Creator platform fees explained: what you actually take home
By the Avatique team · Updated
Your take-home is what fans pay, minus the platform fee, minus any payment-processing fee charged on top, minus payout fees. On Avatique the 20% platform fee is the only cut on sales (processing included), so $1,000 of sales leaves $800, and withdrawals from $20 are free. On a platform with a 10% fee plus 2.9% + $0.30 processing per payment, $1,000 in $10 payments leaves about $841.
The four fees that decide your take-home
| Fee | What it is | On Avatique |
|---|---|---|
| Platform fee | The platform's share of each sale | 20% |
| Payment processing | The card processor's cost, sometimes charged on top | Included in the 20% |
| Payout fee | Charged when you withdraw | Free from $20; 2% for instant |
| Hold period | How long earnings wait before you can withdraw | 7 days (3 with Pro) |
Worked example: $1,000 of sales
One hundred $10 payments in a month, the same fans on each platform:
| Model | Fees | You keep |
|---|---|---|
| 20%, processing included (Avatique) | $200 | $800 |
| 10% + 2.9% + $0.30 per payment | $100 + $29 + $30 | $841 |
| 20% + processing on top | $200 + $59 | $741 |
Small payments make per-payment fees heavy: at $5 a payment, a $0.30 fixed fee alone is 6%. Run your own numbers in the earnings calculator.
Where the money really goes
The fee pays for card processing, chargebacks, identity checks, content scanning, storage and video delivery, support and fan refunds when something never arrives. On adult-friendly platforms, card processing alone costs much more than on mainstream ones because of the higher risk banks assign.
How to keep more of what you earn
- Sell bundles: one 3-month payment costs less in per-payment fees than three monthly ones.
- Use pay-per-view and paid messages: they carry no extra fee beyond the platform's share.
- Withdraw in larger amounts if your payout method charges a fixed fee.
- Refer other creators: on Avatique you earn 5% of their sales for 12 months, up to $1,000 each, paid from the platform's share.
Questions
How much does Avatique take?
20% of every sale, payment processing included. Creators keep 80%.
How much does OnlyFans take?
20% of creator earnings (checked 20 October 2026).
Are there payout fees?
On Avatique, withdrawals from $20 are free by ACH, SEPA, wire, Paxum, Payoneer or crypto; instant payouts cost 2%.
Do I pay tax on creator earnings?
Usually yes, as self-employment income where you live. US creators provide a W-9 and receive the tax forms the law requires. Ask a tax adviser for your situation.