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The most cost effective way to begin is to use an open source solution such as the SIP Express Router (SER) from IPTel.org. This product has the ability to support many features and allows you to manage everything with a Web-based interface. It also supports RADIUS for accounting and authorization. The cost of this depends upon how much time you spend on customization and what hardware you decide to run on. You have to rent some space at a data center for your solution and you would likely want to establish redundant servers.
You will have to go and develop partnerships with different carriers and negotiate rates for terminating calls through their network to the PSTN. The QoS will depend heavily on the broadband service providers that people select and on the networks of the partners that you select. Before providing your offering, you'll likely want to come up with a nice interface so that customers can access all information over the Web, such as current billing and account information.
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