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Guide

What every creator platform actually takes

All four take 20%. One undercuts it for a year. The fee comparison everyone writes is over in a sentence — so here is the part that actually affects what reaches your bank account.

Published 16 August 2026 Last verified 16 August 2026

Disclosure: some links on this page are referral links. If you sign up through one we may be paid a commission by the platform, at no extra cost to you. We rank platforms on their terms, not their payouts — here is how.

The whole fee comparison, in one sentence

OnlyFans, Fansly and LoyalFans each take 20%. Fanvue takes 15% for a newly signed-up creator’s first 12 months, then 20%.

That is it. If you came here to compare commission rates, you can stop reading — the answer is that there is nothing to compare after year one.

Platform Best for You keep Minimum payout Referral window Discovery
LoyalFans Best for referral income 80% Reported $50 Reported Lifetime Reported Limited but real Visit
Fanvue Best terms in year one 80% Official 85% for the first 12 months for newly signed-up creators Varies by withdrawal method — not published Official 12 months Official Effectively none Visit
Fansly Best for getting discovered 80% Reported $20 Reported 12 months Disputed Strongest of the four Visit
OnlyFans Best for reaching fans 80% Reported $20 Reported 12 months Reported Weak Visit

Why they all charge the same

The 80/20 split is a convention that OnlyFans established and everyone else copied. It is not anchored to what payment processing, hosting and moderation actually cost, which is why a challenger can undercut it at 15% without losing money.

The tell is that the discount is always temporary. Fanvue’s promotional rate applies to a creator’s first 12 months, and its earnings policy explicitly reserves the right to “introduce, update, extend, reduce, or withdraw” promotional rates — a right it has already exercised, moving the 2022 cohort from 85% to the standard 80%. The discount is a customer acquisition cost, not a market position.

Plan on 20%

Build your pricing and your income expectations around keeping 80% everywhere. Treat any promotional rate as a windfall in year one. Creators who plan around 85% and then get moved to 80% take a 6% income cut they did not budget for.

What varies more than the commission: getting paid

The interesting differences are downstream of the split.

Minimum payout. OnlyFans and Fansly are $20. LoyalFans is $50. Fanvue does not publish thresholds up front — they vary by withdrawal method, which is a genuine planning annoyance.

Pending period. OnlyFans holds new earnings for seven days. Fansly holds for a pending period and then pays weekly or on request. Fanvue’s standard is 7 days but extends to as much as 28 depending on verification status and risk assessment. LoyalFans pays twice monthly on a fixed schedule.

Frequency. OnlyFans allows daily requests once cleared, which is the most flexible arrangement of the four. LoyalFans’ twice-monthly schedule is the least flexible but the most predictable.

If you rely on this income to pay bills on a schedule, these differences matter considerably more than five percentage points of commission that you will only see in year one.

What comes out of your 80%

The commission is not the total cost on any platform. Three things reduce what actually arrives:

Payout method fees. Bank transfer, Paxum and crypto withdrawals all carry their own charges, varying by country and provider. No platform here absorbs them.

Currency conversion. Earning in dollars and banking in another currency means someone takes a spread. This is routinely larger than the payout fee and almost always ignored. Comparing methods once, properly, is worth more than most fee optimisation.

Chargebacks. A reversed transaction takes back your share along with the platform’s.

Payout methods by platform

Crypto availability is worth more than it looks if your banking relationship has been difficult about adult-adjacent income. A second independent route to being paid is a genuine risk reduction, and it is the one respect in which OnlyFans is behind the field.

The fee that actually costs you most

None of the above.

The largest recoverable cost for most creators is not commission — it is being on one platform. A deactivation, a policy change or a payment processor withdrawal takes 100% rather than 20%, and none of these are rare. A verified, content-bearing account somewhere else is the highest-return thing you can do with an afternoon, and it costs nothing to hold.

The second platform guide covers which one to add and why.

Common questions

Which creator platform has the lowest fees?

Fanvue, but only temporarily — it charges 15% for a newly signed-up creator's first 12 months and 20% after that. OnlyFans, Fansly and LoyalFans all charge a flat 20%. Over any period longer than a year, all four platforms cost the same.

Why do all these platforms charge 20%?

Because OnlyFans established it and the market followed. It is a convention rather than a cost floor, which is exactly why competitors undercut it as a promotion and then revert — the discount is a customer acquisition cost, not a sustainable position.

What is the fastest platform to get paid on?

OnlyFans, generally. It clears a seven-day pending period and then allows daily payout requests with a $20 minimum. Fanvue's pending period can extend to 28 days depending on verification and risk, and it does not publish minimum thresholds up front. LoyalFans pays twice monthly with a published $50 minimum, which is slower but more predictable.

Do any platforms charge extra fees on tips or pay-per-view?

Not on the four covered here — each applies its standard commission uniformly across subscriptions, tips and pay-per-view. What does vary is your payout method's own fee and any currency conversion, both of which come out of your share rather than the platform's.