01
Three platforms and Hotly, side by side
Here's what each one's own pages say, read on 9 Nov 2026: Fanfix's terms and FAQ, Passes' guidelines and help center, Instagram's help center and Meta's Community Standards, and Hotly's own pricing.
We make Hotly, so weigh that. Every other platform's details are from its own pages.
| Platform | Nudity | Getting in | What you keep | What fans pay on top |
|---|
| Fanfix | Banned in its terms | Invite-only, reviewed | 80% | 13% on credit cards |
|---|
| Passes | Banned in its guidelines | Application and review | Up to 80%, after processing | A checkout fee may be added |
|---|
| Instagram Subscriptions | Restricted by Meta's rules | 10,000 followers, 18+ | About 70% | Nothing stated |
|---|
| Hotly | Notes are text. Fans can't send images or files | No application | 80% on Hosted, 90% on Hosted Plus, after the monthly price | Nothing |
|---|
Fanfix, Passes, Instagram and Meta details checked November 2026: OnlyFans terms of use, Fanfix FAQ, Fanfix terms of service, Fanfix creator terms, Fanfix payment terms, Passes community guidelines, Passes terms, Passes Creators+ plan, What is Passes, Passes fan payments, Passes payouts, Instagram Subscriptions eligibility, Instagram Subscriptions pricing, Meta Community Standards: adult nudity. Terms change - check them before you decide.
02
What "alternative" means here
OnlyFans allows adult content. Its terms say "some Content on OnlyFans contains adult material". If you don't post it, a platform whose own rules ban nudity may suit your brand better, and your fans may be more comfortable paying there.
Every option here sets rules for a wide audience. Fanfix calls itself "a strictly safe-for-work (SFW) platform". Passes calls itself "a PG-13 platform that hosts minors". Meta says it restricts nudity "because some people in our community may be sensitive to this type of content".
The fee isn't the only difference. Who sets your prices, how you get in and what fans pay on top all change what you keep and who signs up.
03
Fanfix: invite-only, built for memberships
What it is. A subscription platform for exclusive posts, with paid messages and locked content. Its FAQ calls it "strictly safe-for-work", and its terms ban nudity.
What it costs. Fanfix keeps "the remaining 20% of every transaction", and adds 13% to fans' credit card payments. It sets membership prices and the minimum for messages and locked content.
Pick it if memberships are most of what you sell, you want weekly payouts (its FAQ says it pays every week), and you're happy for Fanfix to set your prices. You'll need an invite or an approved application with active social handles. Our guides to Fanfix fees and what Fanfix allows go deeper.
04
Passes: the most tools, a younger audience
What it is. Subscriptions, messages, locked content, livestreams, merch and 1:1 fan calls in one place. Its guidelines ban nudity, and fans as young as 13 can join with a parent's or guardian's authorization.
What it costs. Passes "takes a 20% cut of your earnings on Creators+", the plan every creator starts on, after processing fees come off. A checkout fee "may be added" for fans. Payouts start at $50, and you can pay 6.5% or 10% to be paid faster.
Pick it if you want many ways to sell in one app and fast payouts are worth a fee to you. Know the funneling rule first: Passes bars sending fans to OnlyFans or similar platforms, except through a link-in-bio page. More in Passes vs OnlyFans.
05
Instagram Subscriptions: stay in the app you have
What it is. Fans pay you monthly inside Instagram for subscriber-only content. Meta's Community Standards apply, and they restrict nudity.
What it costs. Instagram says "Google and Apple deduct 30% of all in-app purchases in fees" and that it "currently receives no portion", so plan on keeping about 70%. You set the price, and fans keep the price they signed up at if you change it.
Pick it if you already have at least 10,000 followers on a professional account, you're 18 or older, and you're in one of the countries Instagram lists. Your fans never leave the app. More in how to charge for DMs on Instagram.
06
Hotly: when fans want to talk to you
What it is. 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. Notes are text, and fans can't send images or files. There's no application, and your page can be live the same day.
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.
Pick it if fans already DM you and you'd rather be paid to answer than post more. It isn't built to sell a library of posts, and its monthly price means a quiet month costs you something, which the other three don't. You get 30 days free to try it.
07
How to choose
If you sell posts to members, start with Fanfix or Passes. Fanfix if you want weekly payouts and an invite-only network, Passes if you want more ways to sell and will pay for faster payouts.
If you have 10,000 followers already, Instagram Subscriptions keeps everything in one app, at about 70%.
If fans mostly want to talk to you, give conversations their own link with Hotly, and keep posting wherever you post now.
You can use more than one. Just know each platform's rules on promoting the others: Fanfix bars promoting other platforms from your Fanfix account, and Passes allows a link-in-bio page only.