Have you considered that the 'horny Joe' might want to have cyber sex with the lady on the chat? Will they be on cam? Maybe, what you need is a merchant account.
Another thing, what is your traffic like? If it's a lot of bulk traffic the chat lady will be working for free a lot.
Bottom line, it probably won't work.
HTML5 WebRTC will allow for P2P Webcam and Audio so have fun ... Maybe, make the guy flash his credit card and then the girl can flash her tits and pussy or ...NVM
