OnlyFans vs Fansly vs Fanvue Fees, payouts, team access and AI rules for creators and agencies

OnlyFans, Fansly and Fanvue all pay creators 80% of what fans spend, according to their own terms and help pages. They differ on how and when you are paid, how an agency or team gets into your account, and what each allows with AI. This guide compares what each platform publishes. It doesn’t recommend one.

In short

• All three pay creators 80% of fan spending. Each states it in its own terms or help centre.
• Fansly and Fanvue both hold new earnings for about 7 days before you can withdraw them.
• Fansly and Fanvue both let an agency work in your account without your password, and both keep payouts out of the agency’s reach.
• Fanvue allows AI accounts if they are clearly labelled. Fansly doesn’t allow photorealistic AI content. OnlyFans requires AI content to be clearly labelled, and according to Wikipedia its terms prohibit chatbots.
• OnlyFans pays in US dollars once your balance reaches a minimum, and its terms describe no team or manager access.
• Whichever platform you use, the account should be in your name, and the payouts should go to you.

What do OnlyFans, Fansly and Fanvue have in common?

All three are subscription platforms. Fans pay a creator for a subscription, paid messages, locked posts and tips, and the platform keeps a share.

OnlyFans is the largest. According to Wikipedia, OnlyFans announced in October 2025 that it had paid out $25 billion to creators since 2016. Fanvue was founded in London in 2020, and Wikipedia notes its emphasis on AI-generated creators.

The differences are in the details each platform publishes: payouts, team access and AI rules. Those details matter to creators and to the agencies that work with them.

How much does each platform take?

OnlyFans: 80% to the creator

OnlyFans’ terms say its fee “is calculated as 20% of the total User Payment”, so creators are paid 80%.

Fansly: 80% to the creator

Fansly’s help centre says creators receive 80% of revenue from subscriptions, sold media, messages and tips, with no hidden fees for payouts, processing or currency conversion.

Fanvue: 80% to the creator

Fanvue’s help centre calls 80% its standard earning rate. An 85% rate for creators who joined in 2022 has ended.

The 80% is what the platform pays you, before any agency share. If you work with an agency, ask whether its share is counted on what the platform pays you (net) or on what fans spend (gross). The same percentage of gross takes more.

How and when are you paid?

Fansly

• Each sale is held for seven days, then moves to your available balance.
• Most payout requests are reviewed within 48 hours.
• International bank transfers and crypto payouts are sent in batches every three days.
• Bank payouts usually arrive 1 to 3 business days after processing. Crypto and the two e-wallets usually arrive within 24 hours.
• Minimums depend on the method: $20 for the two e-wallets and for local bank deposits in South America and Asia, $50 for SEPA transfers in the EU and UK, and $100 for international wire transfers and for crypto.

Fanvue

• New earnings are pending for about 7 days, while Fanvue checks them and deducts its fees. If the fan hasn’t verified their email, the hold can last 30 days.
• You request a payout yourself. The minimum is $20 in your available balance, and it can be higher in some regions.
• Before your first payout, you need at least five pieces of content and verified co-creators.
• Payouts arrive in 3 to 5 business days, depending on the method.
• Methods are bank transfer, two e-wallets and crypto, depending on where you live. PayPal isn’t available.

OnlyFans

• All fan payments and creator earnings are in US dollars. Your bank or e-wallet may charge conversion fees.
• You choose a payout method when you open a creator account, and you can withdraw once your balance meets the minimum payout amount. The terms don’t state the minimum or the timing.

If you live outside the US or the EU, check which methods work in your country before you start. Each platform says availability depends on your location.

How does an agency or team get into your account?

This is where the platforms differ most for agencies. Sharing a password gives someone everything, including your email and your payouts. Team access gives them only what you choose.

Fansly: Management Sessions

• You create a session link for a team, an agency or an assistant, with the permissions you choose. You don’t share your login.
• Payouts and account closure are always restricted.
• Each link is single-use. You revoke access by deleting the session.
• Fansly says you are responsible for what is done through a session you create.

Fanvue: Manager Accounts

• You invite a manager from Settings → Management, using the email the manager registered with.
• Managers can’t access payouts, change your email or password, or delete your account. Only you can add or change payout methods.
• Managers add team members, such as chatters. Team members can use the feed, messages and the vault, but can’t publish or delete vault content.
• By default, a team member can see every creator under that manager account. Fanvue suggests a separate manager account per creator to limit this.
• Manager and agency accounts can’t turn on two-factor authentication yet. Keep it on for your own account.

OnlyFans

• OnlyFans’ terms describe no team or manager access. They say that if someone else helps you run your account, you stay legally responsible, and that OnlyFans’ relationship is with you, not with any third party.

Fansly also asks agencies and studios to sign up with the legal details of the primary account owner, who is the person paid out. Check that this is you.

What are the rules on AI content?

Fansly

• Photorealistic AI-generated content isn’t allowed. Labelling it as AI doesn’t make it allowed.
• Non-photorealistic virtual personas are allowed, registered under the real owner’s legal identity.
• The terms Fansly quotes also restrict AI systems that talk directly with fans to generate personalised replies.

Fanvue

• AI accounts are allowed: fully AI characters, AI personas of a real person who consents, and AI-enhanced creators.
• AI content must be disclosed clearly and prominently, in the bio, the caption or a watermark.
• A fully AI account must never tell fans it is a real person. AI characters must look clearly adult.
• Anything not allowed as real content isn’t allowed as AI content either, including in messages.
• According to Wikipedia, AI creators accounted for 15% of Fanvue’s revenue in one month.

OnlyFans

According to Wikipedia, OnlyFans’ terms explicitly prohibit chatbots.

OnlyFans’ terms say AI-generated content must follow its terms and be “clearly and conspicuously captioned” as AI-generated, for example with #ai or #AIGenerated.

For agencies, these rules reach the chat team. Who writes the messages, a person or software, is part of each platform’s rules.

Can you use two platforms?

Using two platforms spreads the risk of a suspension or a rule change. Check exclusivity first. OnlyFans’ terms give it a “non-exclusive” licence to your content, and we found no clause in its terms that bars you from other platforms.

What else should you check?

Content rules change. In August 2021, OnlyFans announced it would stop allowing sexually explicit content from 1 October 2021, then reversed the decision six days later, according to Wikipedia. Read each platform’s current rules before you plan around them.

Content with other people needs consent and paperwork first. Fansly requires consent and documentation before you publish content with anyone else, and Fanvue requires verified co-creators before a payout.

The platform is only half of it. An agency’s contract decides who owns the account, who controls the logins and what happens when you leave.

Which platform should you choose?

This guide doesn’t recommend one. Start from your own answers:

• How often do you need to be paid, and which payout methods work in your country?
• Will a team or an agency work in your account? Can they do it without your password?
• Do you use AI in your content or messages? Which rules fit how you work?
• If you work with an agency, which platforms does it actually know?

How does this work on Crewvale?

Crewvale is a free marketplace where creators and cam models compare OnlyFans and webcam agencies on their published terms. You can list agencies by the platforms they work on: OnlyFans, Fansly, Fanvue.

Every agency publishes six terms, including how you are paid and who owns your accounts. The Crewvale team reviews each agency’s six published terms and its commitment to check every creator’s ID and age before it is listed. Agencies that also submit a company registration document that passes the check carry the Verified badge, renewed every 12 months. Agencies see an anonymous summary until you accept an introduction.

Crewvale is free for creators and agencies, and no agency can pay to rank higher. Crewvale isn’t affiliated with any platform named here.

To see what agencies take on top of the platform fee, read how much an OnlyFans agency takes.

Sources

Fansly’s help centre: getting started (updated 13 August 2026), payout processing times (updated 9 July 2026), payout minimums by method (updated 16 October 2025), Management Sessions (updated 1 December 2025), applying as an agency (updated 13 July 2026) and AI-generated content (updated 8 July 2026). Fanvue’s help centre: earning rate changes, pending and available balance, receiving a payout, payout methods, payout options (updated 21 August 2026), Manager Accounts, two-factor authentication and AI content (pages without a date). Wikipedia, “OnlyFans” and “Fanvue”. OnlyFans’ terms of service, last updated August 2024. All read on 18 October 2026.

Last reviewed: 26 October 2026.