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Unused minutes were rarely usable on a second 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.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.Later she recorded others such as Annie Sprinkle "talking sexy".

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.

In the sex industry, similar platforms emerged facilitating the selling of used panties and other odoriferous garments, and for "cam" video sessions, in which the customer, for a fee, can direct the woman on the video screen, and for a higher fee, have a private connection (no one can see caller or provider except each other).

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 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.

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