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Software unlocking IS NOT POSSIBLE on iPhone 4S and iPhone 5 running iOS 6.1.3+ regardless of what multiple SCAMS online will tell you.
I have owned a brick and mortar computer/phone business for 5 years now, and unlocking phones is something I have plenty of experience with.
Depending on who subsidized the phone at the point of purchase, some carriers will perform an IEMI (permanent hardware) unlock for fees of $50-300, while other carriers (such as Bell Mobility) simply WILL NOT ALLOW UNLOCKING UNDER ANY CIRCUMSTANCE.
AT&T still seems the easiest phone to unlock, but you must be the registered owner of the phone on an AT&T plan - a measure to prevent unlocking stolen phones.
iPhone unlocking is not nearly as easy as it once was, so be sure to do your due diligence before you buy a locked phone, to make sure you do not end up with a jailbroken iPod Touch at the end of the day.
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