OnlyFans takes a flat 20% and says so publicly. FanCentro is commonly reported at about 25%, and it does not publish a clear rate card at all. That is the whole fee story, and we are going to show you what it costs in dollars rather than telling you it depends.
Last updated July 2026
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On fees, OnlyFans pays creators more. OnlyFans keeps a flat 20% and leaves you 80%, while FanCentro is commonly reported as keeping about 25% (described as roughly 10% payment processing plus 15% platform), leaving you about 75%. FanCentro's real case is not the split: it is a strong built-in referral program, a discovery element OnlyFans does not have, and tooling designed to turn social followers into subscribers. The honest strategic answer is that the platform matters far less than the traffic you bring to it, because an empty page earns $0 on either one.
One thing you should know before you sign up anywhere: FanCentro does not publish a single clear public rate card, and reported cuts range from 20% to 30% depending on plan, tips and referrals. Confirm your exact split inside your own dashboard before you plan a budget around it. For the full breakdown of how the platform works, read what FanCentro is, then come back and compare.
| FanCentro | OnlyFans | |
|---|---|---|
| Cut taken by the platform | Commonly reported at about 25%, described as roughly 10% payment processing plus 15% platform. Some sources report 20% to 30% depending on plan, tips and referrals | A flat 20%, published and unambiguous |
| You keep | About 75%, but confirm your own number in your dashboard | 80%, every time, on every earning type |
| Published rate card | No single clear public rate card. You have to check your account | Yes. The 20% figure is stated plainly and applies to everyone |
| Payout cadence | Commonly reported as weekly, on Tuesdays, once you clear the minimum | Commonly reported as available on request once you clear the minimum |
| Payout minimum | A minimum applies. Check the current figure in your account | Commonly reported at $20 |
| Referral program | Strong. A genuine built-in affiliate scheme that pays you for referring other creators | No creator referral program worth planning around |
| Discovery | A marketplace and discovery element, so some fans can browse and find you | Essentially none. You bring every single subscriber yourself |
| Brand recognition | Known inside the industry, much less so to the paying public | Enormous. Fans already know the name and already know how to subscribe |
| Best for | Creators converting social followers, selling premium Snapchat or Telegram access, and earning from referrals | Creators who want the lowest cut and the least friction on every sale |
Same gross earnings, two different splits. We publish the math instead of the vibes.
| You earn (gross, per month) | OnlyFans, you keep 80% | FanCentro, you keep about 75% | Difference in your pocket |
|---|---|---|---|
| $1,000 | $800 | $750 | $50 |
| $5,000 | $4,000 | $3,750 | $250 |
| $10,000 | $8,000 | $7,500 | $500 |
Read the bottom row again. A creator grossing $10,000 a month hands over $500 more on FanCentro than on OnlyFans, every month, which is $6,000 a year. At $5,000 a month it is $3,000 a year. That is not a rounding error, and it is not a reason to panic either. It is a price. The only sensible question is whether FanCentro gives you something worth $3,000 a year, and for some creators the referral program alone clears that bar comfortably. For most, it does not.
Worth keeping in view: 20% is the industry norm, not a bargain. Fansly takes 20% and LoyalFans takes 20%. FanCentro is the outlier here, sitting above the going rate. If you want a fuller view of the market, see our roundup of OnlyFans alternatives.
FanCentro does beat OnlyFans at real things. It just does not beat it on price.
Here is the part most comparison pages skip. OnlyFans publishes its cut. It is 20%, it applies to subscriptions, tips, pay-per-view and messages, and you can quote it back to anyone. FanCentro does not publish a single clear public rate card. What exists is a widely repeated figure of about 25%, usually broken down as roughly 10% payment processing plus 15% platform, alongside other reports putting the effective cut anywhere from 20% to 30% depending on your plan, on tips, and on referral arrangements.
We are not going to pretend to a precision the platform itself does not offer. If you sign up for FanCentro, log into your dashboard and find your actual split and your actual payout minimum before you build a budget on them. Screenshot it. A creator who assumes 75% and discovers 70% on a $8,000 month is out $400 she had already spent. That is an avoidable mistake, and the only way to avoid it is to check rather than trust a blog (including this one).
FanCentro payouts are commonly reported as weekly, landing on Tuesdays, once you have cleared the account minimum. OnlyFans payouts are commonly reported with a $20 minimum, which is low enough that most active creators clear it in their first week. Neither schedule should decide this for you. If your cash flow is tight, a predictable weekly rhythm has a certain appeal, but a five point difference in your split will outweigh payout timing over any period longer than a month.
FanCentro has a marketplace and discovery layer. OnlyFans has essentially none: it will not surface you to anyone, ever. On paper that is a point for FanCentro, and it is a real one. In practice, the discovery either platform gives you is small compared to the traffic you generate yourself, and most fans still find new creators through search, through social, and through a creator directory rather than by browsing a subscription platform's internal listings.
Then there is brand recognition, which nobody prices properly. OnlyFans is a household name. When you send a fan there, he already knows what the site is, he may already have an account, and his card details may already be saved. That familiarity removes friction at exactly the moment a sale is won or lost. FanCentro is well known inside the industry and much less known outside it, so every signup carries an extra beat of hesitation: what is this, is it safe, do I have to make an account. Those beats cost you conversions, and conversions cost you more than five percentage points ever will.
Yes. Neither platform requires exclusivity, and running both is what a lot of working creators actually do. The setup is a main platform plus a mirror. Your main platform is where every link in every bio points, where you post first, and where you run your messages. The mirror carries the same content, posted a day or two later, and exists for three reasons: it catches fans who prefer that platform, it gives you a landing spot if your main account is ever restricted, and it lets you compare conversion with your own numbers instead of someone else's opinion.
The cost of the mirror is time, not money. Two platforms mean two inboxes, two sets of PPV drops and two schedules to keep. If you cannot maintain both properly, run one properly instead. A neglected second page does not diversify your income, it just splits your attention. For most creators the pragmatic version is OnlyFans as the main storefront (lower cut, fans already know it) and FanCentro as the mirror, especially if you plan to use its referral program. If you want a different second platform in that slot, our OnlyFans vs Fansly comparison and LoyalFans vs OnlyFans comparison cover the other two contenders.
Not on fees, and fees are the thing most people mean when they ask. OnlyFans takes a flat 20% and FanCentro is commonly reported at about 25%, so you keep more of every dollar on OnlyFans. FanCentro is better for you specifically if you will use the referral program or its social-conversion tooling. If you will not, you are paying roughly five extra points for features you do not touch.
No, not per dollar earned. OnlyFans leaves you 80% of every sale. FanCentro is commonly reported as leaving you about 75%. On $5,000 gross that gap is $250 a month, or $3,000 a year. FanCentro can still out-earn OnlyFans for a given creator, but only through referral income or better conversion, never through a better split.
Yes. It is an established platform that verifies creators, processes payments through standard processors, and pays out on a schedule commonly reported as weekly. The fair criticism is transparency rather than legitimacy: there is no single clear public rate card, so verify your exact split and payout minimum inside your own dashboard rather than trusting any published figure.
Yes, and many creators do. Neither platform demands exclusivity. The standard approach is one main platform that gets every link and every first post, plus a mirrored page on the second carrying the same content. It costs time rather than money, and it gives you somewhere to land if one account is ever restricted.
OnlyFans, clearly. Its 20% cut matches the industry norm set by Fansly and LoyalFans. FanCentro sits above that norm at a commonly reported 25%, with some sources putting the effective cut as high as 30% depending on plan and earning type. On price alone there is no argument to have: OnlyFans is the cheaper platform to sell on.
Now the thing nobody selling you a platform wants to say. Five percentage points is a real cost, but it is a rounding error next to the difference between a page with traffic and a page without. Eighty percent of zero is zero. Seventy-five percent of zero is also zero. Two creators on the same platform, with the same content and the same prices, will earn wildly different amounts based purely on how many of the right people see the link, and that number has nothing to do with which logo is at the top of the page.
This is why the platform debate is a trap. It feels like a decision because it is a decision you can make in an afternoon, and choosing feels like progress. Promotion, by contrast, is grinding and repetitive and never finishes. So creators spend three weeks comparing splits and three days promoting, and then blame the platform. The 5% you saved by picking correctly is dwarfed by the 500% you left on the table by not being seen.
The work that moves the number is unglamorous: posting where your buyers already gather, testing what actually gets clicked, pricing your offers deliberately, and answering messages fast enough that a warm fan does not cool off. Start with how to promote an OnlyFans page, get realistic about the ceiling with how much OnlyFans models actually make, and if you have not launched yet, our guide to starting an OnlyFans will get you set up faster than another week of comparison shopping.
So: pick OnlyFans if you want the lowest cut and the least friction, which is most creators. Pick FanCentro if the referral program or the social-conversion tooling is genuinely central to your plan, and accept that you are paying about five points for it. Run both if you have the hours. Then stop thinking about it and go get the traffic, because that is the only variable in this comparison that you control and the only one that changes your income by an order of magnitude.
FanCentro or OnlyFans, neither one goes out and finds your fans, and neither one answers them at 2am. We do both: we promote where your buyers already gather, price your offers, and put trained chatters on your messages around the clock. You keep your login, your payouts and the large majority of what you earn.
Apply to FansPromo freeNot on fees. OnlyFans takes a flat 20% and FanCentro is commonly reported at about 25%, so you keep more on OnlyFans. FanCentro is better if you will actually use its referral program or its social-conversion tooling. If you will not use those, you are paying about five extra points for nothing.
No, not per dollar earned. OnlyFans leaves you 80% of every sale. FanCentro is commonly reported as leaving you about 75%, with the cut described as roughly 10% processing plus 15% platform. On $5,000 gross, that gap is $250 a month. FanCentro can still out-earn OnlyFans for you, but only through referral income or better conversion, never through a better split.
Yes. FanCentro is an established platform that verifies creators, processes payments through standard processors and pays out on a schedule commonly reported as weekly. The fair criticism is transparency, not legitimacy: it does not publish a single clear public rate card, so check your exact split and your payout minimum inside your own dashboard.
Yes, and plenty of creators do. Neither platform demands exclusivity. The usual setup is one main platform where you push every fan, and a mirrored page on the second with the same content. It costs you time, not money, and it gives you somewhere to land if one account is ever restricted.
OnlyFans, clearly. Its 20% cut is the industry norm, matched by Fansly and LoyalFans. FanCentro sits above that norm at a commonly reported 25%, with some sources putting it as high as 30% depending on plan and earning type. On fees alone there is no argument here: OnlyFans is the cheaper platform to sell on.
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