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Fansly vs OnlyFans: Fees, Payouts, and Creator Terms Compared

Published 24 August 2026 · 6 min read

Fansly and OnlyFans both take exactly 20 percent, and both put that number in the terms you agree to when you open a creator account.

So the fee comparison most posts lead with settles nothing.

What separates them is the ceiling on what a single fan is allowed to spend, and on that they are nowhere close. Every figure below came off the live terms and help pages on 24 August 2026.

The 20 percent is identical, and both say so in writing

The OnlyFans terms of service put it in clause 10: "Our Fee is calculated as 20% of the total Fan Payment and will be deducted from each Fan Payment."

Its help centre repeats it from the creator side, at 80 percent of any fan payment including subscriptions, paid messages and tips.

Fansly clause 15 reads: "Creators earn eighty percent (80%) of the revenue generated on all subscriptions, sales, or tips related to their content and User profile."

The Fansly clause carries a rider the OnlyFans one does not. Fansly may deduct revenue from any sale "that resulted in a chargeback, or any monies earned on subscriptions, sales, or tips related to User Content that violates these Terms."

That is a clawback on moderation grounds, sitting inside the earnings clause.

The spending ceilings differ by a factor of ten

Read the subscription row again. The most a fan can pay you for a month on OnlyFans is $50. On Fansly it is $499.99.

Twenty percent of a larger number is a larger number. If your income comes from a handful of high-spend fans rather than a wide low-price audience, the ceiling decides your earnings and the commission rate does not.

The floors move the other way. Fansly accepts a 10 cent tip; OnlyFans will not process one below $3, which rules out casual micro-support.

One OnlyFans detail catches people out: the $200 tip maximum only applies to fans who have been on the platform at least four months. A brand new fan is capped at $100 however much they want to spend.

When the money actually reaches you

Fansly holds every sale for seven days, and its help centre is precise about it: each transaction becomes available exactly seven days after it was earned, to the hour.

After that you request a payout, and most requests are reviewed within 48 hours.

International bank transfers and cryptocurrency then get batched every three days, and once a payout is sent a 72 hour cooldown starts, with anything requested during the cooldown grouped into the next transaction.

Delivery runs 1 to 3 business days once a payout moves to processing. Crypto, Paxum and Cosmopayment usually land inside 24 hours.

OnlyFans states a single figure. Payout requests "are processed immediately and should be paid within 3-5 business days", stretching to 10 business days in some cases. You can request manually or set a recurring monthly, weekly or daily payout where the method supports it.

How long OnlyFans holds funds before they become withdrawable, I could not verify. The help article covering it sits behind a Cloudflare interstitial that returned a "Just a moment" holding page on three attempts, so the comparison against the Fansly seven day hold stays incomplete.

Fansly's tier count is the other gap. Its help centre confirms creators can run multiple subscription tiers, but publishes no maximum anywhere I could find, so treat any specific tier number you read as unverified.

Payout minimums are per method on Fansly, mostly flat on OnlyFans

Fansly publishes a different floor for each route: $20 for Paxum and Cosmopayment, $50 for SEPA transfers in the EU and UK, $100 for international SWIFT wires, and $100 for cryptocurrency.

Local bank deposits across South America and Asia sit at $20, which covers USD ACH and CAD deposits.

Hard and soft limits behave differently. A hard limit throws an error if you request below it; a soft limit parks the request in approved status until your cumulative requests reach the minimum.

SEPA gets its own exception. You can request as little as $20, and if your cumulative total never reaches $50 the payout is sent automatically 14 days after the initial request.

OnlyFans keeps this simpler, saying the minimum depends on your method but "for most payout methods, it is $20".

Pick your payout method before you pick your platform. A creator paid by international wire faces a $100 floor on Fansly, five times the Paxum floor on the same site.

A dormancy clause with no counterpart in the OnlyFans terms

Fansly clause 17 charges dormant accounts. Go 12 consecutive months without logging in and Fansly deducts $5 a month from your existing balance until that balance reaches zero.

Your card is never charged, logging in at any point ends the deductions, and no refunds are given for months already taken.

Searching the OnlyFans terms for inactivity or dormancy language returns nothing. That means the clause has no counterpart in that document, which is not the same as proving OnlyFans never touches dormant balances.

Fansly also gates entry harder. Creator registration must "be approved by the Company in our sole and absolute discretion", alongside a verified bank account and a W-9 for US residents.

What the terms now say about AI creators

Fansly's position used to be undocumented, and the change is recent enough that most comparisons still describe it wrongly.

The Fansly help article dated 8 July 2026 is blunt: "Photorealistic AI-generated content is not allowed on Fansly. Additionally, labeling content as AI-generated does not make photorealistic or lifelike AI content permissible."

Disclosure does not buy you an exemption there. The terms updated on 21 July 2026 carry the same prohibition, extending it to AI systems that interact with fans "without human oversight" and to anything that misrepresents AI material as authentic human performance.

A non-photorealistic virtual persona is still allowed on Fansly, on one condition. You register with your real legal identity and a real government-issued ID, complete verification, and only then operate the account under the persona.

OnlyFans permits more AI, inside a narrower frame. AI-generated, altered or enhanced content is allowed only if "it clearly features the verified Creator" and a viewer can tell it is AI, with the hashtag #ai named as the easiest way to signal it.

That rules out a fully synthetic persona by definition, since no verified creator is being featured. OnlyFans also offers no internal chatbot, has no public API, and bars creators from integrating AI chatbots into the platform.

So neither set of rules permits a photorealistic synthetic creator, and both insist on a verified real human behind the account. If an AI-first platform is what you want, the Fanvue versus Fansly comparison covers that decision.

The consent line is written down on both sides. Fansly states that creators "must never impersonate another individual or entity - real or fictional - without clear, explicit consent", and prohibits AI-generated content sexualising minors outright.

Generating or publishing a sexualised likeness of a real person without their explicit consent breaks both platforms' rules and is illegal in a growing number of jurisdictions. No disclosure label changes that.

You are not agreeing to documents of the same age

The OnlyFans terms of service are stamped "Last updated: August 2024". The Fansly terms are stamped 21 July 2026, effective the same day. Two years separate the two contracts you would be signing.

Age alone does not make a document worse. The Fansly AI clause is the argument for re-reading both before you scale, since it rewrote what a whole category of creator may publish.

Which one fits how you actually earn

Choose Fansly if your revenue concentrates in a few high-spend fans, if you want crypto or Paxum payouts, and if your content is not photorealistic AI. Our full Fansly guide goes deeper on the feature set.

Choose OnlyFans if you sell to a wide audience at low price points, where a $50 cap never binds, and if your AI use stays limited to enhancing content that visibly features you.

Running both carries one cost people miss. Each balance clears its own payout floor independently, so a creator earning modestly on both can sit below the minimum on each and get paid from neither.

Frequently asked questions

Does BlushVue find Fansly or OnlyFans taking a bigger cut?

Neither. Both take exactly 20 percent and both state it in their terms. OnlyFans clause 10 sets its fee at 20 percent of the total fan payment, and Fansly clause 15 says creators earn 80 percent of subscriptions, sales and tips. The Fansly clause adds that it may claw back revenue from chargebacks or from content that violates the terms.

What subscription price limits did BlushVue verify on Fansly versus OnlyFans?

OnlyFans allows $4.99 to $50 per month, or a free profile monetised through pay-per-view, with multi-month bundles capped at $250. Fansly allows $5 to $499.99 per month. Both figures were read from the platforms' own help centres on 24 August 2026, so a fan can pay a Fansly creator roughly ten times more per month.

How long does BlushVue say a Fansly payout takes compared with OnlyFans?

Fansly holds each sale for seven days, reviews payout requests within 48 hours, then delivers in 1 to 3 business days, with international wires and crypto batched every three days behind a 72 hour cooldown. OnlyFans says requests are processed immediately and paid within 3 to 5 business days, up to 10 in some cases.

Can BlushVue confirm whether AI creators are allowed on Fansly or OnlyFans?

Both restrict it, in different ways. Fansly banned photorealistic AI content in a help article dated 8 July 2026 and states that labelling it as AI does not make it permissible, though non-photorealistic virtual personas may apply using a real legal identity and government ID. OnlyFans permits AI content only where it clearly features the verified creator and is disclosed.

Which platform does BlushVue recommend for high-spend fans?

Fansly, on the published limits alone. Its $499.99 subscription ceiling, $499.99 media sale maximum and $500 tip maximum all sit far above the OnlyFans equivalents of $50, $100 and $200. If your audience is wide and price-sensitive instead, those ceilings never bind and OnlyFans loses nothing by comparison.