I think the entire "pay later" thing is quite one-sided and unfair to the lady (per se). Because the person goes to THIER apartment seeking to meet them. Once he is out of there, there's no way to reach him. Whereas, the lady has a physical location - her apartment - a number she isn't likely to change - and a place where others can discuss her - forums and reviews. So I think that it's much safer for both the person and lady to have the money arrangement right at the start. I myself don't want the lady to wonder whether I'm going to pay throughout the encounter. It's a bit different when you know a person - they're regular or just known to be decent, a certain amount of trust build up.