Fansly takes 20%. As of October 2026, Fansly's getting-started guide says creators receive 80% of revenue from subscriptions, sold media, messages and tips. It also states there are no hidden fees for payouts, processing or currency conversion.
That answer has one catch. Fansly's Statistics page tracks eight revenue types, and only Subscriptions and Tips match the 80% wording by name. In agencies I've worked with, the 20% itself rarely caused confusion. Matching what fans paid to what reached the bank did.
This guide covers both, using Fansly's own help centre. If you're new to the platform, start with what Fansly is and how it works.
What percentage does Fansly take from each sale?
Fansly keeps 20 cents of every dollar fans spend on subscriptions, sold media, messages and tips. You keep 80 cents. Here's what that looks like at common prices, within Fansly's limits for subscriptions, media sales and tips:
| What the fan pays for | Fan pays | You receive (80%) | Fansly keeps (20%) |
|---|---|---|---|
| Minimum tip | $0.10 | $0.08 | $0.02 |
| Minimum subscription, per month | $5.00 | $4.00 | $1.00 |
| Monthly subscription | $10.00 | $8.00 | $2.00 |
| Locked media (PPV) | $25.00 | $20.00 | $5.00 |
| Large tip | $100.00 | $80.00 | $20.00 |
| Maximum subscription, per month | $499.99 | about $399.99 | about $100.00 |
Scale it up and the math stays the same. Say you have 500 subscribers at $10 a month and sell 100 locked posts at $25. Fans pay $7,500 in total. You receive $6,000, and Fansly keeps $1,500.
Two caveats apply. Fansly doesn't document how it rounds fractions of a cent, so very small amounts can be a cent off. And these figures come before refunds and tax, which are covered below.
Does Fansly charge payout or processing fees?
No, according to Fansly. Its getting-started guide says there are no hidden fees for payouts, processing or currency conversion. All transactions are in US dollars. Fansly's page on alternative payout methods, covering Paxum, crypto and Cosmopayment, doesn't list any fees either.
What Fansly's pages don't cover is your side of the transfer. Your bank, crypto wallet or payout provider may have its own charges or exchange rates. Check with them before you pick a method.
You'll also find other numbers online, such as sliding commissions or extra processing fees of a few percent. Fansly's own help centre states neither. When a third-party site and Fansly disagree, go with Fansly's page and check your first payout against it.
How much do you need to earn to reach the payout minimum?
Each payout method has a minimum payout. Payouts come from your earnings, so the minimum is measured against your 80% share, not what fans paid. That means fans need to spend a little more than the minimum:
| Payout method | Minimum payout | Fan spending needed at 80% |
|---|---|---|
| Paxum, Cosmopayment, local bank deposits | $20 | $25 |
| SEPA | $50 | $62.50 |
| SWIFT, crypto | $100 | $125 |
Local bank deposits here means South America and Asia, plus USD ACH and CAD. The spending figures assume all your revenue earns the 80% rate, with no refunds.
Timing matters too. Fansly's payout timing page says new earnings stay pending for 7 days. Once they clear, you request a payout, and Fansly reviews most requests within 48 hours.
After that, it depends on the method. Bank transfers usually arrive 1 to 3 business days after a payout reaches Processing. Crypto, Paxum and Cosmopayment usually arrive within 24 hours, though international and crypto payouts go out in batches every 3 days. EU and UK SEPA payouts under $50 are held until they reach $50 or 14 days pass. Fansly's minimums page still lists $50 for SEPA, so its two pages don't fully line up.
What's the difference between Gross and Earnings on Fansly?
Gross is what fans paid. Earnings is what you keep. Fansly's Statistics page guide covers a beta feature that's new as of September 2026. It defines Gross as "the total amount fans paid". Earnings is net revenue "after Fansly's share and any refunds".
| Gross | Earnings | |
|---|---|---|
| What it measures | The total amount fans paid | Your net revenue |
| Fansly's share taken out? | No | Yes |
| Refunds taken out? | No | Yes |
| Most useful for | Judging demand and pricing | Planning payouts and cash flow |
This gives you a simple self-check. If most of your revenue is subscriptions, sold media, messages and tips, Earnings should land near 80% of Gross. If it's noticeably lower, look at refunds first. The Statistics page also shows a refund rate, so you don't have to guess.
Does Fansly take 20% of every revenue type?
Fansly only states the 80% split for subscriptions, sold media, messages and tips. The Earnings tab on the Statistics page breaks revenue into eight types, though. Here's what Fansly says about each, as of October 2026:
| Statistics revenue type | Your share | What Fansly says |
|---|---|---|
| Subscriptions | 80% | Named in the 80% split |
| Tips | 80% | Named in the 80% split |
| Media | Likely 80% | Fansly's split names "sold media" but doesn't confirm it's this type |
| Locked Text | Not stated | No split published |
| Media Sets | Not stated | No split published |
| Stream Tickets | Not stated | No split published |
| Referrals | Separate rate | Fansly publishes referral rates separately, covered below |
| Leaderboard Prize Money | Not stated | Paid by Fansly, no fee mentioned |
Messages are another gap. Fansly's 80% sentence names messages, but the Statistics page has no Messages type. Fansly doesn't say which type message revenue is counted under. Price-per-message chat during live streams has no published split either.
Referrals
Referral earnings work differently from the 80% split. The referral program page says you earn a percentage of referred users' revenue. Fansly's page on creating a referral code gives the rates as of October 2026:
- Fan referrals: you earn 1% of their purchases for the first 90 days.
- Creator referrals: you earn 5% of their sales for the first year, then 1.5%.
A creator can only be referred before they finish their creator application. Fansly doesn't say whether "sales" means gross or net. The referral tracking page also notes referrals can take up to 10 days to show.
Leaderboard prize money
Fansly's leaderboard FAQ says prize money is paid by Fansly, and it doesn't mention a fee. It also said September's prizes would be credited on October 8, 2026.
For the types marked "not stated", don't assume 80%. Watch what actually lands in Earnings for them, and ask Fansly support if a number looks off.
Do refunds and chargebacks come out of your earnings?
Refunds usually do, and chargebacks usually don't. Fansly treats the two very differently.
Refunds
You can refund a fan yourself for media, tips or subscriptions by going through Fansly support. The money comes out of your wallet or pending balance, and the fan loses access to what they bought.
Fansly can also refund fans itself. Its help centre lists three situations:
- Custom content isn't delivered within 2 weeks, or within the time you agreed.
- The creator has been inactive for 6 months or more.
- The offer wasn't clear.
In those cases, Fansly adjusts your earnings. The good news is that all three triggers are in your hands: deliver on time, stay active and describe offers clearly.
Chargebacks
Fansly's creator security FAQ says "Fansly shields creators from chargebacks in most cases". There are exceptions. Fansly may deduct chargebacks when they're unusually high or when the creator is at fault. Approved refunds to subscribers you've blocked are also deducted from your earnings.
| Refund | Chargeback | |
|---|---|---|
| Comes out of your earnings? | Yes, from your wallet or pending balance | Not in most cases |
| When you pay | Once a refund is approved | Unusually high chargebacks, or you're at fault |
Other charges against your balance
- Your own purchases. If your Spending Wallet runs short, Fansly pays for your own purchases from your Earnings Wallet. Only earnings can be withdrawn.
- The inactive charge. Fansly lists a $5 monthly charge on accounts inactive for 12 consecutive months. Fansly doesn't say how it applies to earnings, so withdraw what you can before a long break.
Does Fansly take taxes out of creator payouts?
No. As of October 2026, Fansly doesn't withhold taxes from creator payments, so your 80% arrives before tax. Set money aside from your first payout.
US creators get one consolidated Form 1099-NEC per taxpayer ID. Fansly's page, last updated in December 2025, says this applies once you earn over $600 in a year. The IRS threshold is now $2,000 for payments made after 2025, indexed for inflation from 2027. Fansly's page hasn't caught up with that change.
There's one open question. Fansly's tax guide says the 1099-NEC reports "total gross earnings through payment card and third-party network transactions". It doesn't make clear whether that means what fans paid or your 80% share. Ask your accountant how to reconcile it with your Statistics page.
Outside the US, Fansly reports earnings under OECD platform reporting rules and names Canada's CRA. The tax guide also says EU creators fall under DAC7, the EU's platform reporting rules. Fansly's non-US tax page doesn't cover VAT or GST. This is general information only, so check your situation with an accountant where you live.
Is Fansly's cut lower than OnlyFans'?
Probably not. OnlyFans' cut is widely reported to be 20% as well, but this guide doesn't verify OnlyFans' own terms. Our Fansly vs OnlyFans comparison covers the differences that matter more, such as discovery and subscription tiers.
Fansly's own rate also looks stable. A 2021 Mel Magazine feature reported the same 20% cut, and we found no sign of a change since. Fansly doesn't publish a fee history, though. If you see claims of a new rate, re-check the getting-started guide.
What if you track fees across several creators?
Once you run more than one account, the Gross vs Earnings check gets tedious. Doing it by hand across five or ten Statistics pages doesn't scale. Note too that Fansly's Management Sessions always keep payouts restricted, so team access can't request payouts for a creator.
Our Fansly API reads earnings data from the creator accounts you connect. These are the endpoints that matter for fees:
- Get Earnings Stats returns
totalGrossandtotalNetper revenue type code. The docs example shows 5000 gross next to 4000 net, and 10000 next to 8000. That's the same 80% ratio. - List Wallet Transactions returns each transaction's
amount,destinationTaxandnewBalance. - Get Pending Earnings follows the 7-day pending window, and List Payout Requests tracks what's been requested.
- List Monthly Earnings and List Wallets cover monthly totals and wallet balances.
- Get Tracking Link Revenue Stats and Get Top Supporter Breakdown show which promos and fans drive revenue.
- Webhooks such as
fansly.payouts.updated,fansly.tips.receivedandfansly.media.purchasedreport events as they happen.
Read the numbers carefully. The docs don't state units for totalGross and totalNet, so don't assume cents. They also don't map type codes to the eight Statistics page names. Our webhook docs describe destinationTax as the platform cut. The List Wallet Transactions docs don't define it, so verify it against your own data. Webhook amounts, by contrast, are documented in thousandths of a dollar.
Our guide to tracking gross and net earnings across creators walks through a full dashboard. For your accountant, you can also export your transactions and payouts.
How to check your own Fansly cut
Run this check once a month:
- Open your Statistics page. Compare Gross with Earnings for the same period.
- Expect about 80%. For subscriptions, sold media, messages and tips, Earnings should sit near 80% of Gross before refunds.
- Check the refund rate. If Earnings looks low, refunds are the first place to look.
- Match your payout method to your volume. At 80%, $25 in fan spending covers a $20 minimum, and $125 covers $100.
- Set tax money aside. Fansly doesn't withhold it, and the IRS rules decide your 1099 threshold, not Fansly's page. Check the details with an accountant.
Fansly's 20% is simple. Knowing exactly what it applies to, and what it doesn't, is what keeps your payouts predictable.