Fansly vs OnlyFans: what each keeps of your $100

Fansly and OnlyFans both take 20%. On $100 you keep $80.00 on either one, and the difference between them is $0.00.

That is the whole answer to the question most people arrive with, and it is worth saying plainly before anything else, because a lot of pages will spend two thousand words implying otherwise.

What separates them starts after the cut. How much you have to pile up before you can withdraw, how long the money sits first, what you are allowed to charge, and how anyone finds you.

Fansly vs OnlyFans, the cut is a tie

Both platforms keep 20% of what a fan spends and pay you the other 80%. The rate applies the same way to subscriptions, tips, pay-per-view messages and custom content on both, so there is no revenue type where one quietly costs more than the other.

A take-rate is the share the platform keeps before your money reaches you. Twenty percent is the standing rate across the subscription lane, and neither of these two has moved off it. The feet and worn-item marketplaces charge less, between 10% and 15% where they publish a rate at all, which we found when we read all eight of them side by side.

Neither platform would tell us this itself. Both sites serve their fee and payout pages as empty shells to anything that is not a logged-in browser, so we read six third-party sources instead and kept only figures that at least two of them agreed on. Where they disagreed, this page says so and prints both numbers.

What you keep on $100

You keep $80.00 of every $100 on OnlyFans and $80.00 of every $100 on Fansly. Neither takes a separate processing fee on top of the 20%.

Both of those are our own arithmetic from one sourced rate. If you want the same figure with the OnlyFans fine print attached, we wrote out how much OnlyFans takes separately.

What neither strip shows is your payout processor. Fansly charges nothing to send money to a Paxum account, and then Paxum charges you its own withdrawal fee to get it out. The same is true of an international wire on OnlyFans, where the receiving bank commonly takes $10 to $25. Those are real costs and neither platform counts them as its own.

Where Fansly and OnlyFans actually differ

OnlyFans pays out once your balance reaches $20, on bank transfer, Paxum or Skrill alike. Fansly's floor moves with the method you pick. Paxum and Cosmopayment start at $20, SEPA at $50, and crypto or an international wire at $100.

A payout floor is the balance you have to reach before the platform will send you anything at all. Earn $15 in your first month against a $20 floor and that $15 is yours, sitting in an account, and staying there until the next $5 arrives. Paxum and Cosmopayment are e-wallets this industry leans on because mainstream processors often decline adult work: you open one, the platform pays into it, and you move the money to your own bank from there.

That spread is the finding, and it is not a rounding problem. Four publishers give four different answers because Fansly does not print the number anywhere a reader can reach, and the one guide that admits this tells creators to check the figure in their own payout settings rather than trust a fixed one.

For a creator this decides something concrete. At $100 you need five times the balance before Fansly will move your money by wire that OnlyFans needs to move it at all. On a $10 subscription that is the difference between cashing out after two subscribers and cashing out after ten.

The wait is the same on both. Money earned today sits for seven days before either platform will let you touch it.

Seven days is the hold on its own. Processing starts only after it ends, which is why the reported journey from earning to bank runs to about ten days rather than seven.

One difference in that sequence is easy to miss. Fansly payouts are requested, not scheduled, so the balance sits there until you ask for it. Three publishers describe three different Fansly cadences, monthly, weekly on Fridays, and rolling three-day batches, which is what usually happens when a platform has no published schedule and everyone is describing their own account.

What's the difference between OnlyFans and Fansly?

Everything we could source, in one table. The two rows that matter most to a new account are the bottom two, because they decide what you can charge and whether anyone finds you without doing all the marketing yourself.

OnlyFans runs one subscription price per account. Fansly lets you run several at once, reported by one publisher across a $4.99 to $499 range, which is the only structural difference on this page that can raise what a fan spends rather than change what you keep of it. A second tier at triple the price does more for your revenue than any fee argument between two platforms charging the same 20%.

Discovery works differently too. OnlyFans has no real search or feed, so traffic arrives from wherever you already send it. Fansly carries hashtags, a search, and an algorithmic feed, which is worth something on a smaller audience and worth nothing if your fans already follow you elsewhere.

What content is not allowed on Fansly?

Fansly's rules are commonly summarised as eight banned categories: photorealistic deepfakes and AI impersonation, furry content, drug use during sexual activity, violence or anything implying force, any content involving or implying minors, bestiality, copyright violations, and financial screenshots including banking details and payment confirmations.

Two of those deserve a second look before you plan around them.

Furry content is the surprise. It is reported as removed in 2025 under stricter enforcement against borderline bestiality themes. This is a single-source claim and it runs against Fansly's reputation as the permissive one, which is exactly why we are naming the source rather than stating it flatly: it comes from Sozee's Fansly content guidelines, dated 2026-05-19. If your catalogue is furry work, do not take our word or theirs. Check it inside the platform before you migrate anything.

Financial screenshots being banned catches people out. Posting your own payout confirmation as proof of earnings is a violation on Fansly. Plenty of creators do exactly that on other platforms as marketing.

The permissiveness comparison holds in the other direction. The same publisher describes Fansly as carrying more permissive kink and fetish content than OnlyFans, whose own banned list runs to non-consensual content, bestiality, incest even simulated, extreme violence, and weapons in a threatening context. Both platforms are strict. They are strict about partly different things.

Now the AI rules, which are the sharpest real difference between the two. AI-generated photos and video are allowed there when the content uses the verified account holder's own likeness, carries a clear #ai or #AIGenerated tag in the post caption, and involves no deepfake or third-party likeness. The tag has to be in the caption itself rather than in a bio or a pinned post. Deepfakes and fabricated likenesses of real people are prohibited outright.

Fansly draws the line in a different place. Photorealistic AI that mimics a real person is banned outright, and what stays allowed is non-photorealistic work that is clearly disclosed and based on your own verified likeness. Automated AI replies without a human reviewing them are prohibited too, which is the rule most chat-automation setups actually collide with.

The practical difference is narrow but it decides things. If your AI content is photorealistic and looks like you, OnlyFans permits it with a #ai caption tag and Fansly does not permit it at all.

What each platform pays to send you there

This section exists because it explains the incentive behind every other page you will read on this question, including this one.

Both platforms pay people for bringing creators in, and they pay very differently. Fansly's creator referral pays 5% of a referred creator's earnings for the first year, plus 1% of what referred fans spend inside 90 days, and then keeps paying 1.5% of that creator's income for as long as they earn. OnlyFans pays 5% of a referred creator's earnings for their first 12 months and then stops. Its original lifetime version was terminated on 1 May 2020.

Read the fourth row again, because it is the one that shapes the internet's answer to this question. OnlyFans runs a creator-to-creator referral you can only use from inside a creator account. There is no publisher program. Fansly's pays anyone who sends a creator over, us included, and keeps paying at 1.5% indefinitely.

So every blog comparing these two can be paid by exactly one of them. That is worth holding in mind on the pages that conclude Fansly wins, and it is why our own recommendation above went the other way.

If Fansly is the right pick for you, on the tiers argument rather than the fee, this is our referral link: open a Fansly creator account (Referral link — Subonomics may earn a commission if you sign up, at no cost to you. We cover every platform on the same terms and take no money from any of them.). Take the Paxum or Cosmopayment payout route when you set it up, because that is the only one where its withdrawal floor matches the OnlyFans $20. For OnlyFans there is nothing for us to link, so go to onlyfans.com directly.

Does either platform pay some creators less?

No, and we looked. Across every source read for this page, neither platform varies its take-rate, its payout floor or its hold period by who you are. Gay, trans, lesbian, male and couple creators are charged the same 20% and face the same $20 floor as anyone else. We found no sourced difference to report, which is worth printing rather than leaving out.

Where creator segment does change the maths is discovery, not price. A platform with a working search and an algorithmic feed puts more weight on tags and less on the audience you arrived with, and that is the same mechanic for every creator on it. If your audience is already built somewhere else, that advantage is worth close to nothing to you either way.

So which one takes less of your money?

Neither. They take the same 20% and leave you the same $80.00 on $100.

If you are opening your first account, open it on OnlyFans. A $20 floor on every payout method, transfers that run without you requesting them, and no method that quietly raises the bar to $100 are worth more to a new account than anything Fansly does with fees, because early balances are small and a floor you cannot clear is a floor you cannot cash. That is the pick for the reader this page is written for.

Switch that answer to Fansly if you will actually use the tiers. Several prices per account against a single price is the one lever here that changes what a fan spends rather than what a platform keeps, and on a $4.99 to $499 spread it outweighs a payout floor within a few months of actually working. Take the Paxum or Cosmopayment route when you do, because that is where its floor matches the OnlyFans one.

Do not pick either on the fee. The fee is the same number.

The short version

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