FantasyFansly vs OnlyFans: where a creator actually earns more
Both take the same cut. The difference is where the paying audience is, how new fans find you, and what happens to your login when someone helps you run the account. Here is each one, from the platforms' own published terms.
Short answer
OnlyFans, for almost every creator, and Fansly second if at all. The deciding number is the paying audience. OnlyFans' audited accounts for the year to 30 November 2024 report 377.5 million fan accounts and $7.22 billion of fan payments. Fansly is privately held and we found no audited audience or payment figure from it to set beside those.
The cut is the same. OnlyFans' Terms of Service put its fee at 20% of every fan payment, and Fansly takes 20% too, so the platform choice changes nothing about your pricing arithmetic.
Fansly has two real advantages, and they are worth knowing: a built-in discovery feed that recommends posts to fans who do not follow you yet, and a native way to give a manager access without handing over the password. The first matters most to a creator with no audience of her own. On our accounts around 90% of an account's traffic comes from Instagram and TikTok, which is why the audience that pays decides more than the feed that finds.
Side by side, from what each platform publishes
| Question | OnlyFans | Fansly |
|---|---|---|
| Platform fee | 20% of every fan payment, stated in its Terms of Service | 20%, the same as OnlyFans |
| Paying audience | 377.5 million fan accounts, $7.22 billion of fan payments, audited, year to 30 November 2024 | No audited figure found; the company is privately held |
| How new fans find you | Almost entirely from outside the platform, which on our accounts means Instagram and TikTok | A For You Page that its help center calls "Fansly's built-in discovery system", plus profile tags and hashtags |
| Giving a manager access | No native manager permission; access runs through the creator's own login or third-party tools, so who holds the password is decided by who you work with | "Management Sessions", described as a way "to share access without giving out your login credentials", with payouts and account closure always restricted |
| Earnings hold | Not stated in the Terms of Service we read | 7 days pending after each sale |
| Lowest payout | Not stated in the Terms of Service we read | $20 by US bank or Paxum, $50 by SEPA, $100 by international wire or crypto |
| Highest price for one piece of media | $200 per message, the ceiling our PPV pricing works up to | $499.99, with a $1.00 minimum |
OnlyFans rows are quoted from onlyfans.com/terms and from Fenix International Ltd's audited accounts filed at UK Companies House. Fansly rows are quoted from help.fansly.com: the articles on the For You Page, Management Sessions, where earnings go, payout minimums by method, and the minimum price of a media sale. All read on 23 September 2026.
Why the audience outweighs the discovery feed
Fansly's feed is a genuine feature and it is the reason creators ask this question at all. A post on its For You Page can reach fans who have never heard of you, which OnlyFans essentially does not do. For a creator with no following anywhere, that is the whole argument for Fansly, and it is a fair one.
For a creator who is building an audience on Instagram and TikTok anyway, it is a much smaller argument. The traffic arrives from outside either way, and what matters once it arrives is how much of it pays and how often. That is a question about the audience on the other side of the link, and the only platform of the two that publishes an audited answer to it is OnlyFans: 377.5 million fan accounts, 81.5 of them for every creator account. The money inside those accounts is not in the subscription either. On our accounts it splits 10% subscriptions, 15% tips and 75% messages, so the platform that matters is the one where the fans who message and buy already are.
The average earnings on OnlyFans are worked out on what OnlyFans creators actually make: $104 a month per creator account, from the same audited filing, and why that average says more about the accounts nobody runs than about the ones somebody does.
The login question, which the platforms answer differently
This is the row where Fansly is ahead, and it is worth saying plainly because it changes what you should ask anyone who offers to help. Fansly lets a creator create a Management Session for "Agency A" or a photo editor, choose what that person can do, and keep "sensitive areas like payouts and account closure" locked. OnlyFans has no equivalent built in.
On OnlyFans the answer therefore depends entirely on the agency. Its own Terms of Service say that when "someone else assists you with the operation of your Creator account, this does not affect your legal responsibility. Our relationship is with you, and not with any third-party." The account is legally yours whoever runs it. At FantasyRise the login stays with the creator for the whole term and afterwards, OnlyFans pays her own bank account, and there is no minimum term and no notice period, which is what the Fansly feature is built to guarantee and what on OnlyFans has to be written into the agreement instead. Which agencies publish that you keep the login.
When Fansly is worth adding
As a second platform, once the first one is working. The content is the same, the fee is the same, and a fan who prefers Fansly is revenue you would otherwise not see. It is rarely worth starting there, and it is rarely worth splitting a new account's first months across two platforms, because the hours at the beginning go into finding a format that works on Instagram and TikTok, and every hour spent maintaining a second profile is an hour not spent there.
At FantasyRise a second platform sits under your existing commission rather than carrying a separate fee. What a Fansly agency does, what it costs and when you do not need one is on Fansly management agencies, and the sequence for a new account from sign-up onward is on how to start an OnlyFans.
Frequently asked
Is Fansly or OnlyFans better for a new creator?
OnlyFans for almost every creator. Both take 20%, and OnlyFans reports an audited paying audience of 377.5 million fan accounts and $7.22 billion of fan payments in the year to 30 November 2024; Fansly publishes no audited equivalent we could find. Fansly's built-in discovery feed helps a creator with no following at all, but on our accounts around 90% of traffic comes from Instagram and TikTok, where the audience is built either way.
Does Fansly take less than OnlyFans?
No. Both take 20% of what fans pay. OnlyFans states it in its Terms of Service as "20% of the total Fan Payment", and Fansly takes the same share, so switching platforms does not change what a creator keeps per sale.
Can an agency manage Fansly without my password?
Yes. Fansly's Management Sessions let a creator give an agency access "without giving out your login credentials", choose what it can do, and keep payouts and account closure restricted. OnlyFans has no built-in equivalent, so on OnlyFans the protection has to come from the agency's own terms: at FantasyRise the login stays with the creator throughout and afterwards.
Should I be on both Fansly and OnlyFans?
Eventually, often yes, and rarely at the start. The content and the fee are the same, so a second platform is extra revenue once the first is working. In the first months the hours go into finding a short-form format that brings traffic, and splitting them across two profiles slows that down.
How fast does Fansly pay out?
Each sale is pending for 7 days, payout requests are usually approved within 48 hours, and delivery typically takes 1 to 3 business days. The minimum is $20 by US bank or Paxum, $50 by SEPA and $100 by international wire or crypto, according to Fansly's help center, read on 23 September 2026.
Sources
OnlyFans' fee and the clause on third parties are quoted from its Terms of Service at onlyfans.com/terms. Its audience and payment figures come from Fenix International Ltd's audited accounts for the year to 30 November 2024, filed at UK Companies House and reported at the time as 377.5 million fan accounts, $7.22 billion of fan payments and 4.63 million creator accounts. Fansly's features, holding period, payout minimums and price limits are quoted from its help center at help.fansly.com. Fansly's 20% share is the figure reported across the payout guides we checked and the one our Fansly agency page works with; the help center articles we could read do not state the percentage. Everything was read on 23 September 2026. The traffic and revenue splits are read off our own managed accounts on 18 September 2026 and sit with every other operating figure on how OnlyFans actually works, in numbers.