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Typically the telephone companies would bill callers to chat lines and then remit 45% of the money collected to chat line operators.

The telephone companies placed the chat line charges on a customer's local phone bill.

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The vast majority of modern services in the United States use toll-free numbers whereby clients can dial up to request a call with a particular performer using credit cards, Automated Clearing House systems, and a variety of other billing methods.

There are still some services that rely upon premium-rate telephone numbers (e.g., 976 and 900 numbers) for billing purposes, although this practice has been largely abandoned due to the high rate of fraud associated with these lines and the inability to dial 900 and 976 lines from cellular phones.

Verizon provided billing services to calls made in Massachusetts, Rhode Island and Maine.

AT&T and MCI offered nationwide collection services, with a cap of $50 per call.

The provider provided (say) 10 minutes of service, but got to keep all of the money (say 20 minutes).

When the Internet got relatively mature, sale of any sexual service not involving a minor could be made to anyone not a minor.Nevertheless, phone sex should not be confused with prostitution wherein money is exchanged for real life sexual services or physical interaction.The editor of High Society magazine, Gloria Leonard, is credited with being one of the first people to use "976 numbers", then "900 numbers" for promotional purposes and soon as a revenue stream in the adult industry.This is the world portrayed in Spike Lee's movie about phone sex, Girl 6.At that time independent phone sex was more dangerous, as Lee's movie portrays.With the progress of technology it became more practical, convenient, and economical for providers to work out of their homes.

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