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Creator platform take rates compared, and what you actually keep

A take rate looks like the simplest figure in this business: a published percentage that multiplies straight into your revenue. Then payout fees, currency conversion, chargebacks and holds all land after it. This page separates the headline from what reaches your bank.

AIOF Editorial DeskUpdated 5 minChecked

What you get from this page

  • Published commission rates for the main platforms, with the sources
  • Why two reputable sources disagree about Fanvue's rate, and which to trust
  • The four fee layers that sit below the headline percentage
  • How to work out your real net rate from your own payout statement
On this page
  1. Published commission rates
  2. The four layers below the headline
  3. Working out your real net rate
  4. How much should the take rate influence your choice?

A take rate looks like the simplest number in this business. It is a percentage, it is published, and it multiplies straight into your revenue. In practice it is one of the more slippery figures you will deal with, for three reasons: platforms change it, secondary sources report it inconsistently, and it is not the only deduction between a subscriber's card and your bank account.

Published commission rates

Headline commission by platform
PlatformPublished commissionEvidenceAI-model accountsNotes
Fanvue20%SourcedPermitted, labelledFanvue's own creator terms and Sacra both describe 20% across subscriptions, tips, one-off payments and paywalled sales. Some 2026 write-ups claim a lower introductory rate; see below.
OnlyFans20%SourcedRestrictedAI content is permitted only where it depicts the verified account holder. A fully synthetic persona is not eligible, which removes it from consideration for most AI-model operators.
Fansly20%EstimateCheck current termsReported at parity with OnlyFans in 2026 comparison coverage. We have not confirmed this against Fansly's own terms, and we have not confirmed its current AI policy at all.
Passes10%EstimateCheck current termsThe lowest headline rate in 2026 comparison coverage. Same caveat: not confirmed against primary terms. If commission is your deciding factor, this is the row to go and check before anything else.
Patreon8–12% plus processingEstimatePermitted, non-adultTiered, and the effective rate lands materially above the headline once payment processing is included. Content restrictions make it a poor fit for most of this niche regardless.

Sourced means we read it in the platform's own published terms on the verification date at the top of this page. Estimate means it comes from 2026 comparison coverage that we have linked but not checked against the platform's own documents. We keep the secondary rows because a flagged estimate beats a blank cell, but do not make a platform decision on one without checking it yourself.

The four layers below the headline

The commission is the first deduction, not the only one. These are the layers that show up between gross and banked, and they are the reason your effective rate is always worse than the published one.

Payout and transfer fees
The cost of moving money from the platform balance to your bank. Fanvue's terms describe earnings processed after a holding period with no added fee, which is favourable; not every platform is structured that way, and third-party payout rails often are not.
Currency conversion
If you earn in one currency and bank in another, the spread applies to every payout. Over a year this is frequently larger than an entire tooling budget, and it is almost never mentioned in comparison content.
Chargebacks and refunds
Deducted after the fact, sometimes weeks later. High-ticket pay-per-view content and custom requests carry more of this risk than subscriptions do. Track it as its own line, because a rising chargeback rate is an early warning about how content is being sold, not just a cost.
Holding periods
Money you have earned but cannot yet access. It does not change your annual take but it absolutely changes your cash position in the first few months, which is when cash position matters most.

Working out your real net rate

Do not calculate this from the published percentage. Calculate it from a payout statement, which is the only document that includes every layer.

  1. Take one full calendar month of gross revenue

    Gross means the sum of what subscribers were charged, before any deduction. Most dashboards show this figure directly; if yours shows net by default, look for a transactions export.

  2. Sum everything that actually landed in your bank for that month

    Bank statement, not platform balance. Include the currency actually received, not the currency quoted.

    Gotcha — Match the periods carefully. A holding period means the money that arrived in March was earned in February, and comparing mismatched months will produce a nonsense rate.

  3. Divide banked by gross

    That fraction is your real net rate. Subtract it from one and you have your true all-in cost of using that platform.

  4. Compare it to the published rate

    The gap between the two is the amount of your income that comparison tables, including this one, do not capture. Once you know your own gap, you can finally evaluate a platform switch honestly.

How much should the take rate influence your choice?

Less than most comparison content implies. A ten-point commission difference on $2,000 a month is $200. Meaningful, but smaller than the difference between a platform where your audience converts and one where it does not, and much smaller than the difference between a platform that permits your account type and one that removes it.

  1. Eligibility first. A 10% commission is irrelevant on a platform that does not permit fully synthetic personas.
  2. Audience second. Discovery and audience size determine whether you earn anything at all.
  3. Payout reliability third. Predictable, documented payouts are worth several points of commission.
  4. Commission fourth. It matters, and it is still the fourth thing that matters.
Is a lower take rate always better?

No. Commission is a cost applied to revenue you actually earn. A platform with half the commission and a tenth of the audience is a worse deal by a wide margin. Optimise the numerator before the denominator.

Can I run on more than one platform at once?

Technically usually yes, and operationally it is harder than it sounds. Each platform adds a content calendar, a messaging queue and a separate compliance surface. Most solo operators are better served by one platform run properly, with a second added once the first runs without you in it.

Do these rates apply to tips and custom content as well as subscriptions?

On Fanvue, the published terms describe the commission applying across subscriptions, tips, one-time payments and paywalled content sales. Do not assume that structure generalises; several platforms treat tips differently from subscriptions, and it changes your revenue mix strategy.

Where these numbers come from

Every row in the commission table declares its evidence grade, using the same four grades defined on the methodology page. Sourced rows were read in the platform's own published terms on the verification date at the top of this page. Estimate rows come from 2026 comparison coverage that we have linked but not checked against the platform's own documents, and they are labelled as such in the table itself. Where sources conflict we show both rather than picking the tidier number. We have no access to any platform's internal fee schedule and this page does not pretend otherwise.

Sources

  1. 01

    Fanvue creator earnings and payoutsPrimary source for Fanvue's fee and payout terms

  2. 02

    Sacra: Fanvue company profileStates a 20% take rate across all transaction types

  3. 03

    Fanvue creator referral and affiliate policyReferral commission terms and caps

  4. 04

    2026 creator platform commission comparisonSecondary source for the Fansly, Passes and Patreon rows. Not a primary source, and not verified against those platforms' own terms.

Who wrote this

AIOF Editorial DeskResearch & editorial

AIOF is an editorial desk that works from primary sources: platform terms, vendor pricing pages and published company data, read and dated rather than repeated from other write-ups. Where a figure comes from someone else we cite it and grade it. Where we have not measured something ourselves we say so, which today is most of the places you might expect a first-hand number.

  • Works from primary platform documents, with the date each page was last checked published on the page itself
  • Grades every figure as sourced, third-party estimate, modelled or measured, and labels which
  • Publishes no first-party measured benchmarks yet, and says so on the methodology page rather than implying otherwise
  • Corrections are made in place with a dated changelog entry, listed on the updates page
Revision history (2)

  1. Re-verified all rates and added the conflicting-sources section.

  2. First published.

Rules and pricing here change often. This page was last touched on . Found something out of date? Tell us and we will fix it in place with a dated note.

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