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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.

If a customer disputed a charge, the telephone company would usually “forgive” the charge but block the caller from calling any other chat lines.

By 2007 only Verizon, Sprint and AT&T remained in the chat line business in the U. By 2007 Verizon and MCI had merged and only a few chat line companies remained active as a result.

Software platforms were custom written to handle money collection and transfer, connecting caller and sex worker though neither could see anything but the platform's phone number, and metering the connection.

Big platforms as of 2016 are Niteflirt, Talkto Me, and My Phone Site; the latter also includes provision by which a manager, with the consent of the providers, could have a virtual shop with many providers under them. Customers had a variety of payment options, and pages of providers to choose from, sometimes with voice samples available.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.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.By the end of the 1980s, nearly all of the major local phone companies in the United States, plus the major long distance carriers, were actively involved in the adult chat line business.The telephone companies would provide billing services for chat line companies.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 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.

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