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Passes vs OnlyFans
Fees, payouts, discovery, AI rules and agency tooling compared from both platforms' official policies, facts verified Jul 10, 2026.
The choice here is a low take rate on a small, mainstream, no-nudity audience versus a 20% cut on the largest paying adult audience anywhere. Passes keeps 90% of what fans spend and bans explicit content; OnlyFans keeps 80% but sits on a user base measured in the hundreds of millions. The fee, payout and content numbers below come from each platform's own published policies. What separates them in practice is who your audience already is and whether your content can even live on Passes at all.
Choose Passes ifPick Passes if your content is safe-for-work and you already have a following on TikTok, Instagram or YouTube to funnel over. You keep 90% after the 10% plus $0.30 fee, you can withdraw once every 24 hours once you clear $50, and you get paid revenue streams OnlyFans lacks: paid DMs as their own line, one-on-one video calls, pay-per-minute lives and a merch store. A fitness coach or a chess personality who wants recurring income without the OnlyFans stigma fits here.
Choose OnlyFans ifOnlyFans is the platform if you sell explicit adult content or need the raw audience, which no rival matches: filings put it at 377.5 million registered users and roughly 4.6 million creators. You surrender 20% on everything and your money sits in a 7-day chargeback hold before you can touch it, but fans spent about $7.2 billion on the platform in 2024, and that spending volume is the whole argument. Established creators with a large existing draw will monetize deeper here.
| Fact | Passes |
OnlyFans |
|---|---|---|
| Platform fee | 10%10% plus $0.30 per transaction on the standard tier. | 20%Flat 20% on subscriptions, tips, PPV, custom content and live streams; payment processing is included in the fee. |
| Minimum payout | $50Payout balance must reach at least $50 before it can be processed. | $20$20 for most methods; wire transfers often require $200, and some banks set higher minimums. |
| Payout schedule | Creators can pay out once every 24 hours. | Earnings sit in a pending balance for a 7-day chargeback hold, then move to the available balance for manual or automatic (daily, weekly or monthly) withdrawal. |
| Payout methods | Bank transfer (ACH), Instant ACH, PayPal | Bank transfer (ACH), International wire, Paxum, Skrill |
| Discovery traffic | NoNo open explore or search for adult creators; Passes is no-nudity and creators bring their own audience from other social platforms. | YesLogged-in users can search only by exact username; there is no public directory, explore page or niche/location browsing, so most discovery happens off-platform. |
| Subscriptions | Yes | Yes |
| PPV | Yes | Yes |
| Tips | Yes | Yes |
| Live streaming | Yes | Yes |
| Agency access | NoPasses has no documented official manager or team-permission system. In practice creators or agencies run accounts directly, and reviews note that DMs are sometimes handled by outsourced agents rather than the creator. | NoOnlyFans has no official manager or team-permission feature; agencies operate by logging in and running accounts directly. Predatory third-party agencies redirecting earnings and impersonating creators have been documented, so contracts need close scrutiny. |
| Official API | No | No |
| AI creators | No | No |
| Adult content | Yes | Yes |
| Monthly visits | - | 360.2M #87 global rank |
| Trustpilot | 2.5 (61 reviews) | 1.3 (4,056 reviews) |
| Our rating | ||
| Founded | 2022 | 2016 |
| Company | Passes, Inc. | Fenix International Limited |
Facts from each platform's official terms and help pages; full details and sources on the profile pages. Traffic by Similarweb.
What you keep and how fast you get it
Passes takes 10% plus $0.30 per transaction; OnlyFans takes a flat 20% with processing included. On $100,000 of fan spend that gap is around $10,000 a year kept on Passes. Speed is the sharper contrast. Passes lets you cash out every 24 hours once your balance hits $50, with instant ACH available. OnlyFans holds earnings in a pending balance for a 7-day chargeback window before they become withdrawable, and the base minimum is $20 (wires often need $200). If cash flow matters week to week, Passes releases money faster and cheaper.
Audience size is not close
OnlyFans reported 377.5 million registered users and about 4.6 million creators, with fan spend near $7.2 billion in 2024. Passes, by comparison, was described in 2024 as roughly 1,000 creators and more than 500,000 users. Neither platform hands you that audience. OnlyFans lets logged-in users search only by exact username, with no explore page or directory, and Passes has no open discovery for its no-nudity creators either. Both expect you to import fans from other social platforms, so OnlyFans' scale only helps if you can convert traffic you already control.
Content rules decide the choice for many creators
This is where the two stop being interchangeable. Passes bans explicit nudity and pornography outright, blocks the sale of lingerie or inherently sexual items, and prohibits funneling fans to adult platforms including OnlyFans; uploads are scanned by Amazon Rekognition, Hive and Microsoft PhotoDNA before human review. OnlyFans permits explicit adult content from every verified creator. If your business is explicit, Passes is not an option. If you want to monetize your appeal without the adult label, Passes is built for that lane. Neither allows fully AI-generated personas with no real creator behind them.
Running an agency on either
Neither platform has an official manager or team-permission system, so agencies log in and operate accounts directly, and there is no public API on either side for pulling stats across a roster. For an agency running 30 creators that means manual dashboard work and shared logins on both. OnlyFans carries a documented history of predatory third-party agencies redirecting earnings and impersonating creators, so contracts need real scrutiny. Passes reviews note that DMs are sometimes handled by outsourced agents rather than the creator, and fans have complained about obvious template replies, which is a reputational risk worth managing.
Availability and verification
Passes pays out only in the US, Canada, UK, Australia and many European countries, so creators outside those regions are locked out. OnlyFans reaches far more countries but is banned outright in places such as China, Saudi Arabia and the UAE, with adult posting restricted in India, and payout methods vary by region. Verification differs in tempo: OnlyFans runs KYC through Ondato with a photo ID plus live selfie, usually cleared in 24 to 72 hours, while Passes requires ID plus proof of address and adds a manual social check that typically takes a few days.
When running both makes sense
Because Passes forbids nudity and forbids pointing fans toward OnlyFans, you cannot run explicit content across both or cross-promote from Passes. A split still works if you keep the material genuinely separate: safe-for-work coaching, behind-the-scenes and merch on Passes at the 90% rate, explicit content on OnlyFans. Keep the funnels one-directional and off-Passes to stay inside its terms. For most creators this is more overhead than it is worth, and picking the platform that matches your actual content is the cleaner call.
Full profiles
Frequently asked questions
Is Passes better than OnlyFans?
It depends on your content. Passes keeps you 90% versus 80% and pays out faster, but it bans nudity and has a far smaller audience. OnlyFans reported 377.5 million users, so for explicit creators it is the practical choice.
Do Passes and OnlyFans take the same cut?
No. Passes charges 10% plus $0.30 per transaction, OnlyFans a flat 20% with processing included. On $100,000 in fan spend that is roughly $10,000 more kept on Passes.
Which one pays out faster?
Passes. You can withdraw once every 24 hours after reaching $50, with instant ACH available. OnlyFans holds earnings for a 7-day chargeback period before you can withdraw.
Can I use both at the same time?
Yes, but Passes bans nudity and prohibits directing fans to OnlyFans, so you must keep content fully separate and never cross-promote from Passes. Safe-for-work on Passes, explicit on OnlyFans.
Where can AI creators post?
Neither. OnlyFans requires every account to represent a real, verified person whose content depicts that creator, and Passes has no policy permitting AI-generated personas. AI-assisted editing is allowed on OnlyFans if labeled.
Which has the bigger audience?
OnlyFans, by a wide margin: filings show 377.5 million registered users and around 4.6 million creators, versus Passes' reported figure of over 500,000 users and about 1,000 creators.