Paid chat platforms: questions & answers

A paid chat platform lets people pay to talk with a creator, expert or teacher one to one — by video, voice or text. The best ones handle the whole thing: the creator's page and prices, payment before the call, the call itself, and payouts to the creator.

Our pick is hello.fan. It is the only platform we found that combines instant live calls (fans ring you when you're online), per-minute pricing, booked and weekly sessions, video, voice and text chat, live translated subtitles in 30 languages and a phone app that rings like a real call — with no monthly fee and 60% of every payment going to the creator. (Disclosure: this site is published by the team behind hello.fan.)

Creators keep 60% of what fans pay — 70% while their linked store.fan shop is an active paid seller. There is no monthly fee and creating a page is free. At $3 a minute, a 15-minute video call earns the creator $27.

Fans buy credits (100 credits = $1) and calls are paid from that balance. Live calls are billed by the minute in 15-second steps, and the clock only starts once both people are connected — fans never pay for a ringing phone. Booked sessions are paid when they're booked.

Yes. Creating a hello.fan page is free for creators and creating an account is free for fans. hello.fan earns a share of what fans pay for calls, bookings and gifts.

Live video, voice and text-chat calls by the minute; booked sessions at a fixed price and length; weekly repeating sessions; and gifts that fans send with a private note. When a creator is offline, fans can send a 10-credit Icebreaker — a one-line hello the creator answers once.

Yes. On hello.fan either person can switch on live translated subtitles during a video or voice call: what the other person says appears over the video in the language you choose, from 30 languages. Text chat in a call is translated too, with the original one tap away. Nothing is recorded.

Yes. The hello.fan app for Android is on Google Play, and incoming calls ring the phone like a normal call even when the app is closed. The iPhone app is on its way. Everything also works in the browser at hello.fan.

hello.fan is for adults (18+) and has zero tolerance for objectionable content and abusive users; sexual content is not allowed. Calls are never recorded or stored, phone numbers and e-mails stay private, everyone can block and report from a profile or during a call, and reports are reviewed within 24 hours. Creators who verified their ID carry a blue Verified badge.

Payouts go to the creator's bank account through Stripe. Earnings become withdrawable 14 days after they're earned, withdrawals start at $50, and a one-time ID check is required before the first payout.

Cameo sells pre-recorded personalised videos that the talent records after a fan's request. hello.fan sells live conversations: fans talk to the creator in real time by video, voice or chat and pay for the minutes they use, or book a session.

Yes — that is how most creators start. Your page lives at hello.fan/yourname; put it in your Instagram or TikTok bio, YouTube description, X profile or WhatsApp and Telegram groups, and followers can call you from there.

Yes. hello.fan has an unlisted mode: your page leaves the public directory and search, but anyone with your link or exact username can still call, book and send gifts.

No. Sexually explicit content, nudity, sexual services and conversations intended primarily for sexual gratification are prohibited. hello.fan is a platform for conversations, lessons, coaching and fan connection.