I could be wrong, but as it stands right now, I don't think you have to pay to be part of the live chats. You do have to have a membership to start a chat room (and without a regular monthly subscription fee, any user-created room will disappear in a day or two.)
But to participate in the chats, you should be able to use this link:
A real-time group fellowship application for Christian community building
christianchat.com
It will bring you to the login page where you just use your regular user name and password like you do for the forums.
It will then either put you into a chat room, or give you a list of rooms to choose. People usually go to the one with the most people, but the choice is yours!
Feel free to check them all out.
Hope this helps.