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Originally, per-minute billing was provided by phone companies (in the U. There was, from some services, an attempt to keep the caller aroused but short of orgasm, so he would spend more money.
(This attitude still survives among some providers.) When public (mostly female) pressure forced the phone companies to stop providing this service to sex workers, a transition was made to a manual method: pre-paid blocks of time, 10, 30, 60 minutes, whatever the customer would pay for.
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.This is the world portrayed in Spike Lee's movie about phone sex, Girl 6.