ja, Your question indicates that you have alot more reading to do before "you take the plunge"
Choose an EXPERIENCED lady who has been well reviewed over many months.  Check the other reviews of the reviewers to confirm that they're legit. Maybe even PM (send a private message to) a few.  You'll need a VIP membership.  By the time you arrive at the incall or she to your room, you will have dicussed the charge.  Please note that providers do not like to get too specific on the phone.  Any thing they say can be held against them in a court of law.  Place the money (most seem to put it in an envelope) in a conspicuous place.  Do NOT mention the money or sex.  Once you're both undressed and you're going at it you'll be able to say what you want.  Always be a gentleman.  Always have yourself squeaky clean.  It's only been several months since I "discovered" that there are attractive, clean, healthy, and ethical ladies providing sexual companionshp that I can occasionally afford.  It's improved my outlook on life.  Enjoy!!