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Phone sex is a conversation between two or more people on the phone where one or more of the individuals is describing the act of sex.

Phone sex takes imagination on both parties' part; virtual sex is difficult if the operator does not put the images in the head of the caller and the caller must be open to the pleasure as well.

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.

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.

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.

Typically the telephone companies would bill callers to chat lines and then remit 45% of the money collected to chat line operators.

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

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.

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