Six platforms compete for creator attention in 2026: OnlyFans, Fansly, Fanvue, MYM, LoyalFans, and JustForFans. On paper the models look similar – 80% creator share, subscription model, adult content permitted. In practice, fees, payout speed, AI policies, and platform support differ meaningfully.
Why the comparison matters
At $5,000 monthly revenue, a 5-percentage-point fee difference means $250 more or less per month – over a year, a significant sum. Add payout timing: switching from a 7-day hold to a faster model eliminates weeks of required cash buffer.
The six platforms at a glance
| Platform | Fee | Payout | AI Policy | SEPA/DACH |
|---|---|---|---|---|
| OnlyFans | 20% | Weekly (7-day hold) | Allowed with disclosure | Yes (bank transfer) |
| Fansly | 20% | 7-day hold, $20 min | Photorealistic AI banned (2025) | Limited |
| Fanvue | 15% (yr 1) → 20% | 7–28 day pending period | AI-friendly (with disclosure) | SEPA direct |
| MYM | 25% subs + 7% banking | ~30-day hold, €50 SEPA min | No explicit AI focus | EUR-native, SEPA |
| LoyalFans | 20% | 2× monthly, $50 min | Standard | SEPA available |
| JFF | 20% | Standard | Standard | Limited |
What this comparison does differently
We verify primary sources: platforms’ own legal pages, verified creator reports, and current research. No sponsored placements, no affiliate rotations.
Who wins for each creator type?
- Bringing your own audience → Fanvue (lowest fee yr 1, SEPA, AI-friendly)
- Leveraging the largest fan base → OnlyFans as primary channel
- Francophone or DACH community → MYM (strong in France + DACH)
- Diversification → Fansly as a second channel (solid platform, clear AI policy)
For the full 7-dimension comparison matrix →