JustForFans vs OnlyFans Creator Fees Compared

On published fees, OnlyFans wins, because OnlyFans is the only one of the two that publishes a fee at all. OnlyFans takes a flat 20% of everything and says so. JustForFans names no creator rate anywhere in its terms of use, and the figures other reviews quote for it in 2026 range from 20% to 30%, a spread worth $3,600 a year to a creator selling $3,000 a month. On audience, JustForFans wins decisively for gay, queer and kink creators, and audience usually matters more than the rate.

We run a competing platform, so weigh that as you read. It is also the reason this comparison sticks to what each company writes down. On 9 September 2026 we read the full JustForFans terms of use and review, 31,197 characters, and searched it for every word a payout rate would sit beside. Commission: zero hits. Payout: zero. Minimum: zero. Withdraw: zero. Percent: zero. There is one percentage sign in the whole document, and it belongs to the referral program, which pays members 5% of the net subscription earnings of any model they recruit, for at least a year.

So the company has put in writing what it pays somebody for signing you up. It has not put in writing what it pays you.

JustForFans vs OnlyFans, side by side

What each platform actually costs you

OnlyFans is simple to model. Twenty percent of everything, payment processing included, no seller subscription, no listing fee. Fenix Internet LLC is the merchant of record, and the parent group’s FY2024 accounts back the rate up: $5.80 billion of $7.22 billion in gross sales went to creators, which is 80.3%. The published number and the audited number agree, which is rarer than it should be.

JustForFans cannot be modeled, and that is the whole problem. Here is what the uncertainty is worth.

A creator selling $3,000 a month cannot tell from JustForFans’ own documents whether her platform costs her $600 or $900 in a given month. That is not a rounding error, it is a salary’s worth of difference over a few years, and it is the single strongest argument for asking any platform for its rate in writing before your first payout clears.

The audience question, which usually decides it

Fees are the easiest thing to compare and rarely the thing that should decide. JustForFans has been the default subscription home for gay and queer male creators since 2018. It hosts the Tom of Finland presence, runs a charitable giving program, and carries fetish and kink audiences that broader platforms serve thinly. If those are your buyers, they are already on that site, and buyers who already exist beat a better percentage every single time.

OnlyFans has the opposite advantage: sheer scale. More fans arrive there by default, more people already have a payment method saved, and the brand is recognized well enough that you do not have to explain what it is. For most creators outside the queer and kink niches, that reach is worth more than any fee difference on the table.

The practical test is simple. Search both platforms for creators making content close to yours, and look at whether their subscriber counts and post engagement suggest paying fans or passing traffic. Go where the buyers are, then argue about the rate.

Refunds and chargebacks work differently, and it matters

JustForFans states its refund position in five words: it does not offer refunds. Unhappy subscribers are told to contact the creator instead. OnlyFans treats purchases as final by default and keeps refund decisions for itself, so you have no say either way.

Neither policy stops a card dispute, which is the part creators underestimate. A fan who cannot get a refund from the site can still call their bank, and a chargeback costs you the sale plus, usually, a fee. One of the JustForFans reviews on the first page of its Trustpilot profile, left in July 2026, is titled word for word: Scammers will get your video and then do chargeback. That risk is highest on one-off custom work, where a fan pays a large amount for a single delivery, which is exactly why we hold custom-request money in escrow and release it on delivery rather than leaving either side exposed.

The exit clause nobody reads until they need it

The JustForFans terms include a line worth knowing before you build a business there: you may not remove all or most of your content while you still have subscribers, because emptying a library people paid for leads to chargebacks. The reasoning is fair. The effect is that your ability to walk away with your own work is limited while anyone is still subscribed.

OnlyFans lets you delete content freely, though it gives you no control over refunds in exchange. Fansly, the third platform most creators weigh alongside these two, charges $5 a month out of your earnings after twelve months of inactivity. Every platform has one of these clauses. Find yours before you need it.

Trust signals, measured rather than asserted

JustForFans holds a 2.0 out of 5 on Trustpilot across 23 reviews, and the profile has never been claimed, so nobody at the company has replied to any of them. Of the twenty reviews on the first page, seventeen are one star and three are four or five stars, with nothing in the middle.

Twenty-three reviews is a thin sample and we will not oversell it. The pattern is worth noting anyway, because we have now read more than 6,300 creator-platform reviews across six sites and the two and three star middle never rises above 15.6% anywhere. People get paid and are delighted or lose money and are furious. What separates the platforms is whether anyone from the company replies. Fanvue answers 77.9% of its negative reviews. JustForFans has answered none.

Both platforms leave your taxes to you

Neither withholds anything. Earnings from either are self-employment income for a US creator, so you owe federal income tax plus 15.3% self-employment tax on net earnings above $400, and you deduct the platform’s cut, equipment, a home office at $5 per square foot up to 300 square feet, and mileage at 72.5 cents. For tax year 2026 the 1099-NEC threshold rose to $2,000 and the 1099-K threshold went back to more than $20,000 and more than 200 transactions, so plenty of working creators will receive no form at all and owe the tax regardless.

If you end up running both platforms, which many creators do, the bookkeeping gets annoying fast: two payout schedules, two dashboards, two sets of fees to reconcile before you know what you actually made. Pulling every payout into one place where the numbers add themselves up is worth the twenty minutes it takes to set up, especially in a year where no 1099 arrives and your own records are the only records.

So which should you pick?

Pick JustForFans if your audience is gay, queer or kink. That is a real, concentrated buyer base and no fee argument outweighs it. Ask for the rate in writing before your first payout, keep your own record of every sale, and read the content-removal clause before you make it your only platform.

Pick OnlyFans if you want the largest buyer base and a fee you can actually plan around. Twenty percent is not cheap, but it is knowable, and knowable beats cheap when you are forecasting a business.

And if you are a woman creator selling subscriptions, pay-per-view and customs, an unpublished rate is worth questioning rather than accepting, and the alternatives to JustForFans and what each platform pays creators are set out in full. HerFans charges a flat 20%, published, which at $5,000 a month leaves you $4,000 on content you were making anyway. Whichever way you go, the rule that survives every platform change is the same: publish nothing you cannot remove, keep an audience list you own, and never accept a rate you cannot cite.