OnlyFans vs Fansly Platform Fee & Payout Comparison

Compare payouts, platform fees, referral systems, and chargeback protections between OnlyFans and Fansly to maximize your adult creator earnings.

Mathematical Audit

OnlyFans vs Fansly Payout Formulas

Evaluate how dispute clawbacks, referral years, and commission rates split your net earnings on both platforms.

OnlyFans Net Payout = (Gross × 80%) − OnlyFans Chargeback Loss + OnlyFans Referral Revenue
Fansly Net Payout = (Gross × 80%) − Fansly Chargeback Loss + Fansly Referral Revenue
OnlyFans Chargebacks = (Gross ÷ Avg Tx) × Chargeback Rate % × (Avg Tx + Chargeback Fee)
Fansly Chargebacks = 0 (Protected under Fansly's merchant terms)
OnlyFans Referral = Referred Gross × 5% (Year 1 only, 0% after)
Fansly Referral = Referred Gross × 5% (Year 1) or 1.5% (Year 2+ lifetime)

Both platforms take a standard 20% platform cut. The primary financial differences stem from Fansly's built-in chargeback protection for creators and its generous lifetime referral terms.

Operational Guide

How to Compare OnlyFans vs Fansly Payouts

1

Input your monthly gross revenue

Enter the target gross monthly sales volume you expect to process on the page.

2

Specify transaction size and chargeback rates

Define your average purchase amount and dispute frequency to model credit card chargeback risk.

3

Enter referred creator earnings

Input the monthly gross revenue generated by creators who signed up under your referral code.

4

Select referral age duration

Choose whether you are in Year 1 of the referral (5% payout for both) or Year 2+ (0% OnlyFans, 1.5% Fansly).

5

Compare net take-home payouts

Review the summary to see which platform provides higher payouts based on your volume and network.

Real-World Scenario Example

"A creator makes $4,000/mo, has a 2% chargeback rate, $20 avg transaction, and has $1,500/mo in referred creator earnings."

Inputs

monthlyGrossRevenue:4000
chargebackRate:2
averageTransactionValue:20
chargebackFee:15
referredEarningsGross:1500
referralYears:year1

Result

OnlyFans net: $3,135 (due to $140 chargeback clawbacks). Fansly net: $3,275 (protected from chargebacks, plus $75 referral). Difference: $140.

Important Disclaimer

These comparisons are estimates for modeling purposes. Actual platform payouts depend on bank fees, referral contract approvals, and platform policy updates.

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