01
The rules side by side
Here's what each platform's own pages say, read on 9 Nov 2026. Fanfix's rules come from its FAQ, its terms of service (updated 20 Aug 2026), its content guidelines (1 Jul 2026) and its creator terms (1 Aug 2026). OnlyFans' come from its terms of use (updated October 2026).
On Hotly, which we run, notes are text: fans can't send images or files. We make Hotly, so weigh that. Every other platform's details are from its own terms.
| What the rules cover | Fanfix | OnlyFans |
|---|
| What you can post | Safe for work only. Its terms ban nudity (section 3.1) | Allowed. Its terms say some content "contains adult material" |
|---|
| Age | 18+ for creators and fans. Age and ID checks through Persona | 18+. Creators upload ID and two photos of themselves |
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| Getting in | Invite-only. Every application is reviewed, and you need active social media handles | Apply with ID, a bank account and tax details. OnlyFans "may reject an account application for any reason" |
|---|
| Who sets your prices | Fanfix sets membership prices and the minimum for each message and piece of locked content | You do. Its terms say creators are "solely responsible" for their pricing |
|---|
| What the platform keeps | 20% of every transaction | 20% of each payment |
|---|
| What fans pay on top | 13% on credit cards | Tax, where it applies |
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| Promoting other platforms | Not from your Fanfix account. Patreon, Passes and OnlyFans are named | No such clause in its terms of use |
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| AI content | AI characters are allowed if labeled. A chatbot's first message must say it's a virtual assistant | Only if it "clearly features the verified Creator" and is labeled, such as #ai |
|---|
| Help running your account | Allowed. "Creator" includes agents you hire to help run it | Allowed. You stay legally responsible for it |
|---|
Fanfix and OnlyFans details checked November 2026: Fanfix FAQ, Fanfix terms of service, Fanfix content guidelines, Fanfix creator terms, Fanfix payment terms, OnlyFans terms of use. Terms change - check them before you decide.
02
What "safe for work" means on Fanfix
The FAQ is plain about it. "Fanfix is a strictly safe-for-work (SFW) platform," it says, built for "a brand-friendly environment." It lists what creators post instead: behind-the-scenes content, exclusive photos and videos, early drops, personal updates, Q&As and creative projects.
The terms draw the line. Section 3.1 of Fanfix's terms of service is headed "No Nudity or other Prohibited Content", and it spells out what counts, including edited images that put someone's face on another body. Its content guidelines also rule out offering sexual services.
There's a grey area for mature content. The same terms and the July 2026 guidelines describe content for mature audiences that has to pass age checks and carry labels before it's posted. Our reading: Fanfix leaves room for labeled, age-checked mature content, but not the nudity its terms list. If you're unsure about a post, Fanfix's FAQ says to ask its support team.
Breaking the rules costs money. Fanfix's creator terms let it withhold, deduct or recover your earnings if you breach its guidelines (section 3.4).
03
What OnlyFans allows
Adult content is allowed, not required. OnlyFans' terms say "some Content on OnlyFans contains adult material", and every user agrees to that when they join. Not every creator there posts it, though it's what OnlyFans is best known for.
AI content has to be you. OnlyFans allows content made or edited with AI only if it "clearly features the verified Creator" and is labeled with something like #ai or #AIGenerated. Fanfix goes further: its guidelines allow whole AI characters run by agencies, if they're labeled.
Subscriptions can be free. Its terms ask creators to set "a monthly subscription price, if any", so a free page is an option.
04
Getting in: an invite or an ID check
Fanfix is invite-only. Its Partnerships team reviews every application, whether you were referred or applied yourself, and "applications submitted without verified social profiles will not be reviewed." Its creator terms add age and identity checks through a company called Persona, and say approval is at Fanfix's "sole discretion."
OnlyFans checks who you are. To open a creator account you upload a valid ID and two photos of yourself, add a bank account and a payout method, and give your tax details. There's no invite step in its terms, though it "may reject an account application for any reason."
05
Who sets your prices
On Fanfix, Fanfix does. It has "the sole discretion to set the fees for all Memberships" (creator terms, section 2.2), and it 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" for what fans buy.
Both keep the same share. Fanfix keeps "the remaining 20% of every transaction", and OnlyFans' fee is "20% of the total User Payment". The difference is on the fan's side: Fanfix adds 13% to credit card payments, and OnlyFans adds tax where it applies. Our guide to Fanfix fees has the full numbers.
06
Using another platform next to Fanfix
Fanfix bars promoting rivals from your Fanfix account. Its creator terms say you may not use your Fanfix account to promote "Competitive Platforms", and they name Patreon, Passes and OnlyFans (section 2.5). Fanfix can hold back that month's earnings if you do (section 3.1c).
The rule covers your Fanfix account. Our reading of section 2.5 is that it doesn't stop you having an account elsewhere. It stops you promoting one from Fanfix. Read the section yourself before you post about another platform there.
07
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. There's no invite step: pick a plan and your page can be live the same day, with 30 days free. Fans usually pay $5–$20 weekly, and you set the price, from $1.
Fans pay your price, nothing on top. On Hosted you pay $5.99 a month and keep 80% of what fans pay. On Hosted Plus you pay $9.99 a month and keep 90%. That covers 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%. Your share is paid out once a month through Stripe to your bank, with no payout fee, from $1.
Where the others win. Fanfix and OnlyFans charge no monthly fee, so a quiet month costs you nothing there, while Hotly's plan still costs $5.99 after the trial. Fanfix also has a large creator network and, per its FAQ, weekly payouts.
You don't have to pick one. Keep your posts where they are, and give paid conversations their own link in your Instagram or TikTok bio.