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Tracker

Creator platform terms tracker

Take rate, payout schedule, chargeback rules and supported countries for OnlyFans, Fanvue, Fansly and LoyalFans — every figure sourced and dated, with a log of each change the platforms make.

Figures verified 16 August 2026 Last change logged 9 April 2026 9 platform pages watched twice a week

Some links here are referral links: if you sign up we may earn a commission from the platform, at no extra cost to you. It does not change the ranking — here is how we rank.

Platforms change their terms quietly — a pending period stretches, a chargeback fee appears, a "lifetime" commission becomes twelve months. This page is the current state of every term that affects what reaches a creator's bank account, and the change log below it records each time one moves. Follow it by RSS.

At a glance

Term LoyalFans Fanvue Fansly OnlyFans
Take rate 20% (you keep 80%) Reported 20% (you keep 80%) Official 20% (you keep 80%) Reported 20% (you keep 80%) Official
Promotional rate None 85% for the first 12 months for newly signed-up creators Reported None None
Minimum payout $50 US bank (ACH), $100 SEPA, $150 international wire Official Varies by withdrawal method — not published Official Varies by method — $20 to $50 Disputed $20 Reported
Payout schedule Twice monthly — sent within 7 working days of the 15th and of month-end Official 7-day pending period (up to 28), then initiated within 10 business days of request Official On request once earnings clear a 7-day pending period Official Daily requests available after a 7-day pending period on new earnings Reported
Payout methods Bank transfer, Paxum, Cryptocurrency Reported Bank transfer, Crypto wallets (where supported), Third-party wallets Official Bank transfer, Paxum, Cryptocurrency Reported Bank transfer, Paxum, Wire (region dependent) Reported
Chargebacks & refunds Chargebacks and refunds are deducted from creator earnings Reported Clawed back from your balance or future payouts; $50 per dispute above a 1.5% rate Official Charged-back earnings may be deducted, despite "chargeback protection" marketing Disputed Your share of a refunded or charged-back payment may be deducted Official
Supported countries No published country list; payout rails depend on where you live Disputed Worldwide, except where local law or sanctions bar you; no excluded-country list Official No published country list; tax forms and payout methods vary by country Official Open to most countries; no published excluded-country list Disputed
Referral commission 5% for life, no published cap Reported 5% for 12 months, $50,000 per creator Official 5% for 12 months, no published cap Disputed 5% for 12 months, $50,000 per creator Reported
Last change None logged9 April 2026None logged1 May 2020

Official from the platform's own terms or help centre · Reported consistent third-party reporting · Disputed sources disagree, conservative reading shown. Full notes and citations for each platform are below.

LoyalFans

Take rate 20% (you keep 80%) Reported Source: Sales Hacking — complete guide to LoyalFans · checked 2026-08-16
Minimum payout $50 US bank (ACH), $100 SEPA, $150 international wire Official The $50 figure widely quoted is the US ACH minimum. Balances under your method's minimum roll over to the next pay period. Source: LoyalFans in-app payout and earnings text · checked 2026-09-22
Payout schedule Twice monthly — sent within 7 working days of the 15th and of month-end Official Source: LoyalFans in-app payout and earnings text · checked 2026-09-22
Payout methods Bank transfer, Paxum, Cryptocurrency Reported Available methods vary by country — confirm yours is supported before you commit. Source: Only Gems Management — payout methods compared 2026 · checked 2026-08-16
Chargebacks & refunds Chargebacks and refunds are deducted from creator earnings Reported LoyalFans' creator statements list chargebacks, refunds and penalties as deductions, and third-party reporting says a refund can take a balance negative. We could not read the governing clause in its terms, which only render in a browser, and found no chargeback fee or rolling reserve. Source: BonerGhosts — LoyalFans refunds explained · checked 2026-09-22
Supported countries No published country list; payout rails depend on where you live Disputed ACH and prepaid-card payouts are US-only; SEPA covers the EU, and wire or Paxum the rest. EU creators must supply details for DAC7 tax reporting. We found no official list of excluded countries or fan-side blocks — confirm your country has a payout method before you build an audience there. Source: LoyalFans in-app payout and earnings text · checked 2026-09-22
Referral commission 5% for life, no published cap Reported LoyalFans has consistently pitched this as lifetime. OnlyFans also pitched "LIFETIME" in capital letters for four years before capping it retroactively — so treat any lifetime promise as a strong intention, not a guarantee, and screenshot the terms on the day you sign up. Source: Sales Hacking — complete guide to LoyalFans · checked 2026-08-16

No changes logged yet. Full LoyalFans review · Go to LoyalFans

Fanvue

Take rate 20% (you keep 80%) Official Fanvue's terms state 80% of gross revenue, with 20% retained as platform fees. Source: Fanvue Creator Earnings & Payouts · checked 2026-08-16
Promotional rate 85% for the first 12 months for newly signed-up creators Reported Fanvue describes promotional rates as something it may "introduce, update, extend, reduce or withdraw". The 2022 cohort's 85% rate has already ended and moved to the standard 80%, so treat this as temporary by design. Source: Fanvue Help Centre — Earning rate changes · checked 2026-08-16
Minimum payout Varies by withdrawal method — not published Official The policy only says payouts must meet "the minimum threshold applicable to your chosen withdrawal method". Source: Fanvue Creator Earnings & Payouts · checked 2026-08-16
Payout schedule 7-day pending period (up to 28), then initiated within 10 business days of request Official Source: Fanvue Creator Earnings & Payouts · checked 2026-08-16
Payout methods Bank transfer, Crypto wallets (where supported), Third-party wallets Official Source: Fanvue Creator Earnings & Payouts · checked 2026-08-16
Chargebacks & refunds Clawed back from your balance or future payouts; $50 per dispute above a 1.5% rate Official Fanvue may deduct a refunded or charged-back amount from your balance, or withhold it from future payouts if it has already been paid. An account over a 1.5% chargeback or dispute rate in any rolling 30 days may be charged a discretionary $50 administrative fee per additional dispute. Referral commission on a charged-back transaction is reversed too. Source: Fanvue Creator Earnings & Payouts · checked 2026-09-22
Supported countries Worldwide, except where local law or sanctions bar you; no excluded-country list Official Creators must be 18 and not precluded by local law. On the fan side, visitors from 33 "regulated jurisdictions" — the UK, France, Germany, Italy, Ireland, Australia and 27 US states — must verify their age before seeing adult content. They are restricted, not blocked. See Fanvue's Age Verification Policy for the current list. Source: Fanvue Terms & Conditions · checked 2026-09-22
Referral commission 5% for 12 months, $50,000 per creator Official For creators referred on or after 9 April 2026. Creators who registered before that date earn their referrer 36 months under the same policy, which is where the widely-republished 36-month figure comes from — it is no longer available for new referrals. Source: Fanvue Creator Referral & Affiliate Policy · checked 2026-09-22

2 changes logged. Full Fanvue review · Go to Fanvue

Fansly

Take rate 20% (you keep 80%) Reported Applies across subscriptions, tips and pay-per-view. Source: Enforcity — Fansly fees explained · checked 2026-08-16
Minimum payout Varies by method — $20 to $50 Disputed Widely reported as $20, but Fansly's own payout screen says the minimum depends on the method — instant SEPA transfers need $50, and smaller requests are sent after 14 days. Check the threshold for your method in your dashboard. Source: Only Gems Management — payout methods compared 2026 · checked 2026-09-22
Payout schedule On request once earnings clear a 7-day pending period Official Source: Fansly Terms of Service · checked 2026-09-22
Payout methods Bank transfer, Paxum, Cryptocurrency Reported Source: Only Gems Management — payout methods compared 2026 · checked 2026-08-16
Chargebacks & refunds Charged-back earnings may be deducted, despite "chargeback protection" marketing Disputed Fansly's creator FAQ promises "chargeback protection", but its terms of service (last updated 21 July 2026) let it deduct any money earned on subscriptions, sales or tips that resulted in a chargeback. The terms are what bind, so we show the conservative reading. Separately, a $5 monthly fee is taken from balances after 12 months without a login. Source: Fansly Terms of Service · checked 2026-09-22
Supported countries No published country list; tax forms and payout methods vary by country Official Users must be 18 and of the age of majority where they live. The terms name no excluded countries. Fans in US states with age-verification laws are reported to face an age check; we have not found that on Fansly's own pages. Source: Fansly Terms of Service · checked 2026-09-22
Referral commission 5% for 12 months, no published cap Disputed Sources split between 12 months and lifetime, and Fansly does not publish the terms on a public page. We show the more conservative figure. Check your creator dashboard and treat whatever it says there as authoritative. Source: Only Gems Management — Fansly platform breakdown 2026 · checked 2026-08-16

No changes logged yet. Full Fansly review · Go to Fansly

OnlyFans

Take rate 20% (you keep 80%) Official The terms state the fee is 20% of the total fan payment — the 80/20 split OnlyFans popularised and every competitor here copied. Source: OnlyFans Terms of Service · checked 2026-09-22
Minimum payout $20 Reported Source: Only Gems Management — payout methods compared 2026 · checked 2026-08-16
Payout schedule Daily requests available after a 7-day pending period on new earnings Reported Source: Only Gems Management — payout methods compared 2026 · checked 2026-08-16
Payout methods Bank transfer, Paxum, Wire (region dependent) Reported Source: Only Gems Management — payout methods compared 2026 · checked 2026-08-16
Chargebacks & refunds Your share of a refunded or charged-back payment may be deducted Official The terms allow OnlyFans to deduct the creator-earnings portion of any payment a fan successfully refunds or charges back, and to withhold earnings during a breach investigation. No per-chargeback fee to creators appears in the terms. Whether a chargeback also reverses referral commission is in the referral terms, which we could not retrieve. Source: OnlyFans Terms of Service · checked 2026-09-22
Supported countries Open to most countries; no published excluded-country list Disputed Creators must be legally permitted to join and may be asked for extra information depending on where they live. Lists of "banned countries" circulating online come from VPN blogs and contradict each other; we do not repeat them. Payout methods vary by country. Source: OnlyFans Terms of Service · checked 2026-09-22
Referral commission 5% for 12 months, $50,000 per creator Reported Reduced from "LIFETIME" by an email sent on 1 May 2020, applied retroactively to referrals already made. Source: SirenCY — OnlyFans referral program 2026 · checked 2026-08-16

1 change logged. Full OnlyFans review · Go to OnlyFans

Change log

Every change to a tracked term, newest first, dated to when it took effect. Where a platform announced a change without an effective date, the announcement date is used.

  1. Fanvue Referral program

    Creator referral window cut from 36 months to 12

    5% for 36 months, capped at $50,000 per referred creator 5% for 12 months, capped at $50,000 per referred creator

    Applies to creators who register from 9 April 2026 onward; referrals made before that date keep 36 months. Any page still quoting 36 months for a new referral is out of date.

    Source: Fanvue Creator Referral & Affiliate Policy

  2. Fanvue Referral program

    Agency referral campaign closed

    Agencies earn 5% for 1 year, plus a 2.5% second tier (campaign from 2 February 2026) No standing agency referral program

    The campaign was time-limited rather than a permanent program. Confirm it has reopened before promoting agency referrals.

    Source: Fanvue — Agency referral campaign

  3. OnlyFans Referral program

    "Lifetime" referral commission cut to 12 months and capped

    5% of referred creator earnings for life, uncapped 5% for 12 months, on the first $1,000,000 a referred creator earns ($50,000 cap)

    Announced by email and, according to a class action filed in August 2026, applied retroactively to referrals already made. It is why this site treats no referral term as permanent.

    Source: PPC Land — class action over 5% "lifetime" referral commissions

How this tracker is kept current

Twice a week an automated job re-reads every platform page listed below, reduces it to plain text and compares it with the copy it saw last time. Any wording change opens a ticket with the exact diff, and a person reads it against the figures on this page. Most changes are cosmetic; the ones that are not get the figure updated, the checked date moved, and an entry in the change log above — usually within days of the platform making the edit.

Some terms only exist inside a logged-in creator account or on pages that refuse automated readers, so a machine cannot catch everything. Those are re-checked by hand in each full audit, and reader corrections are always welcome. Our general sourcing rules are on the methodology page.

The 9 pages we watch