Payment Platforms

OnlyFans Payment Processor And Other Options

Man holding a payment card to use with onlyfans payment processing

December 02, 2025

OnlyFans currently uses Stripe as their payment processor. The aggregate merchant account provider makes special exceptions for the high-volume adult content provider. In the past, card companies like Visa and Mastercard have cracked down on the industry. These changes almost caused OnlyFans to drop their adult content altogether.

Why OnlyFans Struggles With Payment Processing

Like most adult content streaming companies, their products and content providers are hard to regulate. OnlyFans currently has around 1.5 million creators and over 170 million registered subscribers. With numbers like these, it takes a great deal of internal resources to monitor, and correct illicit behavior.

Chargebacks On Adult Sites

The chargeback rates for adult content are historically very high for reasons that seem quite common. Some customers make clandestine transactions and later realize the charge shows up on their credit card statement. To delete the transaction altogether they file for a chargeback which ends up as a relinquished payment.

Additionally, chargebacks occur as a result of a subscription billing model . This type of payment is billed automatically over time, usually weekly or monthly. As such, customers often forget about the payment when it’s left on autopilot. When they see it later on their statement they cancel and in many cases dispute the charge if the merchant doesn’t offer a refund .

Payment Processing For Your Adult Site

There are many options when it comes to accepting credit card payments online. If you’re a startup or an established business, you’ll want to find a high risk processor that works with adult online sites . Zen Payments for example, has a history of onboarding multiple types of adult, pornogrpahic, and mature content.

OnlyFans is a unique case which doesn’t apply to smaller sites so Stripe will most likely not be your best choice. One reason they allow OnlyFans to process is because of their size. Currently, the company is valued at around one billion dollars. They leverage their transaction volume to get lower rates and bend the standards. In short, money makes a difference when it comes to fees and regulations.

Three onlyfans creators in front of a phone camera

Payment Processing For Streaming Sites

After the rise in popularity of personal streaming platforms, many similar sites began arising. The model presents an excellent opportunity because each content provider supplies their own videos while the host takes a portion of the payments to run the website. In theory, this seems like a good idea for easy growth.

The issue from a payment processing standpoint is that technically, each one of the streamers represents their own micro-business. As a result, banking underwriting stipulations for certain processors require each of those individuals to have their own merchant account. At that point, the business model is unviable.

How To Establish An Adult High Risk Merchant Account

Certain payment processors create custom accounts specifically in the adult space . These companies are equipped with customer service representatives that help businesses update their website or make changes to their content in order to qualify for payment processing.

The rates for an adult merchant account are often higher, but it’s the cost of doing business. High risk means the bank is taking a gamble, and being the risk averse industry they are, they’ll charge the difference in payment processing. Luckily, the fees are only around 5%, and the good news is they can get you up and running almost instantly in some cases.

Get Started With
Zen Payments

Our merchant service specialists are the best in
the business and will work with you from start to
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Taylor Stika

Taylor Stika is the CEO and Founder of Zen Payments. With a background in the payment processing industry starting in 2015, Taylor has extensive experience in managing and optimizing payment systems. Under his leadership, Zen Payments has grown and developed into a reputable provider of high and low-risk payment.

Frequently Asked Questions

OnlyFans supports several payment methods, including payment cards (credit and debit cards), such as Visa Debit, Discover Card, and Maestro. In some regions, creators may also receive funds via bank account transfers or wire transfer. PayKings is an affordably priced payment processor compatible with onlyFans and other similar sites.

OnlyFans uses a Stripe payment system and payment gateway built to handle high-risk digital content transactions. This infrastructure manages recurring billing, verification, and payout flows to creators’ bank accounts. This is an exception to Stripes’ usual aversion to providing payment processing for adult content businesses. Content creators can choose to use other payment processors though including fantastic payment processors such as PayKings.

Yes, using PayKings, creators can choose to withdraw revenue to their bank account or request a wire transfer. For international creators, international wire transfers are available, though fees and exchange rates may apply depending on currency conversion.

Payment information is stored securely, but due to fraud prevention and regulatory compliance, OnlyFans typically requires verified payment cards or bank accounts. While your email address and payment data are protected, using truly anonymous payment methods like cash are not supported in their default payment system or with PayKings.

Yes, while OnlyFans basic payment processing does not officially support gift card payments for subscriptions or content purchases, PayKings can allow your customers the option to pay with gift cards.

For international users, OnlyFans allows payments via supported card networks. Creators outside certain regions may receive payouts through international wire transfers, where exchange rate differences and bank fees could affect net revenue.

OnlyFans payment processors such as PayKings use secure encryption protocols to safeguard payment data. Our payment gateway enforces strong fraud prevention measures, verifies card ownership and tracks suspicious activity. This protects both creators and subscribers.

Yes users can pay with debit and credit cards like Visa Debit, Maestro, or Discover Card.

OnlyFans takes a cut of creators’ earnings as part of its payment processing model. These funds are processed through the platform’s payment system, enabling creators to create content and monetize a subscription business model while OnlyFans covers the costs of payment management and compliance.

To continue as a creator on OnlyFans, creators can utilize OnlyFans built in payment processing or the services of another payment processor such as PayKings. you must provide information like your email address, bank account details, and verify your identity. Once onboarded, you can monetize your content, enable subscriptions, and receive payouts via bank transfer or wire — all managed securely.

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