Every creator-platform comparison quotes the same headline split. That’s the least useful number on the page. To find out what a creator actually takes home, and when, we went straight to the source: each platform’s own terms of service, payout policy and help center, all checked on October 6, 2026. We didn’t use agency blogs or third-party “fee calculators.” If a platform didn’t publish a figure, the table says so.
Key findings
- Five of the eight platforms we checked (OnlyFans, Fansly, Fanvue, LoyalFans and Fanfix) keep exactly 20% of fan payments. On $1,000 of fan spending, a creator keeps $800 on each one.
- Only one platform, Fanvue, published all eight payout terms we looked for. LoyalFans and Fanfix published three. Passes published two clearly, and its own pages give two different fee rates.
- Fansly’s subscription price cap is $499.99 a month. That’s 10 times OnlyFans’ $50 cap.
- Patreon’s 10% fee isn’t really 10%. At $10 memberships, card processing pushes a creator’s total cost to about 15.9%, so they keep $840.75 of every $1,000.
- Speed varies even more than fees. OnlyFans, Fansly and Fanvue usually pay out about 10 to 14 days after a sale. Passes’ terms allow roughly 44 days.
Why does this comparison matter now?
Most creators are on a second platform now, or thinking about one, so the fine print matters more than it used to. In our own directory, 412 of the 470 creator profiles (88%) are tagged as OnlyFans creators. That makes OnlyFans’ terms the benchmark every other platform gets measured against. But plenty of those creators also sell elsewhere. Cosplayer Jessica Nigri links to both OnlyFans and Fansly. Sophie Dee keeps a LoyalFans page next to her OnlyFans. Alina Angel sells on ManyVids as well.
If you want to know which second platform fits your content, we ranked them in our guide to OnlyFans alternatives for creators. This piece answers a narrower question that guide didn’t fully cover: what each platform’s own paperwork says about getting paid.
How much does each platform take, and how do payouts work?
This is the core dataset. Figures are for a standard creator account with no promotional rate. Where a platform lists several payout methods, we note the lowest minimum and the exceptions.
| Platform | Platform cut | Payout minimum | Pending / hold period | Payout schedule | Payout methods | Platform payout fee |
|---|---|---|---|---|---|---|
| OnlyFans | 20% of every fan payment | $20 for most methods | 7 days (21 days in “a small number of countries” for a creator’s first four months) | On demand, or automatic daily/weekly/monthly; arrives in 3–5 business days (up to 10) | Varies by country (US: ACH bank transfer) | None listed by OnlyFans; bank or e-wallet charges may apply |
| Fansly | 20% (creators earn 80% of subs, sales and tips) | $20 most countries; $50 SEPA; $100 SWIFT wire and crypto | 7 days per transaction | On request; reviewed within 48 hours; delivered in 1–3 business days | Local bank/ACH, SEPA, SWIFT, Paxum, Cosmopayment, crypto | Not published |
| Fanvue | 20% standard (temporary promotional rates possible) | $20 (can vary by region); 5 uploads required | 7 days, extendable to 28 | On request; sent in 3–5 business days (policy target: initiated within 10 business days) | Bank transfer, MassPay, Cosmo eWallet, crypto; no PayPal | 1% on TripleA only; none listed for other methods |
| Patreon (pages published after Aug. 4, 2025) | 10% + payment processing (US cards: 2.9% + $0.30) | $10 PayPal; $25 Payoneer Wallet | Up to 7 days on web/Android purchases; up to 75 days on iOS in-app; 5-day hold when a payout method is added or changed | Manual (once every 24 hours) or automatic on the 5th; 1–5 days to arrive | US bank (Stripe), Payoneer, PayPal | $0.25 US direct deposit; PayPal 1% (min $0.25, cap $20); Payoneer Wallet $1 |
| LoyalFans | 20% | Not published (shown in account settings) | Not published | Twice monthly: 1st–15th paid within 7 working days after the 15th; 16th–month-end within 7 working days after month-end | Not published (shown in account settings) | Not published; provider fees may be deducted |
| ManyVids | 20% on Club, custom vids, tips and store items; 40% on vids, bundles, contest votes and Pay to Open messages | $50 | Paid one week in arrears | Weekly, on Wednesdays; 2–7 business days to arrive | Direct deposit, Paxum, Cosmopayment | $2 US direct deposit; $5.50 international; $1 Paxum |
| Fanfix | 20% | Not published | Not published | Weekly: processed Wednesdays, typically deposited Fridays | Stripe (US and UK creators) | Not published |
| Passes | Conflicting: “as low as 10% + $0.30/txn” (comparison page) vs. “20% fee of all credit/debit Sales” (terms) | Not published | Not published | Bi-weekly, within 30 days of the end of each period | Bank transfer | $0.30 per transaction (comparison page) |
Source: each platform’s official terms, payout policy or help center, checked October 6, 2026. Full source list below.
The first column gets all the attention, but the other six decide whether a creator can make rent. A 20% cut paid in 10 days and a 20% cut paid in six weeks are two very different businesses.
What does a creator actually keep from $1,000 a month?
Here’s the math for a US creator whose fans spend $1,000 in a month (before sales tax). It assumes a bank payout, no promotional rate, no refunds and no chargebacks.
| Platform | Calculation | Creator keeps |
|---|---|---|
| OnlyFans | $1,000 × 80% | $800.00 |
| Fansly | $1,000 × 80% (payout fee not published) | $800.00 before any unpublished fees |
| Fanvue | $1,000 × 80%; no Fanvue fee on bank transfer | $800.00 |
| LoyalFans | $1,000 × 80% (provider payout fees not published) | $800.00 before any provider fees |
| Fanfix | $1,000 × 80% | $800.00 |
| ManyVids (all Club subscriptions) | $1,000 × 80% − 4 weekly direct deposits × $2 | $792.00 |
| ManyVids (all clip sales) | $1,000 × 60% − 4 × $2 | $592.00 |
| Patreon (100 members × $10) | $1,000 − $100 platform fee − 100 × ($0.29 + $0.30) processing − $0.25 payout | $840.75 |
| Patreon (200 members × $5) | $1,000 − $100 − 200 × ($0.145 + $0.30) − $0.25 | $810.75 |
| Passes (100 sales × $10) | Comparison page: $1,000 − 10% − 100 × $0.30. Terms: $1,000 × 80% | $800.00–$870.00 |
Three things jump out.
- Patreon’s advantage shrinks as prices drop. The fixed $0.30 processing charge hits every payment, so cheap tiers pay proportionally more. At $10 memberships, Patreon costs about 15.9% in total. At $5, it’s about 18.9%, which is almost the same as the 20% platforms. Patreon’s pricing page says this up front: the 10% comes “plus payment processing, currency conversion, and payout fees, and applicable taxes.” Creators who published before August 4, 2025, and never unpublished may still be on legacy 5%, 8% or 11% plans.
- On ManyVids, what you sell matters as much as how much. A creator selling only subscriptions keeps 80%. A creator selling only clips keeps 60%. Most ManyVids creators land somewhere in between, so their real rate depends on the mix.
- Fanfix’s cost shows up on the fan’s side. Its payment terms (last updated August 16, 2024) state, “We impose a surcharge of 13% on all credit cards.” The creator still gets 80% of the price, but a fan paying by credit card pays more than the sticker price. That can make a $10 membership harder to sell than it looks.
How long does it take for money to reach a creator’s bank?
This is where the platforms really differ. Using each platform’s published timelines, here’s roughly how long it takes from a fan’s payment to money landing in the bank, under standard conditions.
| Platform | Published timeline | Approximate standard wait |
|---|---|---|
| OnlyFans | 7-day pending, then 3–5 business days (up to 10) | About 10–14 days (longer for new creators in high-reversal countries) |
| Fansly | 7-day pending, up to 48 hours approval, 1–3 business days delivery | About 10–14 days |
| Fanvue | 7-day pending (up to 28), then 3–5 business days | About 10–14 days, up to about 5 weeks if the pending period is extended |
| Patreon | Up to 7 days pending on web purchases, then 1–5 days | About 1–2 weeks for web purchases; iOS in-app funds pending up to 75 days |
| ManyVids | Weekly payouts, one week in arrears, then 2–7 business days | About 2–3 weeks |
| LoyalFans | Paid within 7 working days after each half-month closes | Up to about 24 days for a sale on the 1st or the 16th |
| Fanfix | Weekly processing and deposit; pending length not published | Not calculable from published terms |
| Passes | Paid within 30 days after each bi-weekly period ends | Up to about 44 days |
“Approximate standard wait” is our calculation from each platform’s published terms, not a figure the platforms publish.
For a creator living month to month, that last column matters more than any fee. A creator on Passes could, under the terms as written, still be waiting on early-October earnings in mid-November. Over the same stretch, an OnlyFans or Fansly creator could have cashed out four or five times.
How much can creators charge, and what do referrals pay?
| Platform | Subscription price range | Other published price limits | Creator referral program | Chargeback rule |
|---|---|---|---|---|
| OnlyFans | $4.99–$50/month (or free); multi-month bundles up to $250 | Tips $3–$100 ($200 from fans on the platform 4+ months); paid messages $3–$100 | 5% of referred creator’s earnings for 12 months, capped at $50,000 per referral | Creator’s share of a successful refund or chargeback is deducted |
| Fansly | $5–$499.99/month | Media sales $1–$499.99 | 5% of referred creator’s sales in year one, 1.5% after; 1% of referred fans’ purchases for 90 days | May deduct revenue tied to chargebacks |
| Fanvue | $3.99–$100/month; bundles up to 50% off | Not published | 5% of referred creator’s earnings for 12 months | Deducted; $50 admin fee per dispute above a 1.5% rolling 30-day rate (discretionary) |
| Patreon | Not published (default tier is prefilled at $5) | Not published | Currently paused | Pricing page says Patreon handles “chargebacks, disputes, and fraud” |
| LoyalFans | Not published | Not published | 5% of referred creator’s fan payments, plus 5% of referred fans’ payments of $1+ to other creators | Valid refunds and chargebacks deducted; not for unauthorized payment fraud or platform errors; 30 days to dispute |
| ManyVids | Club plans $1.99–$29.99/month | Vids $1.99–$999.99; custom orders up to $9,999 | Not found in official pages checked | Not found in official pages checked |
| Fanfix | Not published | Platform sets minimum prices for paid DMs and locked content | Referrals reviewed case by case; rate not published | Fanfix says it handles fraud and chargebacks and may hold payments |
| Passes | Not published | All payments at least $3 | Not found in official pages checked | Not found in official pages checked |
The price ceiling matters more than most creators realize.
Fansly lets a single subscription tier cost $499.99 a month. OnlyFans caps it at $50, and Fanvue at $100. For a creator with a small, devoted fan base, a $250 VIP tier is a business model on Fansly and impossible on OnlyFans. On OnlyFans, a creator has to rebuild that value through pay-per-view and messages.
Chargebacks are the hidden fee.
OnlyFans, Fansly, Fanvue and LoyalFans can all claw back a creator’s share of a successful chargeback. Fanvue’s policy goes a step further: above a 1.5% dispute rate in any rolling 30 days, it “may impose a $50 USD” fee per additional dispute. Patreon is the outlier. It markets itself as absorbing that risk, “unlike other platforms that push risk onto you.”
Which platforms are the most transparent about payouts?
We scored each platform on eight payout facts a creator needs before signing up: platform cut, payout minimum, pending period, payout schedule, payout methods, payout fees, subscription price range and referral terms. A point means the figure appears on the platform’s own public pages.
| Platform | Facts published (of 8) | Missing |
|---|---|---|
| Fanvue | 8 | — |
| OnlyFans | 7 | Payout fees (none listed) |
| Fansly | 7 | Payout fees |
| Patreon | 7 | Subscription price range |
| ManyVids | 7 | Referral terms |
| LoyalFans | 3 | Minimum, pending period, methods, fees, price range |
| Fanfix | 3 | Minimum, pending period, fees, price range, referral rate |
| Passes | 2 (plus 2 partial) | Clear fee rate, minimum, pending period, price range, referral terms |
Our take: transparency predicts trust. LoyalFans says its payout minimums and fees are “displayed in your account settings.” That means a creator only learns them after signing up and verifying. Passes is the strangest case. Its comparison page advertises fees “as low as 10% + $0.30/txn,” while its creator terms say “We take a 20% fee of all credit/debit Sales.” Those terms are dated February 19, 2025, so the 10% may be newer. But a creator shouldn’t have to guess, and anyone considering Passes should get the rate in writing before moving fans over.
Fanvue earns the top score because it puts the unglamorous details in one policy document. That covers the 7-to-28-day pending window, the 10-business-day payout target, the dispute fee and even what happens to dormant balances. You might not like every rule, but you can read all of them before you start.
What should creators do with this data?
If you’re choosing a second platform for income, the fee won’t decide it. Every adult-friendly subscription platform here takes 20% of subscriptions. Choose on payout speed, price ceiling and discovery instead, which is why the OnlyFans creator earnings gap is mostly about audience, not commission.
If you run SFW or low-priced tiers, run the Patreon math with your real tier prices. Below roughly $5, the fixed processing charge erases most of its fee advantage.
If cash flow is tight, avoid platforms that pay on long cycles, or keep them as secondary income while a 7-day platform covers your bills.
And screenshot the terms the day you sign up. Several of these pages changed in 2026: Fansly’s terms on July 21, LoyalFans’ on July 8 and Fanfix’s creator terms on August 1. Patreon is moving all legacy-billing creators to subscription billing by November 1, 2026. Rules shift, and your screenshot is your record.
Methodology: how we compiled this
- Sources: We used only each platform’s official terms of service, payout or earnings policy, help center or pricing page. Every figure was opened and checked on October 6, 2026. We didn’t use agency blogs, review sites or third-party fee calculators.
- “Not published” means we couldn’t find the figure on the platform’s public official pages. It may be shown inside a logged-in dashboard. We didn’t fill these gaps with third-party numbers.
- Platforms: We picked eight widely used subscription and fan-commerce platforms. Patreon, Fanfix and Passes have different content rules from the adult-friendly sites. We included them because creators often use them for SFW tiers.
- The $1,000 example assumes a US creator, $1,000 in fan payments before sales tax, a bank payout, standard rates, no promotions and no refunds or chargebacks. Patreon processing uses its published US card rate (2.9% + $0.30 on payments over $3).
- “Approximate standard wait” and the transparency score are our own calculations from the published terms.
- Directory figure: the 412-of-470 count comes from the public ViceSnob creator directory. It’s the number of published profiles tagged “OnlyFans Model” divided by total published profiles, retrieved on October 6, 2026.
- Limitations: Terms change without notice, and rates can differ by country, payout method and individual partnership agreements. This is a snapshot, not financial or tax advice.
Sources
- OnlyFans Terms of Service (last updated August 2024)
- OnlyFans Help, “Payout percentages“
- OnlyFans Help, “How do I get paid my earnings on OnlyFans?“
- OnlyFans Help, “How long does it take to get paid my earnings on OnlyFans?“
- OnlyFans Help, “How long does it take to get paid?”
- OnlyFans Help, “What can my subscription price be on OnlyFans?“:
- OnlyFans Help, tips and paid messages
- OnlyFans Referral Program Terms
- Fansly Terms of Service (last update July 21, 2026)
- Fansly Help, “Payout Processing Times.
Cite this data: If you reference this data, please credit ViceSnob and link to this page.
Last updated: October 6, 2026. We plan to re-check every figure each quarter.
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