Creator Platform Fees in 2026: Every Cut Compared

TL;DR: In 2026, OnlyFans, Fansly, and LoyalFans all take a flat 20% of everything a creator earns, Fanvue takes 20% after a 15% introductory promotional rate, and Passes takes 10% plus $0.30 per transaction (with no sexually explicit content allowed). The headline percentage is only half the story: payout minimums run from $20 to $100 depending on platform and method, holds run from roughly 7 to 21 days, and wire fees plus currency conversion can quietly shave another 1 to 3% off international payouts. On $1,000 of fan spend, real take-home lands between roughly $750 and $888 depending on platform, transaction mix, and payout route.

The 2026 Fee Table: Every Platform's Cut at a Glance

We manage creator revenue across multiple platforms every day, and the question we get from agency owners more than almost any other is some version of "what does each platform actually take?" Here is the answer in one table, current as of July 2026. Everything below it is the detail that changes what these numbers mean in practice.

• OnlyFans: Headline cut: 20% flat, Creator keeps: 80%, Payout minimum: $20 (most methods), Standard hold: ~21 days, Payout methods: Bank transfer, international wire, e-wallets in some regions

• Fansly: Headline cut: 20% flat, Creator keeps: 80%, Payout minimum: $20 to $100 by method, Standard hold: ~7 days pending, then processing, Payout methods: Paxum, Cosmopayment, SEPA, wire, crypto

• Fanvue: Headline cut: 20% standard (15% intro), Creator keeps: 80% (85% intro), Payout minimum: ~$20, varies by region, Standard hold: 7 days (extendable to 28), Payout methods: Bank transfer, MassPay eWallet, crypto via TripleA

• Passes: Headline cut: 10% + $0.30 per transaction, Creator keeps: ~84 to 89% effective, Payout minimum: None advertised, Standard hold: Minimal (instant options), Payout methods: Bank, PayPal, instant rails with extra fees

• LoyalFans: Headline cut: 20% flat, Creator keeps: 80%, Payout minimum: $50, Standard hold: Twice-monthly cycle, Payout methods: ACH, wire, SEPA, Paxum

Three things jump out. First, 20% is the de facto industry standard, and no major adult-friendly platform undercuts it on a permanent basis. Second, the one platform that does undercut it (Passes) does not allow explicit content, which makes it a complement rather than a substitute for most OnlyFans agencies. Third, the spread in payout mechanics (minimums, holds, wire costs) is wider than the spread in headline fees, and for cash-flow planning it often matters more.

OnlyFans: 20% and What It Actually Covers

OnlyFans takes 20% of every revenue stream: subscriptions, tips, pay-per-view messages, and custom content. There are no tiers, no volume discounts, and no negotiated rates for large accounts. A creator doing $500 a month and a creator doing $500,000 a month both keep exactly 80%.

The scale behind that 20% is worth understanding, because it explains why the fee has not moved in years. OnlyFans' FY2024 filing shows gross fan spend of $7.22 billion, with $5.8 billion paid out to creators and $1.41 billion kept as net revenue. That produced $684 million in pre-tax profit with just 46 employees. Since 2016, the platform has paid creators more than $25 billion. The 20% cut funds payment processing for an industry most acquirers refuse to touch, chargeback risk, age and identity verification, hosting, and compliance, and it still leaves one of the highest profit-per-employee figures in tech. Ownership changed shape this year (founder-owner Leonid Radvinsky died in March 2026, and a 16% stake was sold to Architect Capital in May 2026 for $535 million, in a deal reported at a roughly $3.15 billion valuation), but nothing in the deal reporting suggests the fee structure is changing. A buyer paying that multiple is buying the 20%, not planning to cut it.

The mechanics that shape real take-home on OnlyFans:

• Price rails. Subscriptions are bounded by a $4.99 floor and a $49.99 ceiling, which caps how much you can move take-home by repricing alone.

• The hold. Earnings sit in a pending balance for roughly 21 days before they become withdrawable. This is the longest standard hold of the platforms in this guide.

• Withdrawal minimum. The standard minimum has long been $20 for most methods, with some regions higher. Several creator payment trackers reported OnlyFans lowering minimums and speeding up processing in spring 2026 as part of a regional payout expansion; treat your own dashboard as the final word.

• Payout costs. Standard direct bank transfer carries no OnlyFans fee, but international wires typically cost around $30 per transfer per the major payout guides, and your receiving bank may add $10 to $25 on top for incoming international wires.

• Referrals. The referral program pays 5% of a referred creator's earnings for her first 12 months on the platform (capped at the first $1 million she earns), taken from the platform's share, not the creator's, so a referred creator still keeps the full 80%.

We published a full teardown of the OnlyFans fee stack, including what the 20% funds line by line, in how much OnlyFans takes from creators. If you only run OnlyFans, that post is the deep dive; this one is for the cross-platform picture.

Fansly: Fees, Payouts, and the Discovery Trade-Off

Fansly matches OnlyFans exactly on the headline number: a flat 20% on subscriptions, tips, pay-per-view, and customs, with creators keeping 80%. There are no separate rates for different income types and no published volume tiers.

Where Fansly differs is what the 20% buys. OnlyFans famously has no discovery: the platform sends you essentially zero traffic, and every fan is one your marketing brought in. Fansly runs native discovery through its explore and suggestion surfaces, which means part of its 20% functions as a distribution fee rather than a pure processing fee. For small and mid-size creators without an established funnel, that difference can matter more than any fee delta. We compared the two platforms' actual earning outcomes in OnlyFans vs Fansly: which pays more, so we will stay on fee mechanics here.

The payout side is where Fansly gets more complicated than its simple 20% suggests:

• Minimums vary by method. Per the payout guides that track Fansly's processor lineup, the minimum is $20 for Paxum and Cosmopayment, $50 for SEPA transfers in the EU and UK, and $100 for international wire and cryptocurrency payouts. If your creator's only viable method is wire, her effective minimum is five times the OnlyFans standard.

• Payouts are requested, not automatic by default. Earnings clear a pending window of roughly 7 days for chargeback protection, then payout requests take an additional 1 to 4 business days to process depending on method. Budget 7 to 10 days from transaction to cash for most methods; crypto tends to arrive fastest.

• Dormancy clause. Fansly's terms include a $5 per month deduction from the balance of accounts with no login for 12 consecutive months. Irrelevant for active rosters, expensive for abandoned accounts with stranded balances. If you offboard a creator, empty the wallet first.

For agencies, the practical read: Fansly's cut is identical to OnlyFans, its hold is meaningfully shorter (roughly 7 days versus roughly 21), and its minimums are worse for wire-dependent international creators. Same fee, different cash-flow shape.

Fanvue: The Intro Rate and What It Becomes

Fanvue is the platform most often marketed on fees, so it deserves the most careful reading. The facts as published: Fanvue's own Creator Earnings and Payouts policy sets the standard Creator Earning Rate at 80% of gross revenue, with 20% retained as platform fees. New creators get an introductory promotional rate of 15%, keeping 85%.

The detail agencies miss is the duration and the fine print. Fanvue's published materials have described the introductory window differently over time (descriptions ranging from the first month to the first several months, and some 2026 third-party trackers cite up to twelve), and the legal policy explicitly states that promotional rates "may be introduced, updated, extended, reduced, or withdrawn" at Fanvue's discretion. In other words, the 15% is a marketing instrument, not a contractual guarantee. Our advice is simple: screenshot the rate and the stated duration on the day each creator signs up, and diarize the expiry. Model your economics on 20%, and treat any month at 85% as a bonus.

Fanvue's payout mechanics, per its policy documents and help center:

• Pending period. The standard hold is 7 days, but the policy allows extension up to 28 days based on account verification status and activity. New accounts should expect the longer end.

• Processing. Fanvue commits to initiating valid payout requests within 10 business days; in practice its help documentation cites 3 to 7 business days for most methods.

• Minimums. Around $20, varying by region and method (some regions see $50).

• Methods and fees. Bank transfer, the MassPay eWallet, and cryptocurrency via TripleA. Per Fanvue's help center, TripleA is currently the only payout provider that carries a Fanvue fee: 1% of the withdrawal, shown before you confirm.

Fanvue has also positioned itself aggressively as the home for AI-generated creators, which is a strategic question rather than a fee question, but it explains why the platform spends so heavily on its intro rate: it is buying migration. We covered where Fanvue fits in an agency's platform portfolio in Passes vs OnlyFans vs Fanvue for agencies.

Passes and LoyalFans: The Challenger Fee Models

Passes: the cheapest cut, with a catch that disqualifies most rosters

Passes advertises the lowest fee of any platform in this guide: 10% plus $0.30 per transaction, with creators keeping roughly 90% of gross before the per-transaction charge. Payouts are fast, with instant and one-day rails available (the faster options carry extra fees) and no meaningful hold on standard balances. In April 2026 the company rebranded itself as a "creator accelerator," per its announcement on PR Newswire, signaling a push upmarket toward mainstream creators.

Two caveats change the math for our readers. First, the per-transaction fee is regressive: $0.30 is 6% of a $5 tip but 0.6% of a $50 pay-per-view. Rosters that monetize through high-volume microtransactions give back a meaningful chunk of the headline advantage, as the take-home table below shows. Second, and decisively: Passes does not allow sexually explicit content or nudity. For an OnlyFans agency, Passes is not an OnlyFans alternative; it is a monetization channel for the safe-for-work side of a creator's brand (behind-the-scenes, chat access, non-explicit exclusives). Priced that way, the 10% is genuinely attractive. Priced as a migration target for an explicit roster, it is a non-starter.

LoyalFans: standard cut, adult-friendly, slower cash

LoyalFans charges the industry-standard 20% on subscriptions, tips, pay-per-view, and private messaging, with no signup cost. Unlike Passes, it is fully adult-friendly, and like Fansly it runs on-platform discovery.

The fee story is unremarkable; the payout story is where it differs:

• $50 minimum payout, higher than the OnlyFans and Fanvue standards.

• Twice-monthly payout cycle, with payments issued within about seven working days of each period's close, per LoyalFans' creator documentation. There is no on-demand daily withdrawal: earnings batch into two paydays a month.

• Methods: ACH, international wire, SEPA, and Paxum.

For a creator doing serious volume, twice-monthly batching is a cash-flow rhythm, not a problem. For a small account earning $200 a month across two platforms, a $50 minimum and batched payouts can mean money arriving six weeks after it was earned.

Beyond the Headline Cut: Payout Minimums, Holds, and FX

If you only compare percentages, every adult-friendly platform looks the same. The real differences live in three mechanical layers underneath.

Holds: when the money becomes yours

The hold exists because of chargebacks. Card networks police adult merchants harder than almost any other category: under Visa's VAMP program, the 2026 thresholds flag acquirers at a 0.5% dispute-plus-fraud ratio and hit the excessive tier at 0.7%, replacing the older and looser VDMP regime that allowed 0.9% and 1.8%. Platforms hold your money long enough to absorb disputes before paying out, and the tighter the network rules get, the more that hold is worth to them.

• OnlyFans holds roughly 21 days, the longest of the group. We explained exactly how the pending balance works, day by day, in the OnlyFans 21-day payout hold explained.

• Fansly and Fanvue both run roughly 7-day standard pending periods, though Fanvue can stretch to 28 days for new or flagged accounts.

• LoyalFans batches into twice-monthly cycles with up to seven working days of processing.

• Passes pays fastest, with instant rails for a fee.

Minimums: the small-account tax

Minimums are irrelevant at $50,000 a month and decisive at $150 a month. The range across platforms is wide: $20 on OnlyFans and Fanvue, $50 on LoyalFans, and anywhere from $20 to $100 on Fansly depending entirely on which payout method the creator can actually use. When you launch a creator on a second platform, her first weeks of earnings there will sit below the minimum. Multiply that by a ten-creator roster and a three-platform strategy and you have real money parked in wallets.

FX and payout fees: the invisible 1 to 3%

Every platform in this guide denominates earnings in US dollars. For creators outside the US, that means a conversion event somewhere: either the platform's payout partner converts at its rate, or the receiving bank does. Typical leakage we see:

• International wire fees: around $30 per transfer on the sending side for OnlyFans wires, plus $10 to $25 receiving-bank fees. On a $500 payout, that is up to 11% gone, which is why payout frequency settings matter.

• E-wallet hops: Paxum and similar wallets charge their own withdrawal fees when moving money onward to a bank.

• Crypto payouts: fastest settlement, but Fanvue's TripleA route costs 1%, and converting crypto to local currency adds exchange spread.

• FX spread: banks routinely take 1 to 3% on currency conversion without itemizing it.

One more line item for US-based creators: the 1099-NEC reporting threshold drops to $2,000 for tax year 2026, so more part-time creators will receive tax paperwork than before. It is not a fee, but it lands in the same "money I thought I had" conversation. We covered the full banking chain, from platform wallet to spendable cash, in how OnlyFans creators actually get paid, and most of that logic transfers to the other platforms.

Take-Home Math: Where $1,000 of Fan Spend Lands on Each Platform

Here is where the abstractions become a number. Assume $1,000 of gross fan spend in a month, earned as 40 transactions averaging $25 (a realistic mix of subscriptions and mid-size pay-per-view). Standard payout method, no wire fees, domestic creator.

• Passes: Fee applied: 10% + (40 x $0.30), Creator take-home: $888, Effective rate kept: 88.8%

• Fanvue (intro rate): Fee applied: 15%, Creator take-home: $850, Effective rate kept: 85.0%

• Fanvue (intro, paid out via TripleA crypto): Fee applied: 15% + 1% payout fee, Creator take-home: $841.50, Effective rate kept: 84.2%

• OnlyFans: Fee applied: 20%, Creator take-home: $800, Effective rate kept: 80.0%

• Fansly: Fee applied: 20%, Creator take-home: $800, Effective rate kept: 80.0%

• LoyalFans: Fee applied: 20%, Creator take-home: $800, Effective rate kept: 80.0%

• Fanvue (standard rate): Fee applied: 20%, Creator take-home: $800, Effective rate kept: 80.0%

Now change one assumption: the same $1,000 arrives as 200 microtransactions averaging $5 (tip-heavy live streams, small unlocks). The 20% platforms do not move; Passes does. Its fee becomes $100 plus $60 in per-transaction charges, and take-home falls to $840, an effective 84%. Push the average transaction lower and Passes converges toward the pack. The lesson: Passes' advantage is real but it is largest for creators selling fewer, bigger items, and it only applies to content that clears a no-nudity policy in the first place.

Then subtract the payout layer. An international creator on OnlyFans taking monthly wires gives up roughly $40 to $55 of that $800 to wire and receiving fees, landing near $750 (75% effective). The same creator on Fansly via SEPA loses almost nothing to fees but waits on a $50 minimum. The spread between "80%" and what hits a bank account is routinely 2 to 6 points, which is as large as the entire gap between Fanvue's intro rate and the standard rate.

Timing completes the picture. Of that $800 on OnlyFans, none is withdrawable for roughly three weeks. On Fansly and Fanvue, most of it frees up within 7 to 10 days. If your agency fronts chatter payroll and ad spend, the platform mix determines how much working capital you need, independent of what anyone's percentage is.

What Fees Mean for Multi-Platform Agency Strategy

After all the math, here is the uncomfortable truth: fees are the least important variable in platform choice, and we say that as people who just wrote three thousand words about them.

The spread between the best and worst adult-friendly headline rate in 2026 is five percentage points (Fanvue's temporary 15% versus the standard 20%). On $1,000 of fan spend, that is $50. One additional pay-per-view unlock closed by a competent chatter covers it. Meanwhile the variables that actually move revenue (where your traffic converts, where whales spend, where discovery exists, where your niche's fans already hold accounts) swing outcomes by multiples, not points. We laid out how to weigh those factors in our platform diversification guide, and the short version is: pick platforms on revenue ceiling, then use fees as the tiebreaker.

That said, fee mechanics should drive four operational decisions:

1. Model everything at 20%. Intro rates expire, promotional rates are discretionary by the platforms' own terms, and a P&L built on 85% breaks when the promo ends. If the intro rate holds longer, you banked upside.

2. Plan working capital off the slowest hold. If OnlyFans is your revenue core, your cash conversion cycle is roughly 21 days plus payout processing. Payroll, ad spend, and creator advances need to survive that gap.

3. Fix the payout route before scaling a platform. The difference between a creator wired $30-a-pop monthly and one on a free SEPA or e-wallet route is 1 to 3 points of effective margin, which is most of a fee negotiation you were never going to win anyway.

4. Use Passes for what it is. A 10% safe-for-work channel bolted onto an explicit-content core roster is found money on brand-side monetization. Treating it as an OnlyFans replacement misreads its content policy.

The platforms have converged on 20% because the market bears it and the payment rails beneath adult content are expensive to maintain. Nothing on the 2026 horizon (new minority ownership at OnlyFans included) suggests that changes. Your edge is not in finding a cheaper cut. It is in squeezing the layers everyone else ignores: holds, minimums, routes, and the revenue mix on top of them.

FAQ

How much does Fansly take from creators in 2026?

Fansly takes a flat 20% of all creator earnings, including subscriptions, tips, pay-per-view, and custom content, so creators keep 80%. Payout minimums vary by method: roughly $20 for Paxum and Cosmopayment, $50 for SEPA, and $100 for international wire and crypto, with about a 7-day pending window before earnings can be requested.

What are Fanvue's fees in 2026?

Fanvue's standard rate is 20%, per its published Creator Earnings and Payouts policy, with an introductory promotional rate of 15% for new creators. The promo's published duration has varied and Fanvue's terms let it change promotional rates at its discretion, so model on 20%. The only payout method carrying a Fanvue fee is crypto via TripleA, at 1% of the withdrawal.

What is the Passes platform fee?

Passes charges 10% plus $0.30 per transaction, so creators keep roughly 84 to 89% of gross depending on average transaction size. Payouts are fast, with instant options available for extra fees. The catch for OnlyFans agencies: Passes prohibits sexually explicit content and nudity, so it works as a safe-for-work companion channel, not a platform migration.

How much does LoyalFans take?

LoyalFans takes the industry-standard 20%, leaving creators 80% across subscriptions, tips, pay-per-view, and private messaging. The payout minimum is $50, and payouts run on a twice-monthly cycle, issued within about seven working days of each period's end via ACH, wire, SEPA, or Paxum.

Which creator platform has the lowest fees in 2026?

On headline rate, Passes at 10% plus $0.30 per transaction, but it bans explicit content, which excludes most OnlyFans agency rosters. Among adult-friendly platforms, Fanvue's 15% introductory rate is the lowest temporary rate, and everything else sits at 20%. Effective take-home depends as much on payout method, minimums, and FX as on the headline percentage.

Why do most platforms charge exactly 20%?

Because adult content is expensive to process and the market has accepted the price. The 20% funds high-risk payment processing, chargeback exposure under tightened card-network rules like Visa's 2026 VAMP thresholds, identity verification, and compliance. OnlyFans' FY2024 filing (with $1.41 billion in net revenue and $684 million pre-tax profit on 46 employees) shows the model is also very profitable, which is why competitors anchor to it rather than undercut it.

Do payout fees really change the effective platform cut?

Yes, by more than most agencies track. International wire fees of $30 plus $10 to $25 in receiving-bank charges, 1 to 3% FX spread, e-wallet withdrawal fees, and Fanvue's 1% crypto fee can turn a nominal 80% into an effective 74 to 78%. Choosing the right payout route per creator is worth 1 to 3 points of margin, roughly the same as winning a fee discount no platform actually offers.