Bob only some PDA's have built in phones, like the Jornada, XDA 1-2, yes they can be used on pay as you go. Bluetooth in simple terms is technology that was designed to remove the need for cable links, it uses radio signals to send data back and forth. Bit like IR but it uses radio signals so can pass through walls does not need to be in line of sight. You can browse the internet via your PDA if you either have a integrated phone or via linking your PDA to a phone via Bluetooth or using WIFI, you can view normal web pages. I would recommend that you have a look at the XDA2.
http://www.totalpda.co.uk/product4611_0.aspx