01
What you'd keep each month
Say fans pay you the amount on the left in a month. OnlyFans' fee is "20% of the total User Payment", and Fanfix keeps "the remaining 20% of every transaction". Instagram says Apple and Google "deduct 30% of all in-app purchases". None of them charges a monthly fee.
Hotly Hosted Plus counts its monthly price: you keep 90% for $9.99 a month. Hosted is in the card above. We make Hotly, so weigh that. Every other platform's numbers are from its own terms, read on 9 Nov 2026.
| Fans pay you | OnlyFans | Fanfix | Instagram Subscriptions | Hotly Hosted Plus |
|---|
| $100 | $80 | $80 | $70 | $80 |
|---|
| $500 | $400 | $400 | $350 | $440 |
|---|
| $2,000 | $1,600 | $1,600 | $1,400 | $1,790 |
|---|
| $5,000 | $4,000 | $4,000 | $3,500 | $4,490 |
|---|
OnlyFans, Fanfix and Instagram details checked November 2026: OnlyFans terms of use, OnlyFans contract between fan and creator, Fanfix creator terms, Fanfix payment terms, Instagram Subscriptions pricing, Instagram Subscriptions eligibility, Passes Creators+ plan, Passes payouts. Terms change - check them before you decide.
02
What OnlyFans' 20% covers
Every kind of fan payment. OnlyFans' fee applies to every "Creator Interaction", which its terms define as "a Subscription", "a payment for pay-per-view Content" and "any other interaction or payment between a User and a Creator's account or Content, including direct messages". The fee "will be deducted from each User Payment".
You set the prices. 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".
There's no monthly fee. OnlyFans' terms list none, so a month with no sales costs you nothing.
03
What fans pay on top
Tax. OnlyFans' payments "are exclusive of Tax, which shall be added at the current rate as applicable". So a fan paying your $10 price may be charged more, depending on where they live.
Currency. Prices are charged in US dollars, and prices shown in a fan's local currency "may include currency conversion fees and processing costs".
No refunds on subscriptions. Fans agree that "all Subscriptions are non-refundable".
04
What else can come off your share
Refunds and chargebacks. If a fan is refunded or wins a chargeback, OnlyFans "may deduct an amount equal to the Creator Earnings portion" of it from you.
Currency conversion on payouts. If your payout needs converting, "the final amount will include currency conversion fees". Your own bank may also charge for international transfers.
A minimum before you can cash out. Your balance must meet "the minimum payout amount requirement". The terms don't say how much it is, so check your payout settings.
Withheld or forfeited earnings. OnlyFans can withhold earnings "for as long as is necessary to review the relevant facts" if it thinks you've broken its terms or suspects fraud, and treat them as "forfeited" if the review goes against you. You have six months to dispute.
05
What safe-for-work platforms let you keep
Fanfix keeps 20% too, across memberships, messages and locked content, and adds 13% to fans' credit card payments. It also sets your minimum prices. More in Fanfix vs OnlyFans.
Instagram Subscriptions leaves you about 70%. Instagram says "Google and Apple deduct 30% of all in-app purchases in fees" and that it takes none itself. You need at least 10,000 followers to offer it.
Passes keeps 20% on Creators+, the plan every creator starts on, after processing fees come off, and charges 6.5% or 10% for faster payouts. More in Passes vs OnlyFans.
For the full list, with who each one suits, see SFW OnlyFans alternatives.
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 isn't built to sell posts, so it sits next to a subscription platform rather than replacing it.
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 OnlyFans. Hosted ($5.99 a month plus 20%) keeps $5.99 less than OnlyFans at any amount, so on fees alone it doesn't beat it.
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, and fans pay your price with nothing added. 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 OnlyFans wins. No monthly fee, so a quiet month costs nothing, and it sells subscriptions and pay-per-view posts, which Hotly doesn't. Hotly gives you 30 days free to compare.