Passes vs OnlyFans for creators: rules and fees

Here's what each platform's own pages say, read on 9 Nov 2026. Passes' come from its terms of service (effective 19 Feb 2025), its community guidelines (19 Feb 2025) and its help center. OnlyFans' come from its terms of use (updated October 2026).

We make Hotly, so weigh that. Every platform's details here are from its own pages.

Passes and OnlyFans details checked November 2026: Passes community guidelines, Passes terms, Passes Creators+ plan, Passes payouts, Passes fan payments, Passes creator signup, Passes referral program, Passes Starter rate (Dec 2023), OnlyFans terms of use. Terms change - check them before you decide.

Passes is a no-nudity platform. Its community guidelines ban "explicit adult content" and nudity, and that holds for art: Passes accepts that not all nudity is the same, "but we are unable to support any such explicit Content." Its guidelines also rule out selling lingerie and other "inherently sexual items".

Passes has teenage fans. Its terms let 13 to 17 year olds use Passes as fans with a parent's or guardian's authorization. Creators must be 18 or older. That's why its guidelines call it "a PG-13 platform that hosts minors".

OnlyFans allows it. Its terms say "some Content on OnlyFans contains adult material", and every user must be 18 or older. For how Fanfix compares on the same rules, see Is Fanfix like OnlyFans?

Passes calls it funneling, and bans it. Its guidelines define funneling as promotion on your Passes page meant to send fans to adult platforms, and they name OnlyFans first. Posts, captions, chats and messages all count.

One link is allowed. "The only appropriate space" for a link to those platforms is a link-in-bio page, "a LinkTree, Beacons, or other link aggregator", listed in your Passes bio. A direct link in your bio or captions isn't.

OnlyFans' terms of use have no such clause. We couldn't find one limiting links to other platforms.

Both keep 20%, on paper. Passes' help center says it "takes a 20% cut of your earnings on Creators+", and "all creators start on Creators+ by default". OnlyFans' fee is "20% of the total User Payment".

Passes takes processing first. Its creator terms pay you a share of Passes' "Net Consideration": what it received "less any fees, taxes, and third-party expenses", including "payment or transaction processing fees". Passes doesn't publish those, so on Passes you keep up to 80%.

Passes has a cheaper plan you opt into. Its Starter plan was 10% plus 30 cents a sale when Passes announced it in December 2023, and that post is the only place Passes states the rate. You move to Starter by downgrading, and you can't go back to Creators+ for 30 days.

Referrals. Passes pays you "50% of Passes' share" of a creator you refer, for their first 3 months. OnlyFans has a referral program with its own terms.

On Passes, a checkout fee and tax. Its help center says "a transaction fee may be added at checkout", shown before the fan pays, and sales tax may apply. Some one-time purchases, like messages, can be paid with PayPal.

On OnlyFans, tax. Payments "are exclusive of Tax, which shall be added at the current rate as applicable", and local-currency prices "may include currency conversion fees and processing costs".

Passes pays from $50, faster for a fee. You need "at least $50 in eligible earnings" to cash out, to a bank or PayPal. You can schedule payouts every 1 to 4 weeks. A standard payout is free and takes 2 to 5 business days; next business day costs 6.5% and instant costs 10%. PayPal payouts "are irreversible once sent". Passes' creator terms set a default of every two weeks.

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", without saying how much. Payments are in US dollars, with currency conversion fees if your bank account isn't.

Passes can hold unpaid earnings while it investigates. Its creator terms let it withhold earnings not yet paid out if it "reasonably" believes you've broken its terms, suspects fraud or infringement, or gets complaints that you don't deliver what fans paid for, "for as long as is necessary for us to investigate".

OnlyFans can hold them during a review, and keep them. It can withhold earnings "without warning or Notice and for as long as is necessary to review the relevant facts", and treat them as "forfeited" if the review goes against you. You have six months to dispute.

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 Passes or OnlyFans rather than replacing either.

What it costs. 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, 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 Passes and OnlyFans win. Neither charges a monthly fee, and Passes will pay you the same day if you're willing to pay for it. Hotly can't pay you the same day.