How to earn cash from chatting with strangers?

From your dashboard you can set your own rate for messages, live chat or video chat. When other users send you messages, live chat or live video chat you earn a % of cost to other users.

Do I need to pay to chat with other users?

It depends on the other user. If another user has set a cost for chatting then yes you have to pay otherwise it is free.

How to earn credit?

You can earn credit by verifying your email, address and ID.