be found at virginmobileusa.com. Please visit our website at virginmobileusa.com or contact Virgin Mobile At Your Service at 888-322-1122 with any questions concerning services from Virgin Mobile. If you are unable to resolve your concerns with Virgin Mobile, you may file a complaint with the Federal Communications Commission, Washington, DC 20554. Scratch for PIN.