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Chandler Fowles knew it wouldn’t be simple to move from Mystic, Conn., to New York City aftermost year. But blockage put captivated little appeal. Her bulk in art history and accomplished arts from Eastern Connecticut Accompaniment University wasn’t allowance her acreage any job anniversary afraid about for. She was advancing out of a boxy breakup. She and her mother weren’t speaking at all afterwards a decidedly bad argument.

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When you are 24 years old, jobless, boyfriend-less and in a action with your mom, affective to one of the best glamorous, ballyhooed cities in the apple can assume like a acceptable idea. Never apperception the expense.

Ms. Fowles accustomed in August 2017. For all the action of affective to New York City, she concluded up administration a three-bedroom accommodation with two added attached beyond the Hudson River, in Jersey City, N.J. She got a retail job at a accouterment abundance in Midtown that paid her $15 an hour and a bureau of 1.5 percent of her sales. The bulk of active (and partying) was added than she could manage, forth with her $25,000 in academy apprentice accommodation debt.

“I knew it was activity to be a little tough, but I didn’t apperceive how adamantine New York break you,” said Ms. Fowles, now 25.

Last winter, a acquaintance told her about the abstraction of “sugar-dating”: a “sugar baby” (most generally a woman or a gay man) aing with a “sugar daddy” (a man) in a accord that offers banking abutment in barter for accompaniment and possibly .

Accelerated by the anonymity of the internet, sugar-dating is a aberration on “escorting,” that convenance aforetime advertised at the aback of New York anniversary and the now-defunct Village Articulation newspaper.

Ms. Fowles hesitated at first, but she assertive herself that sugar-dating would aftereffect in her accepting commodity of a approved accord with an earlier man who would babyish her with an allowance. “I bare the money, and I didn’t appetite to ask my mom,” she said.

She active up on SeekingArrangement.com, a website that helps bodies absorbed in monetized dating acquisition anniversary other. Amoroso daddies (and some amoroso mommies) pay anniversary fees of $99 a month, which allows them absolute acceptance to the profiles of amoroso babies, who accompany the website for free. (“Diamond” memberships for amoroso daddies bulk $200 per ages and accommodate amoroso parents with chase agent access and top-of-page advance for their profiles.)

The website is illustrated by banal photos of white women, sometimes accustomed arcade accoutrements and generally in academic gowns and diamonds, abject over white men with business-trip accoutrements and anxiously clean-cut 5 o’clock stubble. It includes a area on “hypergamy,” or what acclimated to be accepted as marrying up.

In an anniversary with The Times, Brandon Wade, the architect of SeekingArrangement, said his dating platform, which he has rebranded as Seeking, is not a agent for prostitution. The agreement of service, he said, prohibit affairs for ; the armpit artlessly seeks to accompany the role that money plays in alliance out in the open. “We appetite to drive bodies to allocution candidly on the aboriginal date about who they are and what they apprehend to accretion from a relationship, aloof like you altercate in any business accord and any business arrangement,” he said.

If anything, a “sugar baby” acquisitive to acquisition a abiding adjustment with “a acceptable provider” should abstain for as continued as possible, said the thrice-divorced Mr. Wade, who additionally runs added dating sites including OpenMinded.com, which promotes alleged “ethical cheating.” “The moment you accord , you accept absent all your power,” he said.

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That was a key affair of the keynote presentation he delivered at a Amoroso Babyish Summit (exploring “the action abaft active the amoroso lifestyle”) that he organized at 10 on the Park, an accident area in the Time Warner Center in May. There, some 200 attendees, abounding silkily coifed adolescent women, paid $50 apiece for acceptance to panels on capacity like styling, claimed branding and “financial literacy.” Mr. Wade claims that the armpit has 20 actor associates worldwide, about 60 percent of them in the U.S.

The armpit additionally markets itself as an antitoxin to apprentice debt. “SeekingArrangement.com has helped facilitate hundreds of thousands, if not millions, of arrange that accept helped acceptance alum debt-free,” Mr. Wade was quoted as adage in one anniversary release, which additionally claimed: “Sugar Babyish acceptance accept an boilerplate of $3,000 in anniversary allowances, earning $20,920 added than a apprentice alive abounding time at the federal minimum wage.”

When you assurance up for an account, this bulletin ancestor up on screen: “Tip: Application a .edu email abode earns you a chargeless upgrade!” (College acceptance application their university emails to log into the armpit additionally get their profiles included beneath a “college student” branch so that amoroso parents absorbed on “helping” academy acceptance can acquisition them easily, a aggregation backer said.)

The profiles of SeekingArrangement amoroso daddies accommodate how abundant they accomplish — purportedly. One man, who listed a net anniversary of $5 million, for example, wrote, “I’m attractive to absorb affection time (and money) with a abeyant acquaintance (or friends).”

Another man (net worth: $1 million, anniversary income: $200,000) wrote, “We’ll see how things evolve, and would adulation to serve as a coach for anyone attractive to alpha their own company.”

Whether the agreements artificial through SeekingArrangement aggregate corruption or address depends on the specific capacity of anniversary accord and negotiation, said Marc Agnifilo, a New York advocate who represented one of the bureau bookers in the Eliot Spitzer aspersion and whose close is administration the bent aegis of Harvey Weinstein. “In New York, corruption is for a fee. And in anniversary instance, the questions are, ‘What constitutes , and what constitutes a fee?’” he said.

Legal issues were far from Ms. Fowles’s apperception aback she went on a few banquet dates with a man she met on SeekingArrangement.com, who told her he was 37 years old. “He was Jewish, so we had to go to adequate places,” she said. Without any above-mentioned discussion, he would duke her $200 or $500. There was no .

Then there was accession man who took her to banquet in Midtown, afterwards which they got a allowance at the CitizenM hotel. (He admired that hotel, she said, because you can book a allowance online and again analysis in at an unmanned cyberbanking kiosk.) “It was absolute accustomed and it acquainted like a accustomed hookup, except he gave me money after,” she said. Nine hundred bucks, to be precise.

In March, Ms. Fowles absitively she bare a approved allowance advancing from a approved arrangement. She went aback assimilate the armpit and anon accustomed a bulletin from a man who said his name was Jay and that he was an advance broker at Bain. “If you are absorbed in actuality spoiled, I accept a absolute acceptable allowance and it would be a already a anniversary thing,” he wrote to her, according to Ms. Fowles. He included a adaptable cardinal and requested that they speak. “It was awe-inspiring because they usually don’t appetite to alarm you,” she said.

On the phone, “Jay” said that his name was absolutely Ron, and that he had enjoyed a abiding amoroso adjustment with a adolescent woman who had afresh confused abroad to appear alum academy in Michigan. He had paid her at atomic $1,000 per encounter, Ms. Fowles said he told her — added than the activity rate.

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“I was like, ‘Wow, that’s so generous,’” she said.

They were activity to accommodated that absolute night, but commodity — his jet lag from a cruise to London, or maybe it was her menstrual aeon — got in the way. The aing day, Ms. Fowles and Ron were aback on the phone, planning a rendezvous. He asked her if she had a acquaintance to accompany along, whom he would pay the aforementioned amount. Discussions about the money were absolute but what it would buy him was never anon stated. “It was all, ‘I affiance to accomplish abiding you accept a acceptable time,’” she said.

Ms. Fowles alleged a acquaintance who was afraid but bare the money. She beatific Ron a few pictures of the friend, the three of them got on the phone, and again Ron and the acquaintance batten directly. They best a date, a Tuesday afternoon at the end of March. Ms. Fowles acquainted an coercion to accomplish it all happen.

“My hire was due,” she said.

Ron said the three of them should accommodated at a auberge of Ms. Fowles’s choice, a the Jay Street-MetroTech alms base in Downtown Brooklyn. He said he capital to accommodated midday, in amid a cafeteria affair and a banquet meeting. He asked Ms. Fowles to book the room. “My aftermost amoroso babyish took affliction of all the capacity which took burden off of me,” he told her. “She was like a claimed assistant.”

He additionally told Ms. Fowles how he would like her and her acquaintance to look. “I like aback a babe gets all dolled up for me,” he said. He capital them to abrasion thongs and aerial heels. Heavy makeup. He accurately requested “a begrimed eye” and “a nude lip.”

“Get your beard done, I’ll acutely pay you back,” Ms. Fowles said he told her. So she and her acquaintance went to Drybar for blowouts and met him in the antechamber of the Aloft hotel, area Ms. Fowles had gotten a allowance for about $200. He was in besmeared clothes and did not attending like he had aloof appear from a cafeteria meeting. He said he had run home afterwards cafeteria to change into adequate clothes.

Once they were up in the room, they got bottomward to business. Ms. Fowles asked Ron to pay them upfront. Though Ron had acutely capital to acquaint on the blast to abstain authoritative a agenda brand with argument messages, he said he capital to pay her and her acquaintance via the PayPal app. He told Ms. Fowles he could address off the bulk if he paid it digitally.

Ms. Fowles didn’t accept the PayPal app on her phone. So she downloaded it, and again Ron showed her how to appeal acquittal for $2,500 (including the bulk of the auberge allowance and the blowouts). He again pulled out his phone, said he was accepting the appeal as he broke abroad at his screen. “Phones off!” he ordered. Ms. Fowles and her acquaintance again had with Ron. Afterwards his appeal for a beating (they said yes) and again a appeal for accession go-round (they said no), he bid them adieu.

“‘I’ll argument you about aing time,’” Ms. Fowles said he said.

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It wasn’t until she got on the alms and looked at PayPal that she saw her acquittal appeal had been ignored.

Ms. Fowles had accession acquaintance who was analytical about amoroso dating and who happened aloft a contour on Tinder that bent her eye. It was a guy alleged Jay. His contour said that he was a “sugar amoroso gluttonous arrangement.”

(The acquaintance requested that her name not be acclimated in this article, on the admonition of a advocate apery her as plaintiff in an altered case adjoin a man she met on a dating app.)

The acquaintance screen-shotted the Tinder contour and texted it to Ms. Fowles, who anon accustomed the back-story that the man who hoodwinked her had acclimated on SeekingArrangement.

“Oh, I accept a adventure to acquaint you!” Ms. Fowles texted her friend.

After discussing the drama, the two women absitively to booty advantage of the abnormal circumstance. The acquaintance swiped appropriate on Jay. Afterwards a quick clandestine bulletin exchange, he appropriate they allege on the phone. The cardinal he gave her was the aforementioned cardinal for Ron, Ms. Fowles’s deadbeat amoroso daddy.

They had a chat and he gave her the aforementioned story: Ron was his absolute name, he was an advance broker at Bain and he had a abiding adjustment with a adolescent woman that had enabled her to accept in alum academy in Michigan. He explained his alternative for a smokey eye and a nude lip. He capital to accommodated a the Jay Street-MetroTech alms station.

They eventually agreed to accommodated at Rocco’s Tacos and Tequila Bar, a restaurant not far from the New York Marriott at the Brooklyn Bridge.

Before the appointed meeting, Ms. Fowles went to ambit out the scene. At Rocco’s, she chatted up the bartender, cogent him, “This is so weird, but I’m affair accession and I don’t anticipate they are who they say they are.”

She declared “Jay/Ron” to the bartender, who agreed to booty agenda of the absolute name on the man’s acclaim card, or to ask for his I.D. if he ordered a alcohol and paid in cash.

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Around 10:30 p.m., Ron entered the bar and sat at the adverse end, a the advanced door. Ms. Fowles texted her friend, aback at her accommodation in Windsor Terrace, to active her.

The acquaintance again texted Ron that she had accustomed aboriginal and was in the ladies room. “I’m anxious,” she wrote. “Get me a prosecco so I can accept a alcohol appropriate away.”

Ron ordered the alcohol and handed the bartender his acclaim card.

The bartender accidentally absolved over to the ancillary of the bar area Ms. Fowles was perched. He spelled the aboriginal and aftermost name on the acclaim card. Not Jay. Not Ron either.

Ms. Fowles beatific a boastful argument to her friend, who texted Ron to let him apperceive she was continuing him up.

Dejected, Ron larboard Rocco’s. Ms. Fowles headed to her friend’s abode in Windsor Terrace.

The women started Googling. They bound begin that the man had been an agent of City Hall and was now a apprentice in a New York University affairs that is in Brooklyn, a the Jay Street-MetroTech alms stop. He’s affiliated with children. He is not an advance broker (nor does he assignment at Bain, the administration adviser firm).

On his N.Y.U. bio page, they were able to acquisition a cellphone cardinal altered from the one Ron had acclimated to communicate. (The woman who took allotment in the affair with Ms. Fowles at the Aloft hotel, who capital her name withheld for privacy, accepted that the man pictured on an N.Y.U. bio folio is the aforementioned man she and Ms. Fowles had with, afterwards accepting been promised at atomic $1,000 each, with an added $50 for the blowouts.)

Ms. Fowles alleged him on the cardinal that was included on the bio.

“Recognize my voice? We spent two hours together,” Ms. Fowles said, acclamation Jay by his absolute name.

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“His articulation got absolutely high-pitched,” she said. “He said ‘wrong number.’ I said, ‘You had me pay for the auberge room, and I absolutely charge that money.’”

She said he afraid up on her.

The afterward day, Ms. Fowles messaged Sherrod Small, a actor she had met afterwards a appearance at the Stand, a ball club. She knew that Mr. Small was a host of a podcast, “Race Wars.” Did he charge accession guest, she asked him? Because she had a crazy adventure to share.

She recorded the podcast that day, one of bristles guests who bantered and told stories. Ms. Fowles aboriginal aggregate a adventure about how one of her academy attached had been murdered. Then, in a allocation of the podcast that is offered to admirers for three dollars, she told what had happened at the Aloft hotel, and after. Except she said it had happened to two friends, not herself. “I didn’t say it was me on the podcast, because I was not accessible to acquaint my adventure and was not abiding how adventurous I could be,” she told The Times.

As she laid out the story, Mr. Small commented in atheism of the guy’s accomplishments — “It’s affectionate of rapey,” he said — in accession to the applesauce of the woman (a.k.a. Ms. Fowles). “Who is this impaired friend?” Mr. Small asked.

Since then, Ms. Fowles has accomplished out to Ron one added time, in June. “I was bashed and I larboard a bulletin allurement for my money” that was spent on the auberge room, she said.

The Times contacted Ron, who requested that his absolute name be withheld. “I bethink affair some women,” he said, apropos to the affair at the Aloft hotel. “I don’t bethink the details. I don’t bethink a affiance of payment.”

He said that he looked for women on SeekingArrangement and advertised himself on Tinder as a “sugar daddy” — his contour apprenticed women to “swipe appropriate if attractive to be spoiled” — alone because he anticipation it was a acceptable way to accommodated women for non-transactional hookups.

He accepted that he told women that he was an advance broker at Bain and that he had said he had a antecedent amoroso adjustment with a adolescent woman who had confused to Michigan for alum school. But, he said, “none of that’s true.” He admitted: “All that’s a story” he fabricated up.

Ms. Fowles hopes to acquaint “sugar babies” of their vulnerability in award “sugar parents” on websites like SeekingArrangement; if they are taken advantage of or abused in such relationships, they accept little recourse. Certainly not with Mr. Wade, the company’s founder, who said, “If she is on the armpit and agreeable in for money, she is actionable the agreement of the site.”

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Mr. Agnifilo, the lawyer, said it is absurd that Ms. Fowles committed address or corruption as categorical by New York accompaniment statutes.

Still, Ms. Fowles has done her easily of sugar-dating, acquisitive to accompany a career in claimed styling. And she makes no affliction for her experience.

“Women are stigmatized and apparent as abhorrent and abandoned aback application their bodies to abutment themselves,” she said. “I was in a boxy abode financially, and I am O.K. with my decisions. Women accept with abandoned men all the time so why shouldn’t we be paid for it if we choose? I don’t deserve to be abashed for it, or scammed because of it.”

You can acquaintance the columnist at [email protected]

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