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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.

All have some way for a provider to post a picture and some text.

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.

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.

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

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.

With the progress of technology it became more practical, convenient, and economical for providers to work out of their homes.

Human dispatchers — female, except for gay male phone sex — answered the advertised phone numbers, processed payment via credit card, chose who of the available performers in the dispatcher's judgment best matched the clients' fantasy (grandma, black girl, college girl, etc.), and connected the client with the provider. Either could hang up, though some services put economic pressure on providers not to do so.

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