i am new to this and curious. i have me first meeting with a girl from back page. she is stating she is massage with mutual touch...what should i expect and what about payment

To get arrested by LE, or get knocked over the head by a pimp, or get upsold or robbed.

Or you might have a great session.

Truth is we can't tell you what to expect, and you have no way of knowing what to expect if she doesn't have reviews.

Do yourself a favor and get VIP here and search reviews. Read the self help manual, and read back a bunch of pages here on the newbie board.

Don't hire a girl based on her ad. Hire her based on research and reviews.

but if you find a well reviewed gal who offers mutual touch, you can expect a hand job while she lets you touch her body.

She may or may not be naked, but if not she will let you stick your hand up her shirt or up her skirt (or down her pants, depending), and may even allow penetration, but don't count on it.

An extra C note may get you a bit further, but don't try on the first date.

YMMV is key and I believe comfort level is everything.  I recently met with a CMT who does massage in the nude, allowed (at least with me) touching everywhere with a lot of B2B - WITH a great massage. I did, btw find her on BP and she has a no review policy so I went with my gut and was happy I did she's a keeper.