The Passes homepage says it takes 10%. The Passes Creator Terms of Service, the document you actually agree to, say it takes 20% of all credit/debit Sales. Both statements are live on passes.com right now. This review prints both, links both, and walks through the payouts, the $50 leak charge in the Terms, and the content rule that quietly disqualifies a lot of readers.
Last updated July 2026
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Passes is a brand-safe creator platform where explicit content is banned and access is by application. Its published take rate is the problem: the homepage says "Passes takes just 10%. You keep 90% of everything you earn", while the Creator Terms of Service say "We take a 20% fee of all credit/debit Sales." Same company, same week, two numbers.
We are not going to resolve that for you by picking the number we like. We cannot, and neither can any other review. What we can do is tell you which document carries legal weight. Marketing copy is a promise. The Creator Terms are a contract, and the version live today is dated "Effective as of April 18, 2024". If you are budgeting a business around a 10% platform fee, go and read the Passes Terms and the Passes homepage yourself, in that order, before you sign anything. It takes four minutes.
The rest of the platform is genuinely interesting. Shop and marketplace sales are published at 0% for up to a year. DMs and exclusive content are published at 10%. Payouts start at $50 and run through ACH or PayPal, and US creators are fully supported. But two other clauses in the same Terms deserve your attention before the fee does, and we cover both below. If you want the whole field first, our creator monetization platforms comparison puts every major fee side by side.
Passes publishes a 10% take rate on its homepage and a 20% take rate in its Creator Terms of Service, and both are live today. This is not an old cached figure or a misquote from a third party. It is two live statements, on the same domain, that do not agree with each other.
"Passes takes just 10%. You keep 90% of everything you earn." The same page headlines "Keep up to 90% of everything you earn, best in the industry", and promises "No Hidden Fees" and "Instant Payouts".
"We take a 20% fee of all credit/debit Sales." That sentence sits in the Creator Terms section of the Passes Terms of Service, marked "Effective as of April 18, 2024". It is the agreement you accept when you onboard.
Both quotes are verbatim. We read them in a browser on July 13, 2026, and you can do the same in under five minutes. We are not accusing anyone of anything. Marketing pages fall out of sync with legal pages all the time, and it is entirely possible the Terms are simply stale. But "possible" is not "confirmed", and you are the one signing. A twofold difference in the platform fee is the biggest number in your business plan, and right now Passes tells you two things about it.
A second wrinkle sharpens the first. The homepage advertises "No Hidden Fees". The same Creator Terms define "Net Consideration" as "the total consideration actually received by Passes in connection with such Sale less any fees, taxes, and third-party expenses (e.g. any 'gas' or other payment or transaction processing fees)". So the contract contemplates payment and transaction processing costs coming out before your share is worked out. That is not the same picture as "No Hidden Fees". We are reporting the contrast, not claiming to know how it is applied in practice.
What we will not do is hand you an all-in effective rate. Passes publishes no full fee schedule, so any blended percentage would be a guess dressed up as arithmetic. Separately, the research firm Sacra reports the take as "10% of gross merchandise value plus $0.30 per transaction". Label that reported: Passes does not publish a $0.30 per-transaction fee anywhere on its own site, and it sits awkwardly next to the "No Hidden Fees" line. Ask support to confirm your rate in writing before you scale spend against it.
Six ways to charge a fan. Read the last column before the third one: it tells you where each number actually comes from.
| Income line | How the fan pays | The take rate | Published or reported? |
|---|---|---|---|
| Memberships and subscriptions | A recurring monthly fee that unlocks your page and your posts. | 10% per the homepage. 20% of all credit/debit Sales per the Creator Terms. | Published by Passes, in two places, with two different numbers. |
| Exclusive content and paid DMs | Fans pay to message you, or pay to unlock what you send them. | 10% | Published: Passes blog, August 26, 2025. |
| Shop and marketplace sales | A fan buys merch or a digital download from your shop. | 0% for up to one full year | Published: Passes blog, August 26, 2025. |
| 1:1 video calls | A fan books and pays for private call time with you. | No separate rate is published. The Terms clause covers "all credit/debit Sales". | Feature published. Per-line rate not published. |
| Livestreams, group chats, tips, PPV posts | Fans spend live, in a group, or to unlock a single post. | No separate rate is published. The Terms clause covers "all credit/debit Sales". | Feature published. Per-line rate not published. |
| A per-transaction fee | Charged on top of the percentage, if it exists as described. | "10% of gross merchandise value plus $0.30 per transaction" | Reported by Sacra, a third party. Passes does not publish a $0.30 fee anywhere. |
The 0% shop rate is the standout. If you sell merch, presets, guides, sample packs or any other digital download, a published year at zero commission is a real offer and nobody else in this category is matching it. The rest of the table is where the ambiguity lives. For context on how a 10% or 20% cut lands against the rest of the market, see how much Patreon takes.
A $50 minimum, ACH or PayPal, free automatic payouts in 3 to 5 business days. And one more contradiction between the homepage and the contract.
You need a $50 balance before Passes pays you anything. A low bar, but a bar, and a slow first month means no first payout.
Two rails: a bank account via ACH, or a PayPal wallet. No Stripe requirement.
Trigger a manual payout once every 24 hours, or set a recurring schedule of weekly, bi-weekly or monthly.
Passes states that automatic payouts are free and land 3 to 5 business days after the scheduled date. The default path, and the cheapest.
Instant ACH and 1-day options exist and carry extra fees. Passes does not state those amounts in text on its help pages, so we will not invent them. Read the fee in your dashboard before you confirm.
Payout countries include the US, Canada, Mexico, the UK, most of the EU, Switzerland, Australia, Japan, New Zealand and Singapore. If you are in the US, this is not a blocker.
Now the second contradiction. The homepage promises "Instant Payouts". The Creator Terms promise something considerably slower: "Passes shall pay Sale Proceeds owed to you bi-weekly within thirty (30) days of the end of each such bi-weekly period to your bank account." The product clearly moves faster than that in practice, since the help center documents a 3 to 5 business day automatic payout with paid instant options on top. But the legal commitment, the one you could hold them to, is the thirty-day one. Worth knowing if your rent depends on a payout landing.
The Passes Creator Terms allow the company to charge you $50 for every site on which a leaked piece of your content is found. The clause is explicit: for "every individual Leak (one piece of Content such as one image or one video) by you, you may be charged a leaking fee of $50 per site, platform or medium on which the leaked Content can be found, accessed or viewed", and it "may be collected through your Payment Method".
Do the arithmetic slowly, because it compounds in a direction creators do not expect. One video. Three sites hosting it. That is exposure to three separate $50 charges, billed to the card on file, not deducted from a balance you can watch building.
To be fair to Passes, the clause is aimed at creators who leak their own paid content, and the words "by you" are doing a lot of work in that sentence. Anti-leak terms exist across this industry for a reason. But we have not seen another Passes review mention this clause, and $50 per site, per piece, collected through your card, is not a footnote. Read the definition of "Leak" in the Terms and satisfy yourself that you know what triggers it before you upload anything you care about.
A funded, brand-safe platform with a review process at the door. Free to apply, not free to enter.
Founded in 2022 by Lucy Guo, a co-founder of Scale AI, and headquartered in Miami. Reported funding: a $9M seed in 2023 led by Multicoin Capital and a $40M Series A in 2024 led by Bond, around $49M to $50M total. Reported, not published by Passes.
Passes acquired Fanhouse in a deal announced on July 14, 2023, terms undisclosed (TechCrunch). In April 2026 it rebranded itself as "the Creator Accelerator Platform".
Not open signup. The help center says creators must be 18 or older and need a "size-able following" across their socials, which "varies depending on the kind of content you publish". Review takes a few days.
Engagement, meaning views, likes and comments, is assessed alongside reach, and applicants below the bar with "unique or compelling content" may be considered case by case. Anyone quoting you a hard number like 10k followers is making it up.
Memberships, paid DMs, 1:1 video calls, livestreams, group chats, a shop for merch and digital downloads, tips, PPV posts, automated messaging, CRM and automations, anti-screenshot protection and analytics.
Passes says it uses Amazon Rekognition for images and video, Hive Moderation for audio, Microsoft PhotoDNA for CSAM detection, identity verification and manual social presence review, and that it "has strict policies prohibiting explicit content on the platform".
One homepage number deserves a warning label. Passes advertises "10,000+ Creators", "1.5M+ Fans", "9 Figures Paid" and "$24.8k Avg Monthly Revenue", all self-reported and unaudited. That last figure has no stated denominator: Passes does not say what population the average is drawn from, so it tells you nothing about what a typical creator earns and you should not plan around it. Same treatment for "Creators on Passes are earning 4-10X more when compared to other brand-safe premium content platforms". No methodology is given, so it is a marketing claim, not a finding.
A putative class action, Rosenblum v. Passes, Inc., was filed on February 26, 2025 and is now pending in the U.S. District Court for the Central District of California (No. 2:25-cv-08457) after a transfer from Florida. It alleges CSAM-related claims involving a creator said to have been 17 at the time, against Passes, Lucy Guo and others. These are allegations. They have not been proven.
Passes denies them categorically. In its own words (PR Newswire, March 14, 2025) the company "refutes any claims that it approved or condoned the posting of underage explicit content on its platform" and calls the claims "meritless". It told TechCrunch the claims are "completely and utterly false".
In February 2026 the court declined to grant Passes Section 230 immunity at the pleading stage. Read that precisely: it is a procedural ruling about whether a particular legal defense applies this early, and it is not a finding that any allegation is true. As of July 2026 the case is in discovery. There is no trial, no judgment and no settlement. Attribution: TechCrunch (March 3, 2025) and the court docket.
The practical takeaway is simple. It is a live case, it is public, and it is a thing to be aware of when you weigh a platform, not a verdict.
What the platform genuinely does well, and every clause we would want a friend to read twice.
One more data point, offered with a caveat. Trustpilot shows a TrustScore around 2.3 from roughly 49 reviews, mostly fan-side complaints. That is a small sample of unverified user reviews that Passes has not confirmed, so we mention it and we do not build an argument on it. The fee documentation is the argument.
Start on the right. If you are in that column, nothing on the left matters.
The content rule is the most important line on this page for a lot of our readers, so we will say it plainly. If you make explicit content, Passes is not a platform you can use, and not one you can point at either. It is the same wall Patreon puts up, covered in Patreon and NSFW content. If that is you, go straight to Patreon alternatives for adult content or the wider OnlyFans alternatives roundup. And one fact that explains the whole policy: fans aged 13 to 17 are permitted on Passes. They cannot receive DMs and only see age-appropriate content, and creators exceeding a PG-13 rating are not visible or discoverable to them. That teen audience is why the content rule is not negotiable.
The two brand-safe platforms creators actually choose between. Same no-nudity rule, very different paperwork.
| What you are comparing | Passes | Fanfix |
|---|---|---|
| Published take rate | 10% on the homepage. 20% of all credit/debit Sales in the Creator Terms. Both are live right now. | Widely reported as 80/20 in your favor. Fanfix does not state the figure on its own site. |
| Content policy | Explicit adult content, nudity and pornography are prohibited. So is selling panties or lingerie. | Strictly safe for work. Nudity and explicit content are prohibited. |
| Linking to an NSFW page | Prohibited. Direct links or calls to action pointing at an NSFW platform are banned in bios, captions and posts. | Not permitted under the safe-for-work policy. |
| Getting in | Application with review. You need a "size-able following" and real engagement. Review takes a few days. | Invite-only. You apply, applications undergo careful review, and you need valid, active social handles. |
| Payout methods | Bank account via ACH, or a PayPal wallet. Minimum payout is $50. | US and UK creators can only receive payouts through Stripe. |
| Who can see you | Fans aged 13 to 17 are permitted on the platform. They cannot receive DMs. | All fans and creators must be 18 or older. |
Honest read: if the Passes rate is really 10%, it is the better commercial deal by a wide margin, and the 0% shop year makes it wider. If the Terms govern and the rate is 20%, the two platforms are level on money and you are choosing on product and audience instead. That uncertainty is the entire decision, which is why we keep sending you back to the Terms. Full breakdowns in our Fanfix review and in Passes vs OnlyFans.
Direct answers first. Quotes where quotes matter. No invented numbers.
Passes publishes two different answers. Its homepage says "Passes takes just 10%. You keep 90% of everything you earn." Its Creator Terms of Service say "We take a 20% fee of all credit/debit Sales." Both are live on passes.com today. The Terms are the contract you agree to, so read them before you assume 10%.
Yes, it is a real, funded company. Passes was founded in 2022 by Lucy Guo, a co-founder of Scale AI, is headquartered in Miami, raised a reported $9M seed in 2023 and a reported $40M Series A in 2024, and acquired Fanhouse in July 2023. Legit does not mean uncomplicated: read the fee section and the lawsuit section below.
No. The Community Guidelines say plainly: "We do not allow explicit adult content, nudity, or pornography." Selling panties, lingerie or other inherently sexual items is banned too, as is adult sexual solicitation. If explicit content is your business, Passes is the wrong platform and it will not become the right one.
No. This surprises people, so read it twice. The Community Guidelines prohibit funnelling: "Direct linking or calls to action to a NSFW platform within the bio, captions, text/audio/video posts, etc. is prohibited." You cannot run a clean Passes page as a top-of-funnel that points fans at your NSFW page.
The minimum payout is $50, and you get paid to a bank account via ACH or to a PayPal wallet. You can trigger a manual payout once every 24 hours, or set an automatic recurring schedule of weekly, bi-weekly or monthly. Automatic payouts are free and land 3 to 5 business days after the scheduled date.
Yes. Passes states that instant ACH and 1-day payout options exist and carry extra fees. It does not state the amounts in machine-readable text on its help pages, so we will not guess at them. Check the fee shown in your dashboard at the moment you request the payout, before you confirm it.
You apply and Passes reviews you. Creators must be 18 or older and need a "size-able following" across their social accounts, which Passes says "varies depending on the kind of content you publish". Engagement is assessed too. Review takes a few days. No follower minimum is published, so ignore anyone who quotes one.
No, and nobody should read the number that way. Passes puts "$24.8k Avg Monthly Revenue" on its homepage as a self-reported claim, but it does not define what that figure is an average of. Without a denominator it tells you nothing about what a typical creator earns. Treat it as marketing, not as a forecast.
The Creator Terms state that for "every individual Leak (one piece of Content such as one image or one video) by you, you may be charged a leaking fee of $50 per site, platform or medium on which the leaked Content can be found". It may be collected through your payment method. One video on three sites is exposed to three charges.
The question underneath all nine: does the platform decide your income? It does not. Getting found, priced correctly and answered fast is what separates a page earning $200 a month from one earning $8,000, and no platform does a minute of that for you. Compare the field before you commit: what Fansly is and what Fanvue is.
Passes, OnlyFans or Fansly, opening the page takes ten minutes. Getting found, priced correctly and answered fast takes a team, and that is our whole job. Send a free, confidential application and we promote, price and message for you. A reply within 24 hours, no fees to apply, and your login and payouts stay yours.
Apply nowBrand-safe and gated against open and explicit. Which one actually pays you more, and why.
ReviewThe other no-nudity, invite-only platform. The reported 80/20 split and what the SFW rule costs you.
RoundupEvery major platform fee in one table, with published rates separated from reported ones.
GuideWhere to go when the brand-safe platforms will not have you, and what each one actually takes.
RoundupEvery major alternative compared on fees, audience and who each one genuinely suits.
PlatformThe subscription platform courting creators who want a cleaner brand and open signup.
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