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Updated 16:09 (GMT) Feb 12, 2025 
9 min 
In this blog let’s take a look on OnlyFans Earnings and Payout Methods: how to check OnlyFans current and pending balance, OnlyFans chargebacks and bank statements, learn how to withdraw from OnlyFans and also explore all available payment providers which are Skrill, Paxum, Cosmo Payments and Local Bank Transfers.
What are OnlyFans Earnings?
As a content creator on OnlyFans, your earnings come from various revenue streams such as subscriptions, tips, pay-per-view (PPV) content, and other monetization features. Understanding how your earnings are categorized into current and pending balances is crucial for tracking and managing your income. Here’s a detailed explanation of OnlyFans earnings and how to check these balances.
On OnlyFans, creators earn money through:
- Subscriptions: Fans pay a monthly fee to access exclusive content.
- Tips: Fans can tip creators for their content or engagement.
- Pay-Per-View (PPV): Creators can send locked content that fans must pay to view.
How to access to your OnlyFans Earnings?
To access OnlyFans Earnings click on your avatar or on the “More” button and select “Statements” in the dropdown menu.
What is OnlyFans Current and Pending Balance?
Pending Balance
The Pending Balance consists of money you’ve earned that is not yet available for withdrawal. This is a temporary status for your earnings while OnlyFans processes them. The pending period exists to allow time for potential chargebacks, refunds, or other issues to be resolved. Moreover, the pending balance typically takes 7 days from the date of the transaction before the funds are moved to your current balance.
Key Points:
- Represents unprocessed earnings.
- Held for 7 days (or longer depending on certain factors).
- Not yet available for withdrawal.
Current Balance
The Current Balance is the amount of money that is fully cleared and available for withdrawal. After the holding period, earnings move from the Pending Balance to the Current Balance. Once the funds are in the Current Balance, you can initiate a withdrawal to your preferred payment method.
Key Points:
- Represents processed and available earnings.
- Can be withdrawn to your bank or e-wallet.
What are OnlyFans Chargebacks?
Chargebacks on OnlyFans can be a significant concern for creators, impacting their earnings and overall financial stability on the platform. Here’s a detailed overview of how chargebacks work on OnlyFans, their implications, and how creators can manage them effectively.
A chargeback occurs when a customer disputes a transaction with their bank or credit card issuer, leading to the reversal of the transaction. This can happen for various reasons, such as:
- Unauthorized Transactions: The customer claims they did not authorize the purchase.
- Fraudulent Activity: The customer suspects their account has been compromised.
- Dissatisfaction with Content: The customer feels the content did not meet expectations or was not delivered as promised.
- Technical Issues: Problems with the platform or access to content can lead to disputes.
How to Withdraw Money From OnlyFans?
To request payout on OnlyFans navigate to your statements and find “Request Withdrawal” button.
Enter the preferred amount and confirm your payout request.
By the default you have Manual payouts and you can withdraw any minimum amount of money allowed by your payment provider. However, you can also use OnlyFans weekly payouts or withdraw your earnings each month.
OnlyFans Payout Options
OnlyFans offers a variety of payout methods for creators around the world, allowing for flexibility in how they receive their earnings. Each method has its own advantages and fees, making it essential for creators to choose the best option based on their location and banking needs. Let’s take a look on each of them and compare.
Skrill
Skrill is a popular e-wallet service that allows creators to receive payments quickly. It is mentioned that money comes from 24-48 hours, but from my experience it took significantly less: 2-6 hours.It is widely accepted and offers a user-friendly interface for transferring money to a bank account or using it for online purchases. With Skrill you can anonymise your income, because you can keep it on your digital wallet and once you transfer money on your card, they will be received from Skrill and not from OnlyFans directly.
| Pros | Cons |
| Widely available globally(over 120 countries) | Currency conversion fees (3%-5%) |
| Fast processing times (24-48 hours) | 1% withdrawal fee to bank |
| Low transaction fees(approx. 1%) | Lengthy verification process |
| Multi-currency support(40+ currencies) | Limited customer service |
Conclusion:
To conclude, Skrill is a great option for creators who need quick payouts and global availability, but it’s important to watch out for currency conversion fees and be prepared for a potentially slow verification process.
Paxum
Paxum is popular among content creators in the adult industry, making it a trusted and established option for OnlyFans withdrawals. It also offers both virtual and physical prepaid cards, allowing users to spend their earnings directly online or withdraw cash from ATMs using the physical card. Also, with it’s digital wallet you can be anonymous in regards to data privacy when withdraw from OnlyFans.
|
Pros |
Cons |
| Popular in the adult industry | High fees for wire transfers ($50) |
| Supports multiple currencies | ATM withdrawal fees ($2-$3 per transaction) |
| Virtual and physical debit cards | Slow or complex verification process |
| Fast withdrawal processing (24-48 hrs) | Mixed reviews for customer service |
| Secure platform | Limited availability of physical cards |
Conclusion:
To summarise, Paxum is a strong option for creators in the adult industry due to its industry-specific focus, multi-currency support, and convenience of prepaid cards. However, the high fees for bank transfers and some customer service challenges may make it less appealing compared to alternatives like Skrill or direct bank transfers. If you need quick access to cash via an ATM or a card for online spending, it can be a good choice, but be mindful of the associated fees.
Cosmo Payments
Cosmo Payment is a newer payment solution, offering fast payouts and a prepaid card for accessing funds. It’s gaining popularity among OnlyFans creators for its ease of use and relatively low fees. However, unlike Skrill and Paxum, Cosmo Payments has no digital wallet.
|
Pros |
Cons |
|
Prepaid Mastercard for easy spending |
Limited global availability |
|
Low fees (around $3.50 per ATM withdrawal) |
ATM withdrawal limits($500 to $1,000 per day) |
|
Fast processing time (24-48 hours) |
Currency conversion fees for non-USD usage(2%-3%) |
|
Simple to use and set up |
Occasional slow customer support |
|
Worldwide usability (USD-based card) |
ATM availability may vary |
Conclusion:
In conclusion, Cosmo Payment is a great option for creators who want easy and fast access to their earnings via a prepaid card, especially in USD. It’s ideal for those who prefer to avoid high transfer fees and need a straightforward solution for spending or withdrawing money. However, limited availability, ATM limits, and potential currency conversion feesmight pose challenges for some users. Overall, it’s a solid option for U.S.-based creators or those comfortable working with USD.
Local Bank Transfers and SEPA
For creators who prefer a direct bank deposit, OnlyFans offers local bank transfers and SEPA (Single Euro Payments Area) transfers, particularly for European users.
|
Method |
Pros |
Cons |
|
Local Bank Transfers |
Familiar and straightforward |
Longer processing time (1-5 days) |
|
|
Direct deposit to your bank account |
Potentially higher fees |
|
|
Generally secure |
Withdrawal limits imposed by banks |
|
|
No currency conversion fees (same currency) |
Bank policies may create issues |
|
SEPA |
Fast transfers (1-2 business days) |
Limited to euro transactions |
|
|
Lower fees (€0.50 – €1.00) |
Only available in SEPA-participating countries |
|
|
Standardized payment process across Europe |
Must have a euro-denominated bank account |
|
|
No currency conversion fees (in euros) |
Processing delays due to weekends/holidays |
Conclusion:
Summing up, choosing between Local Bank Transfers and SEPA depends on your location, the currency of your earnings, and your preference for speed and fees. Also, Local Bank Transfers are more familiar and widely available, but may take longer and incur higher fees, while SEPA is efficient and cost-effective for euro transactions, but has limitations for those outside the eurozone.
Overall
|
Payment Option |
Pros |
Cons |
OnlyFans Fees |
Withdrawal Fees |
|
Skrill |
Global, secure, has e-wallet, quick transfers, low fees, easy to use |
Currency conversion fees, withdrawal fees |
None |
~1% bank transfer, 3-5% currency conversion |
|
Paxum |
International, supports virtual/physical cards |
Higher fees, slow customer support, $50 bank transfer fees |
None |
$50 wire transfer, $2-3 ATM fee |
|
Cosmo Payment |
Fast payouts, prepaid card, low fees |
Limited availability, currency exchange fees |
None |
~$3.50 ATM fee, low bank transfer fees |
|
Bank Transfer |
Direct transfers, no platform fees |
Longer processing times, high international fees |
None |
$10-$50 for international transfers |
Thus, you can be confident with your OnlyFans earnings flow and payment method. Make sure to check other articles in our blog and follow our YouTube Channel.