01
What you keep each month
Say fans pay you the amount on the left in a month. Fanfix's creator terms pay you 80% and keep "the remaining 20% of every transaction". OnlyFans' fee is "20% of the total User Payment". Neither lists a monthly fee.
Hotly's columns count the monthly price: you keep 80% on Hosted ($5.99 a month) and 90% on Hosted Plus ($9.99 a month). We run payouts ourselves: Hotly's go out once a month, from $1, with no payout fee. We make Hotly, so weigh that. Every other platform's numbers are from its own terms, read on 9 Nov 2026.
| Fans pay you | Fanfix | OnlyFans | Hotly Hosted | Hotly Hosted Plus |
|---|
| $100 | $80 | $80 | $74 | $80 |
|---|
| $500 | $400 | $400 | $394 | $440 |
|---|
| $2,000 | $1,600 | $1,600 | $1,594 | $1,790 |
|---|
| $5,000 | $4,000 | $4,000 | $3,994 | $4,490 |
|---|
Fanfix and OnlyFans details checked November 2026: Fanfix creator terms, Fanfix payment terms, Fanfix FAQ, OnlyFans terms of use. Terms change - check them before you decide.
02
What fans pay on top
Fanfix adds 13% to card payments. Its payment terms say "We impose a surcharge of 13% on all credit cards" (section 1.5). So if fans pay you $2,000 in a month, all by card, they're charged $2,260. Fanfix's creator terms add that some banks charge fans abroad a foreign transaction fee, "typically around 3.0%" (section 3.1d).
OnlyFans adds tax. Its terms say payments "are exclusive of Tax, which shall be added at the current rate as applicable". Prices shown in a fan's local currency "may include currency conversion fees and processing costs".
On Hotly, fans pay your price. There's no fee line on top, because Stripe's card fee comes out of Hotly's cut.
03
Who sets your prices
Fanfix sets them. It has "the sole discretion to set the fees for all Memberships" (creator terms, section 2.2) and sets the minimum price for each direct message and piece of locked content (sections 2.3 and 2.4). You can ask for a change, and Fanfix can say no.
On OnlyFans, you do. Its terms say creators are "solely responsible for determining any pricing", and a subscription can even be free: you set "a monthly subscription price, if any".
On Hotly, you do too, from $1. Fans usually pay $5–$20 weekly. For what each platform lets you post and who gets in, see Is Fanfix like OnlyFans?
04
When you get paid
Fanfix pays weekly, per its FAQ. "Monetized earnings are processed every Wednesday", and they're "typically deposited every Friday", with some countries taking 3 to 7 days longer. US and UK creators are paid through Stripe only. Fanfix's creator terms give a slower default: "approximately thirty (30) days after the end of the applicable calendar month", or another schedule it offers (section 3.1a).
OnlyFans pays once you reach its minimum. Its terms say earnings can be withdrawn "when reflected in your OnlyFans account" and once your balance meets "the minimum payout amount requirement". They don't say how much that is. You choose a payout method, payments are in US dollars, and a currency conversion comes with "currency conversion fees". Your own bank may charge for international transfers too.
Hotly pays once a month. Your share is paid out once a month through Stripe to your bank, with no payout fee, from $1. That's less often than Fanfix's weekly payouts.
05
When a platform can hold your earnings
Fanfix can hold, deduct or take back earnings. Its creator terms let it "withhold, deduct, and/or recover all or part of any Creator Fees", paid out or not, if it thinks you've broken its terms, including by promoting another platform from your Fanfix account (section 3.4). Refunds can also push your balance below zero, and Fanfix can recover that.
OnlyFans can hold them during a review. Its terms say that "without warning or Notice and for as long as is necessary to review the relevant facts" it may withhold "any part of your Creator Earnings", for example if it thinks you've broken its terms or suspects fraud. If the review goes against you, earnings can be "forfeited". You have six months to dispute a decision. OnlyFans can also take back your share of any payment a fan gets refunded or charged back.
Read these before you join. Both clauses are wide, and both platforms decide when they apply.
06
Where Hotly fits
Hotly is premium conversations. Fans pay your price to write to you, one note at a time or every week, and you reply when it suits you. It's built for conversations, not for selling a library of posts.
Hosted Plus keeps more above about $100 a month. At $9.99 a month plus 10%, it keeps more than a flat 20% once fans pay you $99.90 a month. At $2,000 you'd keep $1,790, against $1,600 on Fanfix or OnlyFans. Hosted ($5.99 a month plus 20%) keeps $5.99 less than either at any amount, so on fees alone it doesn't beat them.
What the fee covers. You keep 80% on Hosted and 90% on Hosted Plus. The monthly price and commission cover Stripe's card fees, hosting and upkeep, so nothing else comes out of your share. The commission halves for every 5 creators you invite who join and pay, down to 5%.
Where Fanfix and OnlyFans win. Neither charges a monthly fee, so a quiet month costs you nothing there, while Hotly's plan still costs after the 30 days free. Fanfix pays more often. And both are built to sell subscriptions to your posts, which Hotly isn't.
You can run both. Keep posts where they are and give paid conversations their own link. On Fanfix, share it from Instagram or TikTok, not your Fanfix account, since its creator terms bar promoting other platforms there (section 2.5).