It doesn't matter if you see her at her actual home, an apartment she rents to do business, or a room that she works out of for a day or two, incall means that she is hosting you and is paying directly for the location, (although , trust me, you are the one paying indirectly).
For example, last week I was with an absolutely fabulous woman at a luxury resort here in Phoenix, I mean the place was awesome, and almost as gorgeous as the lady!!! Did I pay for the locale? Yes and no. She was there that day for a photo shoot, so she planned to be there and paid for it up front, I just happened to be the lucky fellow she chose to see that day to help defray the costs of the photo shoot. Did I pay anything extra to visit her at this resort location? No. Do I care that she likely scheduled me so that my donation would cover the suite for her photo shoot? No, it was good business on her part. Did I have a wonderful time, and leave with a smile? YES! And I am still smiling.
As a rule, but rules can be broken, you only pay for the room when you are the one booking the room. Usually this means 1) you are traveling, and invite a lady over to have fun, or 2) you are unable to host a lady in your home, for whatever reason, and must provide an alternate location.
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