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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.
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.
At that time independent phone sex was more dangerous, as Lee's movie portrays.
This is the world portrayed in Spike Lee's movie about phone sex, Girl 6.
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).
The telephone companies placed the chat line charges on a customers 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.