How creators actually get paid on OnlyFans, Fansly & LoyalFans (2026): methods, minimums, speed

Every "how creators get paid" guide online stops at the 80/20 split and calls it a day. That number is real, it's the same on all three of these platforms, and it tells you almost nothing useful. The cut isn't where the money question lives. When the money reaches your bank, how it gets there, and what gets shaved off on the way — that's the part that actually differs, and it's the part nobody writes down.

I cash out on OnlyFans, Fansly, and LoyalFans, so here's the plumbing: payout methods, minimums, holds, and the fees that don't show up in the headline percentage. One honest caveat before any numbers — platforms change payout terms without much notice, and several of these figures vary by your country and the method you pick. Treat this as a map, not a contract: the source of truth is always the Statements/payout screen inside your own account. I'm describing how the rails work, not giving financial advice.

The 80/20 is the same everywhere — stop optimizing for it

All three keep the same headline deal: you keep 80%, the platform takes 20%, and that 20% covers subscriptions, tips, pay-per-view, paid messages, and live. No volume discounts, no loyalty rate, no secret better split for big accounts. (You'll see the occasional claim that one of them hands new creators an 85/15 honeymoon rate — I couldn't stand any of those up, so don't budget around it.)

So if the cut is identical, the real comparison isn't "who pays more." It's "who gets my money to me fastest, with the least friction, at the smallest withdrawal." Those are three separate questions, and the platforms answer them differently.

How the money actually moves

The path is the same shape everywhere, and knowing it explains every number below:

1. A fan pays by card (Visa, Mastercard, and friends) — that's the only way money comes in.
2. The platform holds each charge for a window — chargeback protection — before the money is "available."
3. Once available, you withdraw to a payout method: bank transfer/ACH, an e-wallet like Paxum, a wire, sometimes crypto.
4. Your payout method and your bank each take their own cut and their own sweet time.

The 20% comes off at step 2. The fees nobody warns you about happen at steps 3 and 4 — and that's where the three platforms genuinely diverge.

OnlyFans — the low, fast floor

OnlyFans has the friendliest floor of the three. The minimum withdrawal is $20 to a standard bank transfer (direct deposit/ACH), low enough that you see your first money quickly. Each charge sits in a 7-day pending hold before it's withdrawable; after that, an ACH transfer typically lands in a few business days. New accounts in some higher-chargeback countries can see a longer initial hold (commonly reported as around 21 days for the first few months) before it settles to the standard week — if that's you, it's account- and region-specific, so trust your dashboard over my paragraph.

On fees: a standard domestic bank transfer carries no OnlyFans fee — just the 20%. International wires are the expensive door — creator guides put the OnlyFans wire fee at around $30, and your receiving bank plus currency conversion take more on top — so wires only make sense for larger, less frequent withdrawals. Payout-method availability (bank, Paxum, e-wallets) depends on your country, and the per-method minimums climb for wire (commonly ~$200) and e-wallets (commonly ~$100). For context on the fan side, subscriptions run $4.99–$49.99/month plus free pages.

Fansly — the high ceiling, the fuzzy floor

Fansly's split and hold match OnlyFans — 80/20, with a 7-day hold on each charge — but its floor is fuzzier and its ceiling is higher. The payout minimum isn't one number: depending on method and region, it lands anywhere from about $20 (US bank / Paxum) to $100 (international wire / crypto). I'd love to give you a single figure; there isn't an honest one, so check what your own account shows.

Two things worth knowing. First, Fansly lets subscriptions run all the way up to $499.99/month — versus OnlyFans' $49.99 ceiling. Only relevant if you actually sell a genuine premium tier, but it's a real structural difference. Second, there's a $5/month inactivity fee that kicks in after roughly twelve straight months of not logging in and slowly draws an idle balance down — a non-issue if you're active, a nasty surprise on a dormant account. Beyond the 20%, your real cost is the same as everywhere: the payout-method fee (a flat wire charge, or a small percentage on e-wallets and crypto, plus currency conversion).

LoyalFans — free rails, a higher minimum, slower cadence

LoyalFans has the most generous rails and the least generous minimum. Payouts via ACH (US), EFT (Canada), SEPA (EU), UK Faster Payments, PagoMundo, and Paxum are free — no platform fee on those, just the 20%. What it asks in return is a $50 minimum (balances under that roll to the next period) and $200 for a wire. Payouts run about twice a month, within roughly a week of each pay period closing — there's no on-demand withdrawal the way OnlyFans has one, so plan cash flow around a fortnightly rhythm rather than "whenever I want."

A few specifics: it explicitly does not support PayPal, Venmo, or CashApp for payouts; there's no signup or monthly fee beyond the 20%; tips are uncapped; and there's a 5% referral cut if you bring other creators on. Subscriptions run $1–$50/month. (Crypto payout support shows up in some write-ups and not others — if that's how you want to get paid, confirm it's live in your account before you count on it.) And to kill a myth I repeated myself until I actually checked: LoyalFans is a US company — ENDsun Services LLC, out of Florida — not the offshore operation it's often assumed to be.

What actually eats your money (it isn't the 20%)

Stack those up and the pattern is obvious: the 20% is identical everywhere, so it's not the variable to optimize. What actually shrinks your deposit is the stuff at the edges —

• Payout-method fees. A wire can cost $15–45 between the platform and the banks; e-wallets and crypto take a small percentage; currency conversion skims another 1–3% if you're paid in a currency you don't bank in. Pick the cheapest rail your country supports — for most US creators that's free ACH.
• Minimums parking your cash. A $50 floor means up to $49.99 sitting on the platform instead of in your account. Trivial at volume, real when you're starting.
• Holds. Every platform sits on each charge for about a week before you can touch it. Budget for it; don't get blindsided by it.

Net of all of it, the three land within a couple of points of each other. Anyone selling you one as the platform that "pays way more" is selling you something.

What I do

My setup is boring on purpose. I take the cheapest, fastest rail my country supports — a free domestic bank transfer — on every platform, and I only reach for a wire when a balance is big enough that a flat fee rounds to nothing. I withdraw on a schedule instead of impulsively, so the holds and the LoyalFans fortnightly cadence never catch me short. And I keep every account active enough that no inactivity clause ever gets a chance to bite. None of that touches the 80/20 — it just stops the edges from quietly costing me.

The number that matters more than any payout setting

Here's the part that should reframe this whole post: the payout mechanics decide how a number reaches you; they don't decide the number. A perfect, fee-free withdrawal of a sub count you never grew is still nothing. What actually sets your income is how many fans you funnel onto the platform in the first place — a traffic problem, not a payout-settings problem.

I wrote the platform trade-offs up in full in OnlyFans vs Fansly vs LoyalFans, the after-fee, after-tax take-home math in what you'll actually take home on OnlyFans, and the traffic side — the one that actually moves the number — in turning views into paying fans.

Get the funnel right first. Then optimize the rail the money rides home on.

— Sly