✓Quick Takeaways
- OnlyFans takes 20% of all earnings — you keep 80%
- Minimum payout threshold is $20 USD
- Payment methods include direct deposit, e-wallets, and international options
- Payouts process within 1-5 business days
- Tax reporting is your responsibility as a creator
You're making money on OnlyFans — but how do you actually get paid? Understanding OnlyFans' payout system is essential for managing your creator income. In this guide, we'll cover everything about OnlyFans payments in 2025: fee structure, available payment methods, processing times, and tips for maximizing what you take home.
OnlyFans Fee Structure: What You Actually Keep
Before diving into payouts, let's clarify OnlyFans' fee structure:
80/20 split
OnlyFans takes 20% of all earnings. You keep 80%. This applies to subscriptions, tips, PPV, and custom content.
No hidden fees
The 20% is all-inclusive. No additional platform fees, transaction fees, or processing charges from OnlyFans.
Example calculation
If you earn $1,000 gross: OnlyFans takes $200, you receive $800. Simple.
Payment processor fees
Note: Your bank or payment provider may charge their own fees when you withdraw. These are separate from OnlyFans.
The 80/20 split is standard in the industry. Many platforms take 30-50%. OnlyFans' rate is relatively creator-friendly.
Available Payment Methods in 2025
OnlyFans offers several payout options depending on your location:
Direct bank transfer (ACH)
Available in US, UK, EU, and many other countries. Funds go directly to your bank account. Most popular option.
Paxum
E-wallet option popular with international creators. Lower fees than some banks for currency conversion.
COSMO Payment
Another e-wallet alternative. Good for creators whose banks don't support adult industry payments.
International wire transfer
Available for countries without direct deposit options. Higher fees and longer processing times.
Payout Schedule & Processing Times
Here's when and how you'll receive your OnlyFans earnings:
Minimum payout: $20
You can't withdraw until you've earned at least $20 in your balance.
Payout requests
You can request payouts manually at any time, or set up automatic payouts on a schedule.
Processing time: 1-5 business days
Once requested, payouts typically arrive within 1-5 business days depending on your payment method and location.
7-day pending period
New earnings have a 7-day pending period before they become available for withdrawal. This protects against chargebacks.
Set up automatic weekly payouts to maintain consistent cash flow. Waiting for large sums to accumulate adds unnecessary delay.
Setting Up Your Payout Method
Follow these steps to configure your OnlyFans payouts:
Go to Settings > Banking
Navigate to your account settings and find the Banking/Payout section.
Complete verification
If you haven't already, you'll need to complete ID verification before adding payout methods.
Add your payment details
Enter your bank account information, e-wallet details, or other payout method.
Set payout preferences
Choose manual requests or automatic payouts. If automatic, select frequency (daily, weekly, monthly).
Verify with small test payout
OnlyFans may send a small test payment to verify your account. Watch for it and confirm receipt.
Tax Considerations for OnlyFans Creators
OnlyFans income is taxable. Here's what you need to know:
Self-employment income
OnlyFans earnings are self-employment income in most countries. You're responsible for reporting and paying taxes.
1099 forms (US)
If you earn over $600/year, OnlyFans will send you a 1099-NEC form for tax filing.
Keep records
Track all income and business expenses. OnlyFans provides earning reports you can use for tax purposes.
Quarterly estimated taxes
If you're earning significant income, you may need to pay quarterly estimated taxes to avoid penalties.
Consult a professional
Tax laws vary by country and situation. Consult a tax professional familiar with creator income.
Don't ignore taxes. Set aside 25-30% of your earnings for tax obligations. Getting behind on taxes creates serious problems.
Maximizing Your Take-Home Pay
Here's how to keep more of what you earn:
Choose the right payout method
Compare fees across different payout options. Bank transfers typically have lower fees than e-wallets for large amounts.
Minimize currency conversion
If possible, receive payments in your local currency to avoid conversion fees.
Track business expenses
Equipment, costumes, software, and home office costs may be tax-deductible. Save receipts.
Consider business structure
For high earners, an LLC or corporation may provide tax advantages. Consult a professional.
Grow your earnings
The best way to maximize take-home is to maximize gross earnings. Better promotion, pricing, and engagement drive higher income. See our earnings breakdown at /blog/how-much-can-you-make-on-onlyfans-2025.
Mistakes to Avoid
✕ Ignoring the 7-day pending period
New earnings aren't immediately available. Plan your cash flow around the pending period.
✕ Using banks that block adult payments
Some banks refuse adult industry payments. Research your bank's policies or use a creator-friendly alternative.
✕ Forgetting about taxes
OnlyFans doesn't withhold taxes. Set aside money for tax obligations or face penalties.
✕ Not keeping records
Track every earning and expense. You'll need this for taxes and financial planning.
Frequently Asked Questions
Summary
Understanding OnlyFans payouts helps you manage your creator income effectively. You keep 80% of earnings, can withdraw via bank transfer or e-wallet, and should expect 1-5 day processing times. Remember the 7-day pending period for new earnings, and don't forget to set aside money for taxes. The key to maximizing take-home pay is growing your gross earnings through better promotion, pricing, and engagement.
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