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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.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.The sexually explicit conversation takes place between two or more persons via telephone, especially when at least one of the participants masturbates or engages in sexual fantasy.Phone sex conversation may take many forms, including: guided fantasy, sexual sounds, narrated and enacted suggestions; sexual anecdotes and confessions; candid expression of sexual fantasies, feelings, or love, and/or discussion of very personal and sensitive sexual topics.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.

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.

The incentives for providers were then reversed; rather than earning money from keeping the customer on the line (orgasm delayed), they earned more from bringing the caller to orgasm quickly, so as to move on rapidly to another call.

Unused minutes were rarely usable on a second call.

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.

Details vary significantly from one platform to another, but the provider may be given a personal page on the platform to use however she (sometimes he) wishes.