There are many ways to make money with sex chat online.

You can perform in front of your web cam and earn money from the tons of people that are online looking for live girls and guys to video chat with. You can have your own web site and promote yourself through various social media, gain fans and all that.

The fastest way to get paid the most at first is to sign up with the big portals that already have lots of customers, advertising and payment processing.

(click here to jump down the page to our top 3 paying video chat portals below)

I generally suggest signing up with the major portals to get things moving quickly, and also get your own web site so you can capture bigger money from regulars as time goes on.

You could have your own web site that promotes sex chat through one of the many adult webmaster sex chat affiliate programs, and earn money when people sign up for paid private sex chat with other performers as well- this is popular with many adult web site owners and operators aka webmasters.

There are other ways to make money from sex chat on the internet, selling calendars, membership sites, patreon or similar “support my arts” type sites, writing blog posts, fan fuck-tion / fan fics, books, sex toys, panties, custom pics and videos, etc – we will talk about those smaller niche opportunities on this other pages of sex chat guru.

This page will primarily for the girls and guys who want to get naked online in videos, or via live video chat, and make money from home.

I have helped people get online and do sex chat in many different ways, the most popular, and easiest option is to sign up as a cam model, or chat host as some places call it, at one of the larger, established, sex chat cam portals. You could also setup your own website, or simply get some payment methods set up and start e-whoring, as some call it, through other portals like facebook, instagram, etc. You could join in with others that already have these things set up as well.

Portals Paying You

When you sign up as a cam model through one of the major portals, like livejasmin or flirt4free, and they process all your information, charging customers, payments and have large affiliate networks of sites all sending customers to the portal.

(click here to jump down the page to our top 3 paying video chat portals below)

Once you have done the paperwork, sent in copies of your IDs, and been approved, you will get your own username and password to log into the performer side of their system. When you log in, your picture and web cam video feed will show up not just on livejasmin dot com, but also hundreds of other web sites that are promoting the livejamsin network.

Your cut of the money will vary from portal to portal. Some advertise that they pay the girls 50% of the money and do it fast. I would expect the average to be closer to one third – so if a customer if tipping you $21 in a show, you may only get $7 of that if other affiliates and expenses are getting paid. If you get a $100 private show, you may only get paid $33 of that.

It all depends on the portal / network and how they have the split setup. Places that hold money for a few weeks before paying are likely to be more consistent. Places that say they pay more and pay faster concern me – how are they handling chargebacks, and how are they making money if they are promising you so much and the affiliates that promote them.

Direct Customer-to-You Payments

You can get people to send you money directly, heck you can meet up in person and get cash – it is king. Cash is great, you can spend it immediately. Getting a large amount of cash has some security concerns to consider, and if it’s an amount over $500 or $10,000 – then it could trigger some legal requirements if you decide to put it in a bank.

Most internet models are not getting cash, it’s simply not an option in most cases. I have seen girls ask for money to be wired, or sent via western union, and know one girl that would accept money orders sent through the mail. These options are not very efficient in my opinion – although the processing fees are small.

I have seen girls get a square account and get guys to swipe a card on their phone to have money electronically pulled from their credit or debit card into the girl’s bank account.

There are options to get money emailed to you through gmail / google pay, and now facebook cash, and similar methods – however, I would not create a business plan around that – as these systems may not let you do it for adult related businesses, or they may for a while and then revoke the account at a later time. There is also little known about how they plan to report the money sent and received to authorities like tax places and such – certainly a sticky situation compared to someone sending you some bitcoin or monero / zcash for example.

Cryptocurrency aka Bitcoin notes

The crypto coins do not have the same issues with controlling overlords taking percentages, holding your money, canceling your accounts, or reporting your financial activity to multiple agencies.

Bitcoin is not anonymous – there are methods that can be used to minimize worldwide knowledge of your transactions through bitcoin. Mixers charge a percentage to do that, and even then, there is a worldwide shared log of the addresses that bitcoins go to. You can get a new address for every payment sent to you, but do not think that accepting bitcoin is going to keep your financial transactions from the various agencies around the world that may have an interest in how much money you make.

Zcash, monero and some newer systems are working on totally anonymous methods of moving crypto coins, these are very new and not yet fully tested.

Direct to you payments put the burden of dealing with fraud and such on you for the most part. This means if someone sends you $500 and then they deny the charges to their credit card company, or it turns out it was a stolen card or something, then the card company takes that money back and sometimes charges you a fee on top of that.

Most credit processing systems will cancel your account and thus your ability to process cards in the future if you have “too many” chargebacks as well.

Third party processors tend to handle fraud better, but there may be times when someone wants to send you money, but the processor will not accept their payment – for whatever reason. So there is good and bad in whichever method you choose to use to get money.

The different ways of getting paid online all have their good sides and bad.

Online Payments through third party providers

There are many options for getting money through a third party payment processor. Credit cards, debit cards, online check, even paypal and digital money like bitcoins can be sent and received using third party companies.

The third parties take a cut of the money, and that amount varies on several factors. If you are getting paid through a major cam portal, then they are using their own processing account for visa / mastercard, etc. They are going to take a portion of the money for handling the transaction, and percentage to pay staff, and affiliate advertising in most cases.

Third party processors generally have better systems set up to detect fraud, and they are taking on some risk by processing. They also have to pay fees for the ability to take visa and mastercard.

Online Payments Direct

You could try to setup your own payment processing account – simple things like square, stripe, and paypal may let you get paid from people online – but they may deny you or cancel your account if they find out you are doing sex chat – these things have been in a state of flux over they years – so current usage with these places will vary. In order to avoid getting your money taken and account shutdown, I suggest asking the payment provider straight out if they have any problems with you stripping for money and using their system to get paid.

You might get the best rate for taking money if you go to your local bank or credit union and ask to get a visa / mastercard processing account – a few dollars a month and a few percentage points would be a nice rate – however not all, and I would say most banks are not going to allow you to do adult entertainment with a basic account.

Some banks consider adult entertainment to be something they do not want to be associated with. Some banks consider it “high risk” – and therefore charge extra money per transaction to do it.

Aside from the banks, the credit card processors have gotten away with charging extra fees to adult entertainers as well.

If you get your own account or even when you go through a big name processor like CCbill – you will find that the credit card companies are requiring additional upfront fees just to start accepting credit cards, and then they also charge a higher percentage because you are in adult entertainment.

The taxman knows – don’t get surprised

Talk to an accountant locally – they may save you tens of thousands of dollars. Tax law varies from place to place. In my local place, I assume that 33% (one third) of the money they people send me is going to the tax man. Put that money into a separate account, and pay your taxes quarterly (every 3 months with the standard forms) if you are in a situation similar to mine.

The places that move money to you, and the places that you move money to, will likely send that info to the IRS and other agencies – so they are going to know that you got money, and expect to get their share of it.

Sure you can write off expenses and all that, but don’t be one of those people who did not know that the cam providers send a notice to the IRS at the end of every year detailing how much you got paid, and any money you put in the bank, even if it was handed you in cash, is likely being reported to various agencies as well. In some cases, the banks file “SAR” on people – so be prepared to explain where you got the money and show you are paying whatever agencies you have to pay off.

We are considering running a service to handle these payment and tax things for people, as well as insurance and other things – if you’d like more info, send an email.

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Learn the rules for whichever system(s) you are using

Most of the major sex chat portals have similar rules, and you can expect at most places that once you are logged into their system, soon after people will start text chatting with you in the “free preview room”, and you’ll need to convince them to buy private time with you to get paid. Most professional sex chat portals do not allow the performers to get naked or even show their breasts in the free chat areas, which entices customers to buy credits for private shows.

Depending on the system, some places pay out by the minutes a customer spends in your private chat area, so it can become a game to tease and tantalize, trying to keep a customer in the private area longer, of course, you’ll need to be careful not to drag out things too long, or they may disconnect and ask for a refund.

When you are performing on with a sex chat network, or chat host portal, pay strict attention to their rules, and be aware of how they can use your images and video and how they can make money off of you. Some sex chat portals have an option for customers to watch in a “voyeur” chat for much less money. So if you are in a private chat getting nude or whatever and charging on customer $5.99 / minute, there could be other customers watching you on video for like $1 per minute. If the portal you are working for has this option, make sure you are getting paid your percentage for it.

Most professional chat portals are splitting the money with girls at somewhere around 20 – 30 percent of what the customer is charged. For example, if you get a customer in a private chat for 5 minutes at $5 per minute then they get billed $25 – which means you get like five to six dollars for that show. I’ve written more about this on the blog post about how sex chat services cut up the money. In short, the money that customers pay for sex chat is split up to pay credit card processing, pay for webmasters who send the customers, pay the performer, pay themselves, pay for bandwidth etc.

Now you can make more than the twenty to thirty percent in several ways. One way to earn more of the money is to have your own web site or web page that brings the customer to the portal. If you are the webmaster that sends the customer, often you earn 20 to 30 percent also. You can get customers to your web page through social networks like myspace, or adults only space, etc. When you become the webmaster who brings the customer, you get paid a percentage of all the money the customer spends on all the girls at that portal.

You can, of course, try to run the whole sex chat operation yourself, I have seen girls try to use skype, pal talk, or stickam, or other services to do paid sex chat, but there are many issues in doing that.

First, it may be a violation of the terms of service for yahoo and the like, and you can get your accounts with those services deleted if you are caught doing professional sex chat through them. Then you lost all your contacts you had there. Then you also have to deal with the getting paid part, which is a whole ‘nother can of worms.

I’m going to wrap this up by reminding you to read the rules and contracts of anything you get into. There are important things to consider.

Follow the rules, and you can make some good money, all from the comfort of your own bedroom, without having to leave the house. Definitely read the sex chat considerations that I posted.

The top 3 portals to consider camming

We’ve promoted dozens of cam sites over the years – these three portals have consistently paid more money from more customers than all the others combined.

And when you are ready, I suggest registering as an interested performer with AWE / Live Jasmin – we make the most money with this sex chat program, their live jasmine site is uber popular and is heavily promoted on many web sites around the world, which brings you many potential customers!

Another mega portal worth trying to get on is the flit4free system. You can learn more about their program at the “webcam 4 money site” – Webcam Performers Wanted – Earn $100,000 per year! They do not accept most people that apply – as they are trying to get only top notch, above average quality cam girls and guys showing up through their system. If you can get accepted there, they generally charge customers a bit more than some of the cut rate places. This is good for certain things.

A newer portal that pushes a good amount of money and visitors is chaturbate – it’s a very different kind of pro cam portal in that in many ways it’s opposite of the older more established cam sites. With chaturbate a majority of the cam girls, guys and couples are just getting naked and having sex right there on the free front page. The models are basically giving away the sex for free to everyone who wants to watch, and the depends on a few people tipping tokens for the group. Sometimes they post “goals” – like “showing pussy once the tips have reached 200 tokens” – stuff like that.

Sign up with Chaturbate to try it out here.

Some people do good with this kind of setup, a few girls with really over the top personalities get popular and get money for having genuine fun. Other girls appear to begging for money while fucking themselves with the camera closeup for the world to see. You experience may vary.

Make even more money

To make even more money doing live video sex chat online, see our post about webcam model lighting tips!

Sex Chat Guru is launching new web sites that will allow cam girls and guys to make extra money. Subscribe to our semi-monthly newsletter that includes tips on earning more money, along with invite codes to our new sites – register your email addy via our info request form.

We have several projects for cam girls to earn money making video ads, merchandising, doing promo videos, promo appearances, around the country and around the world, and some non-nude costume chat sites that are going to be lots of fun. We are also in talks with some product manufacturers to do some co-branding with various sex toys and other cool things. So sign up to get in on this action with us via sex chat guru.

We also have promotion opportunities on several websites that we have been running for years. Let’s get together and have fun and make more money!