As someone who has probably had a few hundred 'massages' (around 20 a year, for, say, 20 years), I can't recall having paid for a dressed HE. Naked, the girls will allow touching, the question is how much. Some take the 'Bikini' bottom rule, that is, if it's hidden by a Bikini it's off-limits. Some don't allow touching touching of the boobs, some just don't allow touching of the nipples. Touching of the pussy is sometimes allowed. Insertion is rare, but some allow it. Dressed, before HE, most will allow touching of the legs & arms, and usually bum.
Generally I ask, often by touching say a leg and saying 'OK?', and gradually boundaries are set. Also, boundaries shift. One girl I used to see a lot has allowed me to touch everything, but then sometimes says 'boobs only'.
Touching of course leads onto licking/kissing. Quite a few allow the nips to be licked, quite a few do not. Just ask, or, if the English is poor, indicate what you want to do, or sometimes (depending on the build-up) do it for a second, and ask if OK? However, asking before is always the safest route.