Fansly does publish its split. It just never writes the number you are searching for. It writes the 80%, in a help article, and in the same breath it rules out the extra fees that almost every other page on this topic charges you on top.
Last updated July 2026
Nobody negotiates Fansly down from 20%. What you can change is the number it takes 20% of. We promote adult creators, price the subs, unlocks and PPV properly, and keep the fans buying. Free, confidential application, a reply within 24 hours, and your logins and payouts stay yours.
Fansly takes 20%. You keep 80%. The wrinkle is that Fansly never writes "20%" anywhere. Its help center article "Getting Started on Fansly" states: "Earnings: Creators receive 80% of revenue from subscriptions, sold media, messages, and tips. No hidden fees for payouts, processing, or currency conversion." The 20% you are looking for is simply the arithmetic complement of that published 80%.
Read the second sentence again, because it is the part almost every article ranking for this query gets wrong. The common claim is that Fansly takes 20% and then charges payment processing on top. Fansly says the opposite, in writing: no payout fee, no processing fee, no currency conversion fee. For a US creator paid in USD by ACH there is not even a conversion step to charge for. The 20% is the whole cost.
One sourcing note. That sentence lives in the help center, not the terms of service. Fansly's ToS is a JavaScript app that renders nothing readable, including in the Wayback Machine, so any page telling you "Fansly's terms say 20%" has not read them. If you are new to the platform, start with our explainer on what Fansly is and how it works, then come back for the money.
A US creator, paid in USD, by domestic ACH. Every fee line below is documented as zero by Fansly itself.
| Line | Amount | Source |
|---|---|---|
| Gross fan spend | $1,000.00 | Subscriptions, sold media, messages, tips. One rate covers all four. |
| Fansly's cut (20%) | -$200.00 | The arithmetic complement of the 80% Fansly publishes. |
| Payment processing fee | $0.00 | Fansly: "No hidden fees for payouts, processing, or currency conversion." |
| Payout fee | $0.00 | Same sentence. Not charged. |
| Currency conversion | $0.00 | USD in, USD out. There is no conversion step at all. |
| Lands in your US bank | $800.00 | Effective take rate: 20.0%. A point estimate, not a range. |
Three things can widen that, and only three, all named further down this page: a refund or chargeback (Fansly does not publish whether it claws back your net or the gross), the $5 inactivity charge (only if you go dormant), and your own bank's fee for receiving an international transfer (which does not apply to domestic ACH). Absent those, $1,000 gross is $800.00 in your account. Effective take rate: 20.0%.
The same 20% on everything. Fansly publishes no per-product tiering at all: one sentence covers subscriptions, sold media, messages and tips together, at 80% to the creator. There is no cheaper rate for subs, no more expensive rate for pay-per-view, and no volume discount for big earners. One rate, four income lines.
The one hard number Fansly puts around your pricing is on media: a sold media item must cost at least $1.00 and no more than $499.99. So the cheapest unlock nets you $0.80 and the most expensive nets you $399.99.
20%, the same as everything else. Tips are named explicitly in Fansly's published earnings sentence, so a $100 tip leaves you $80.00 and a $20 tip leaves you $16.00. If you have read that tips pay out at a better rate, or that livestream tips are treated differently, that is invention. Fansly has never published a separate figure for either.
No separate percentage exists. Fansly's livestream documentation states no rate of its own, and for a good reason: stream income arrives as tips and paid unlocks, both of which are already covered by the one published sentence. So the answer is 20%, by inclusion rather than by a dedicated policy line.
Referrals are additive, not deducted. Refer a fan and you earn 1% of their purchases for their first 90 days. Refer a creator and you earn 5% of their sales for the first year and 1.5% after that, with no stated end date. It costs the referred creator nothing, and you can only refer someone before they complete their application, so the window is narrow.
This is the table that half the internet has wrong. The $100 minimum you keep seeing is the international wire, not the US one.
| Method | Minimum | Delivery | Notes |
|---|---|---|---|
| Local bank deposit (includes USD ACH transfers) | $20 | 1 to 3 business days once the payout hits Processing | This is the US creator line. Domestic ACH, no currency conversion step. |
| Paxum | $20 | Usually within 24 hours or less | E-wallet. Fastest tier alongside Cosmopayment and crypto. |
| Cosmopayment | $20 | Usually within 24 hours or less | E-wallet. Same $20 floor as Paxum. |
| SEPA bank transfer (EU and UK) | $50 | 1 to 3 business days once Processing | Not relevant to a US creator paid in USD. |
| International bank wire (SWIFT) | $100 | 1 to 3 business days once Processing | This is the only $100 bank minimum. It is not the US minimum. |
| Crypto | $100 | Usually within 24 hours or less | Fast, but the highest threshold on the list. |
| PayPal | Not offered | Not offered | PayPal is not a listed Fansly payout method. |
Two rules govern that minimum column. The hard limit means you cannot submit a request below your method's floor at all. The soft limit means you can request below it, but the request will sit at "Approved" until your approved requests together add up to the minimum. Either way, no money moves until you clear the number. Fansly also warns that your own bank may charge you for receiving an international transfer, and is careful to note that this is "your bank, not Fansly." On domestic USD ACH that is normally $0.
As often as you ask, once the money unlocks. Fansly payouts are pull, not push: nobody wires you anything on a schedule, you request it. Every sale sits pending for seven days ("Each transaction unlocks exactly seven days after it was earned"), then you request, approval lands within 48 hours, and delivery takes 1 to 3 business days. Sale to bank: roughly 8 to 12 days.
Two mechanics shape the rhythm after that. Fansly processes bank and crypto payouts every three days, and once one is sent there is a 72 hour cooldown before the next. Anyone telling you Fansly "pays out every Tuesday and Friday" has confused it with another platform. There is no fixed pay day, because there is no pay day at all.
Approved means reviewed and queued, not paid. Fansly approves within 48 hours, and if your request was under the soft limit it will stay parked at Approved until your total approved requests reach the method minimum. So Approved with nothing in your bank is usually not a bug. It is the minimum doing its job.
| Status | What it means |
|---|---|
| Pending | The money exists but has not unlocked. Each transaction unlocks exactly seven days after it was earned. |
| Approved | Your request has been reviewed and queued. Approval happens within 48 hours. Under the soft limit rule a request can sit here until your approved requests together reach the method minimum. |
| Processing | Fansly has sent it to the payment rail. Bank and crypto payouts are processed every three days, with a 72 hour cooldown after one goes out. |
| Processed | Fansly is done. The money is with the bank or the wallet. |
| Completed | It has landed. On a US bank statement it typically shows up as SELECT MEDIA LLC. |
| Failed | Something bounced. The most common cause is a name mismatch: payouts can only be sent to accounts that match the name on your creator application. |
No. PayPal is not a listed Fansly payout method. Your options are a bank transfer (ACH in the US, SEPA in Europe, SWIFT internationally), Paxum, Cosmopayment or crypto. Whichever you choose, the account has to match the name on your creator application, because Fansly states payouts can only be sent to matching accounts. Expect deposits to show on your statement as SELECT MEDIA LLC.
That last detail catches people out. If the account is in a partner's name, a maiden name, or an LLC that does not match your application, the payout fails. Sort it before your first request, not after. For the equivalent mechanics next door, see our breakdown of how OnlyFans payouts work.
There is exactly one: a $5 inactivity charge, deducted from your Fansly wallet, repeating monthly until the balance reaches $0 or you log back in. For creators it comes out of spending balance first and then Earnings. Fansly does not publish how long you have to be inactive before it triggers, so do not believe anyone who tells you it kicks in "after 12 months." The trigger period is simply not stated.
The fix is trivial: withdraw your balance, or log in occasionally. It does not touch an active creator. It is worth naming precisely, though, because it is the only Fansly-charged fee that exists outside the 20%.
Fansly publishes that "Refunds are deducted directly from your wallet balance or pending funds," and it publishes the triggers: custom content not delivered inside the agreed timeframe (or two weeks), account inactivity of six months or more, and unclear descriptions of what a purchase includes. What it does not publish is the basis of the deduction, and that gap costs you real money.
In dollars: a $50 refund costs you either $40 (if Fansly claws back only your 80% net) or $50 (if it takes the full gross). Fansly does not say which, so budget for the worse one. And there is no published Fansly chargeback fee at all. The "$10 to $25 per dispute" figure on other sites is unverifiable, and repeating it would be inventing a cost. Our guide to how creator chargebacks work covers the habits that keep disputes rare, and they transfer cleanly to Fansly.
No. Fansly withholds nothing and issues no W-2s. You are an independent contractor, so every dollar of that 80% arrives untaxed and the liability is yours. You must submit a W-9 before you can withdraw anything at all: in Fansly's words, "you won't be able to withdraw funds until your tax forms are submitted." Fansly then issues one consolidated 1099-NEC per TIN.
Now the part nobody else has caught, and it has moved since Fansly wrote those pages. Fansly contradicts itself on the reporting threshold: its "Ultimate Tax Guide FAQ" says it reports creators earning more than $20,000 a year, while its "Submitting a W-9" page and its 1099-NEC page both say $600. Neither number is the current one. The $600 was the right 1099-NEC threshold through tax year 2025, the form that landed in early 2026. For tax year 2026 earnings, the money you are making right now, the IRS raised the threshold to $2,000 (indexed for inflation from 2027). The $20,000 belongs to the 1099-K, a different form entirely. The threshold only decides whether a form gets issued, not whether you owe tax: every dollar is taxable either way. Our guide to the creator 1099 and the new $2,000 threshold has the IRS citation.
Practically, that means setting aside a slice of every payout as it lands rather than meeting the number in April, and it means you should keep a running record of what actually landed in your account instead of trusting a platform dashboard you may lose access to. If you sell on more than one site, your own ledger is the only place the full picture exists. Taxes are not a platform fee and we have kept them out of the 20% for that reason, but they are the single biggest bite out of what you keep. Our creator tax guide goes deeper. This is general information, not tax advice.
Both take 20%. OnlyFans' terms of service state it in as many words: "Our Fee is calculated as 20% of the total Fan Payment and will be deducted from each Fan Payment." Fansly's published 80% creator share is the same deal expressed from the other end. Anyone selling you Fansly as the cheaper platform is selling you something that is not true.
The difference is posture at the edges. Fansly's help center affirmatively claims no processing, payout or currency conversion fees. OnlyFans' terms take the opposite stance on bank and e-wallet charges: "We are not responsible for paying such charges." OnlyFans is the more specific one on disputes, though, stating that a chargeback deducts "an amount equal to the Creator Earnings portion," which is the net basis, while Fansly leaves that unanswered. Note also that OnlyFans' widely quoted $20 minimum and seven day pending period are reported figures, not terms of service figures.
So the fee comparison is a wash, and you should be choosing on audience, discovery and how the platform behaves day to day. That is what our OnlyFans vs Fansly comparison is for, and our master comparison of creator monetization platforms and their fees puts every take rate on one page. See also Fanvue vs Fansly and the wider list of OnlyFans alternatives.
Fansly is more transparent than most of its competitors about fees, and still leaves two questions unanswered.
The take rate is the one number here you cannot change. The gross is the one you can. We promote adult creators where their buyers already are, price the subs, unlocks and PPV so the 80% is worth having, and keep the fans renewing. You keep your logins, your payouts and the large majority of what you earn. Here is how we work with Fansly creators as an agency.
Apply to FansPromo freeFansly takes 20%. It never writes that number: its help center states that "Creators receive 80% of revenue from subscriptions, sold media, messages, and tips," so the 20% is the arithmetic complement of the published 80%. The same sentence adds: "No hidden fees for payouts, processing, or currency conversion."
The same 20%. Fansly names tips explicitly in its one published earnings sentence, alongside subscriptions, sold media and messages. There is no separate tip rate, no separate livestream rate and no per-product tiering published anywhere. Any page quoting a different percentage for tips is guessing.
Yes, 20% of every sale, and that is the whole cut. Fansly explicitly says there are no payout, processing or currency conversion fees on top. Media sales must be priced between $1.00 and $499.99, so on a $50 unlock you keep $40.00 and Fansly keeps $10.00.
It depends on the method. Local bank deposits, which include USD ACH transfers, have a $20 minimum, and so do Paxum and Cosmopayment. SEPA is $50. International SWIFT wires and crypto are $100. If you are a US creator paid by ACH, your minimum is $20, not $100.
As often as you request it, once funds unlock. Each transaction stays pending for exactly seven days after it was earned. Then you request a payout, Fansly approves within 48 hours, and bank payouts are processed every three days with a 72 hour cooldown after one is sent. Sale to bank is roughly 8 to 12 days.
Not for payouts. The listed methods are bank transfer (ACH, SEPA or SWIFT), Paxum, Cosmopayment and crypto. PayPal is not among them. Whichever you pick, the account name has to match the name on your creator application or the payout will fail.
No. Fansly withholds nothing and issues no W-2s. You must submit a W-9 before you can withdraw at all, and Fansly issues one consolidated 1099-NEC per TIN. Its own pages disagree on the threshold ($600 in two places, $20,000 in another), and both are now stale: the IRS threshold was $600 through tax year 2025 and rises to $2,000 for 2026 earnings. Either way, every dollar is taxable whether a form arrives or not.
No. The take rates are identical. OnlyFans' terms of service state that "Our Fee is calculated as 20% of the total Fan Payment," and Fansly's published 80% share works out to the same 20%. The difference is at the edges: Fansly affirmatively claims no processing or payout fees, while OnlyFans' terms disclaim responsibility for bank and e-wallet charges.
One last thing, plainly. The 20% is not why a creator earns badly, and the 80% is not why one earns well. The rate is identical to the biggest platform in the category, the structure around it is cleaner than most, and the money reaches a US bank in a week and a half with nothing skimmed on the way. Your month is decided by how many people are buying. If you are still weighing the platform itself, our guide to what Fansly is and who it works for is the place to start.
How the platform works, who it suits, and what it takes to get approved.
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