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Stream 04 · paid chat

Every rate, take-rate and pull date printed in the paid-chat article.

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  • Chat tooling and schedulers: what they take
    “Starting at as little as $40 a month you'll have access to all our features.”
    Infloww — pricing

    Tooling is the one line on this page that behaves in the creator's favour as they grow. Every other row is a percentage, so it costs more in absolute terms the more you earn; a subscription is a fixed cost, so it costs less as a share of income the bigger you get. Both vendors blunt that by pricing in revenue bands — Infloww publishes brackets running from $0-$500 a month up to $45,000-$60,000, and OnlyMonster runs its own from $0-$2,500 upward with cheaper rates for three- and six-month terms — so the fee climbs with you, just not one-for-one. The floor at both is $40 a month, which is the number worth holding onto: below roughly $200 a month of paid chat at a 20% cut, the tool costs more than the platform does.

    No take-rate — a monthly fee insteadPrimary — the platform's own documentChecked 2026-08-07Read from two vendors' own public pricing pages. Neither takes a percentage of what the creator earns; both charge a subscription, and both price it in bands set by the creator's monthly revenue. So there is no take-rate to state, and this cell says that rather than printing a zero that would read like a bargain.
  • Paid chat, per message — what the buyer is charged
    “Chat$0.99-$0.30=$0.69”
    NiteFlirt — money matters, commission and fees
    • “You will keep $0.35/volley for chat, 70% of phone & video call earnings (after the $0.20/minute connection fee), and 90% of gifts.”
      Phrendly — getting paid

    The two platforms that publish a per-message figure publish it from opposite ends. NiteFlirt states what the buyer pays and what the seller keeps out of it. Phrendly states only what the seller keeps — a flat $0.35 a volley, fixed, with no way to price your own messages up. Per-message is the one model where the platform, not the creator, can set your rate.

    $0.99 a volleyPrimary — the platform's own documentChecked 2026-08-07NiteFlirt publishes a worked example of a chat volley on its own commission page: $0.99 charged, $0.30 commission, $0.69 to the seller. It is one platform's example rather than a market average, and it is printed as that.
  • Paid chat, per message — what an hour of it pays
    “Chat$0.99-$0.30=$0.69”
    NiteFlirt — money matters, commission and fees

    This empty cell is the argument of the whole table. Per-message pricing converts your hourly into a function of how fast you type, which is why the model rewards speed and punishes the long, good reply — and why we cannot put a number on it and neither can anyone else who is being straight with you.

    Depends on your typing speedPrimary — the platform's own documentChecked 2026-08-07Not publishable. An hourly figure needs a rate and a volume; the rate is published, the volume is not, by anyone. Nothing on either platform's documentation states how many volleys an hour of chat contains, and it would be different for every creator and every conversation anyway.
  • Paid chat, per minute — what the buyer is charged
    “from $1.00 to $5.99/minute, or up to $50 for flat-rate chat”
    Premium.Chat
    • “Premium.Chat allows you to set fees for your Chat Seller Services either on a per-minute rate or a flat rate basis, which will be displayed to Chat Buyers as part of your service listing.”
      Premium.Chat — Chat Seller Agreement

    A published band, set by the platform, inside which the creator picks. That is rarer than it sounds: most operators in this lane let you set any price and publish none of it, which is why there is no benchmark anywhere for what paid chat costs.

    $1.00–$5.99 a minutePrimary — the platform's own documentChecked 2026-08-07Premium.Chat publishes the price band a seller may set on its own homepage, and its public Chat Seller Agreement confirms the seller chooses within it.
  • Paid chat, per minute — what an hour of it pays the seller
    “The payout percentage increases based on the total Chat Buyer fees you generate in a calendar month: $1 to $19,999 per month: 60% payout to Chat Seller $20,000 to $34,999 per month: 65% payout $35,000 to $49,999 per month: 70% payout $50,000 to $74,999 per month: 75% payout $75,000 or more per month: 80% payout”
    Premium.Chat — Chat Seller Agreement
    • “from $1.00 to $5.99/minute, or up to $50 for flat-rate chat”
      Premium.Chat

    Two things the range does not contain. The payout share only reaches 80% above $75,000 of buyer fees in a single calendar month, so the top of the scale is not a rate most sellers will ever meet — at 80% the same band would pay $48–$287 an hour. And the share is taken of NET platform fees, after chargebacks and refunds, with a chargeback costing up to $35 on top. This is the highest published hourly on the site and it is still a ceiling, not an expectation: it assumes sixty paid minutes inside an hour, which is a sold-out hour, not a typical one.

    $36–$216 an hourPrimary — the platform's own documentChecked 2026-08-07Our own arithmetic on two published Premium.Chat figures, shown in full. Sixty minutes at the bottom of the published band is $60.00 charged; at the top it is $359.40. The seller's share starts at 60% of net platform fees, so an hour pays $36.00 at the floor of both and $215.64 at the ceiling of the band on the lowest payout tier — printed as $36–$216.
  • Paid chat, sold blocks — what the buyer is charged
    “For example, 10 minutes per $10 drink is $1.00/min (before fees) but 5 minutes per $10 drink is $2.00/min (before fees).”
    Phrendly — how drinks work

    Two published block prices, from opposite ends of the lane. Phrendly fixes the unit at $10 and lets you choose what it buys. Premium.Chat publishes a ceiling of $50 for a flat-rate chat and lets you set both the price and what it covers. That $50 is why this model has the best ceiling of the three, and the reason is structural rather than generous: the per-minute model is capped by the platform at $5.99 a minute, so a $50 block sold as five minutes of your time is $10.00 a minute — above a cap that per-minute sellers cannot cross. The block model is the only one of the three where the creator sets the exchange rate between money and time, and it is the only one that escapes the platform's own price ceiling.

    $10–$50 a blockPrimary — the platform's own documentChecked 2026-08-07Phrendly sells pre-paid time as a fixed $10 unit it calls a drink, and lets the seller decide how many minutes one buys. Its own help centre works the example both ways.
  • Paid chat, sold blocks — what an hour of it pays the seller
    “You will keep $0.35/volley for chat, 70% of phone & video call earnings (after the $0.20/minute connection fee), and 90% of gifts.”
    Phrendly — getting paid
    • “For example, 10 minutes per $10 drink is $1.00/min (before fees) but 5 minutes per $10 drink is $2.00/min (before fees).”
      Phrendly — how drinks work

    This range is Phrendly's own two worked examples and nothing else, so it is a floor for the model rather than its ceiling. Premium.Chat publishes a $50 flat-rate block but publishes no example of what a block buys, so no hourly can be computed from it and none is printed — on its 60% floor a $50 block pays the seller $30, and how many of those fit in an hour is a decision, not a figure. One correction worth carrying: third-party guides routinely compute a $10 drink as $7 to the seller by taking 70% of face value. That is wrong on Phrendly's own numbers, because the $0.20-a-minute connection fee comes off before the percentage — so the seller's share of a $10 drink is always under $7, and it gets worse the longer the block runs. Halving the minutes per drink roughly doubles the hourly, which is the whole decision this model puts in your hands.

    $34–$76 an hourPrimary — the platform's own documentChecked 2026-08-07Our own arithmetic on Phrendly's own two worked examples, shown in full. At 10 minutes per $10 drink the gross is $1.00 a minute; the $0.20 connection fee comes off first, leaving $0.80, and the seller keeps 70% of that — $0.56 a minute, or $33.60 an hour. At 5 minutes per drink the gross is $2.00; less $0.20 is $1.80; 70% is $1.26 a minute, or $75.60 an hour. Printed as $34–$76.
  • Dedicated paid-chat apps: take-rate
    “$1 to $19,999 per month: 60% payout to Chat Seller $20,000 to $34,999 per month: 65% payout $35,000 to $49,999 per month: 70% payout $50,000 to $74,999 per month: 75% payout $75,000 or more per month: 80% payout”
    Premium.Chat — Chat Seller Agreement

    This lane splits in two and the split is the story. Four operators publish real terms on an open page: Premium.Chat, NiteFlirt, Phrendly and SkyPrivate. Two do not — SextPanther serves a terms page whose body is empty to anything but a browser and quotes no rate anywhere in its application funnel, and Arousr's only public terms are buyer-side. We name the four and we name the two, and we cite no figure for either of the two. Three widely repeated numbers in this lane are wrong against the primary source: NiteFlirt is not 66/34, Phrendly is not $7 a drink, and SkyPrivate's advertised 90% is a 70% default plus a referral bonus you have to recruit for.

    20–50%Primary — the platform's own documentChecked 2026-08-07Read from each operator's own public agreement. Premium.Chat pays the seller 60% and rises to 80% by monthly volume, so it takes 40% falling to 20%. NiteFlirt takes 30% on live calls and chat volleys and 50% on recorded calls. The range printed is the union of the two.
  • Cam private-show take-rate (Chaturbate, Stripchat)
    “All purchases are credited at $0.08 per token. (A wire transfer of $1,000 will be credited 12,500 tokens)”
    Chaturbate — how do I buy tokens

    Private shows are per-minute and the per-minute price is set by the broadcaster, so the platform's cut is the only part of this that can be sourced. Chaturbate publishes no broadcaster split anywhere; the one percentage on its help centre is a 20% affiliate commission for referring users, which is a different product and is the number most often miscited as a model's share.

    from 37.5%Primary — the platform's own documentChecked 2026-08-07Computed from Chaturbate's own two published numbers, because neither platform publishes a split. A wire-transfer buyer is credited at $0.08 a token; the broadcaster is paid $0.05 a token; the platform keeps $0.03 of every $0.08, which is 37.5%. Wire is the cheapest token price Chaturbate publishes, so this is the floor.
  • When the desk read the platform terms of service
    “The remaining 20% is retained by Fanvue as Platform Fees”
    Fanvue Creator Terms
    2026-07-29Primary — the platform's own documentChecked 2026-07-29Fanvue's creator terms were read directly on this date. OnlyFans and Fansly serve empty shells to crawlers, so their equivalent clauses came from independent publishers on the same date and were cross-checked.
  • When the desk read the platform payout documentation
    “The standard Pending Period is seven (7) days, but this may be extended up to twenty-eight (28) days”
    Fanvue Creator Earnings & Payouts
    2026-07-29Primary — the platform's own documentChecked 2026-07-29Fanvue's earnings and payouts policy was read directly on this date, giving the pending period and the processing window.
  • When the desk read a cam site's private-show rate card
    “Please navigate to the top of any page on our site and click on the Green plus ( + ) button to see all the available payment methods, packages and prices.”
    Stripchat — how much does a token cost

    Chaturbate could not be read on this point at all: every broadcaster-facing page serves a German age-verification interstitial to this build, including the Independent Broadcaster Agreement where a stated split would live. Recorded rather than worked around.

    No rate card exists to readPrimary — the platform's own documentChecked 2026-08-07The desk went looking on this date and found that neither major cam platform publishes private-show rates. Stripchat's help centre is asked the question directly and declines to answer it, pointing the reader at a button inside the logged-in product instead. There is no document, so there is no pull date, and this row says so rather than borrowing one.
  • When the desk verified a creator-reported rate range
    “1 tk = $0.05 It means that 20 tk = $1 and 100 tk = $5”
    Stripchat — how much do models make

    The closest thing to a creator-reported figure that IS publishable is the flat token payout above, because the platform states it. Everything else in this category is somebody's month, presented as everybody's average.

    Never — none met the barPrimary — the platform's own documentChecked 2026-08-07Creator-reported ranges circulate widely and none survives a check: they are aggregated screenshots with no document behind them. The article lists this as a source category because it is one we WOULD use if it could be verified, and this row records that it could not be.
  • Take-rate on paid chat inside platform DMs
    “Fansly takes a flat 20% commission on all creator earnings, including subscriptions, tips, PPV messages, and custom content sales”
    Fansly commission rates (Sozee) · page dated 2026-05-19
    20%Corroborated — independent publishers agreeChecked 2026-07-29Paid chat on OnlyFans and Fansly runs through the same DM and PPV rails as every other sale, and the sourced clause names PPV messages explicitly.