The complete comparison matrix across 7 dimensions that matter for serious creators.
The 7-dimension matrix
| Dimension | OnlyFans | Fansly | Fanvue | MYM | LoyalFans | JFF |
|---|---|---|---|---|---|---|
| Fee | 20% | 20% | 15% (yr 1) → 20% | 25% subs + 7% banking | 20% | 20% |
| Creator share | 80% | 80% | 85% (yr 1) → 80% | ~68–75% effective | 80% | 80% |
| Payout speed | Weekly (7-day hold) | 7-day hold | 7–28 day pending period | ~30-day hold | 2× monthly, ~7 working days | Standard |
| Minimum payout | $20 | $20 | ~$20 | €50 SEPA / €100 non-SEPA | $50 | ~$50 |
| AI policy | Allowed with disclosure | Photorealistic banned | Fully allowed (with disclosure) | No explicit AI focus | Standard | Standard |
| SEPA/DACH support | Yes (bank transfer) | Limited | SEPA direct | EUR-native, SEPA | SEPA available | Limited |
| Pool/Discovery | ★★★★★ | ★★★☆☆ | ★★☆☆☆ | ★★★☆☆ (DACH/FR) | ★★☆☆☆ | ★★☆☆☆ |
Sources: Fanvue legal.fanvue.com (10/26), Fansly iimagined.ai (10/26), MYM maho-management.com + desirely.co (10/26), LoyalFans ofm-tools.com + sozee.ai (10/26). Fees subject to change.
Detail: MYM’s real fee structure
MYM looks simpler than it is: 25% on subscriptions, 20% on PPV and tips, plus a 7% banking fee on every transaction. At a typical subscription/PPV mix, the effective creator share is ~68–75% – meaningfully worse than the other five platforms.
Exception: MYM’s “Superstar” programme can reduce the fee to 10–15% at high revenue thresholds, but access is not transparent and most creators stay on standard terms.
Detail: Fanvue payout timing
Fanvue has a “pending period” of 7–28 days (chargeback protection), after which Fanvue aims to process within 10 business days. Worst case: ~6 weeks from fan payment to bank. For cashflow planning: budget a larger buffer for Fanvue than for OnlyFans or Fansly.
Detail: Fansly AI policy
Fansly banned photorealistic AI-generated adult content in 2025 following Visa/Mastercard policy updates. Non-photorealistic AI (anime, stylised) is permitted under conditions. AI content creators must use Fanvue or OnlyFans instead.
Recommendation by creator type
| Creator type | Recommendation | Reasoning |
|---|---|---|
| New creator, own audience | Fanvue | Lowest fee yr 1, SEPA, AI-OK |
| Established, large fan base | OnlyFans as primary | Largest pool, highest fan trust |
| AI content creator | Fanvue | Only Tier-1 platform with full AI support |
| DACH-focused creator | MYM as supplement | EUR-native, SEPA, strong DE/FR community |
| Diversification | Fansly as second channel | Solid, clear rules, good fan tooling |
| Maximum liquidity | OnlyFans | Most predictable payout schedule |