To the OP: I was about to jump in with an echo of the line "don't pay her just to chat", as I certainly wouldn't, that said, who I am to judge with what you do with your "private time"?
I think a lot of the advice here is well meant, if often bluntly expressed. This sort of thing can easily end in tears.
If you want to know if there is genuinely something there, then ask her out for a drink or meal or whatever with no money involved, even if it is just as friends. You certainly won't know what's going on if you just turn up and keep paying her for a chat. Be warned though, you might have more to worry about if she says yes, than if she says no.