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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 telephone companies placed the chat line charges on a customers local phone bill.Once means of transmitting payment were developed, phone sex turned into primarily a commercial activity, with customers (overwhelmingly male) and sellers (overwhelmingly female).Due to the potential for emotional intimacy between those who have engaged in phone sex, it is a matter of some debate whether phone sex is to be considered infidelity when involving a person outside of a committed personal relationship.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.

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