Escort Can be either agencies or single girls doing outcalls. Expect to pay this at least if you decide you don't like the girl for any reason. All except a few solo girls will accept all major credit cards. All will visit hotels but not all will go to private homes. Girls are usually good quality.
Descriptions tend to be reliable.
One lie they will tell is that the girl will be with you in 30 mins. This has been true in my experience sometimes but you can wait for two hours. If the girl doesn't show within a reasonable time they will usually agree not to charge anything. Avoid girls from studios doing outcalls. The best escort agency in the world was an outfit called Sporty Girls that ran here in Sydney for about ten years until 1984.