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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.Once means of transmitting payment were developed, phone sex turned into primarily a commercial activity, with customers (overwhelmingly male) and sellers (overwhelmingly female).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.In concept they have a lot in common with platforms such as Ebay: the seller provides the picture(s), description, and sets the price, a percentage of which is kept by the platform.In the sex industry, similar platforms emerged facilitating the selling of used panties and other odoriferous garments, and for "cam" video sessions, in which the customer, for a fee, can direct the woman on the video screen, and for a higher fee, have a private connection (no one can see caller or provider except each other).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.Later she recorded others such as Annie Sprinkle "talking sexy".

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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.

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.

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 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.

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