How Long Does OnlyFans Payout Take? Complete Payment Guide

OnlyFans is a major content subscription platform where creators can earn money through subscriptions, tips, and pay-per-view (PPV) content. While making money on OnlyFans is straightforward, understanding how and when you get paid is crucial. This article covers the OnlyFans payout process, withdrawal methods, processing times, and common payout issues.

How OnlyFans Payouts Work

OnlyFans processes all payments through Stripe, a widely used and secure payment gateway that handles transactions for online businesses. When a fan subscribes to a creator’s page, purchases pay-per-view (PPV) content, or sends a tip, the payment is processed immediately by Stripe. However, creators do not receive the money right away. Instead, the funds are placed into a pending balance for a set period before becoming available for withdrawal.

Pending Balance and Waiting Period

Once a payment is processed, the earnings enter a pending balance, where they remain for a period ranging from 7 to 21 days, depending on the creator’s location and OnlyFans’ risk assessment policies.

Standard Waiting Period (7 Days):

For most creators, earnings stay in the pending balance for 7 days before they are moved to the available balance, making them eligible for withdrawal.

This delay helps OnlyFans verify transactions, reduce fraud risks, and protect creators from chargebacks (where a fan disputes a payment with their bank).

Extended Waiting Period (21 Days) for High-Risk Countries:

In some regions with higher instances of fraudulent transactions or chargebacks (such as Russia and Romania), OnlyFans enforces a 21-day pending period before releasing funds.

This longer holding time is meant to provide additional security for OnlyFans and ensure that transactions are legitimate before funds are withdrawn.

During the pending period, creators can monitor their expected earnings by checking their Statements or Balances section on the platform. The system separates Pending Balance from Available Balance, allowing creators to track when funds will become accessible.

Once the waiting period ends, the earnings are transferred from the pending balance to the available balance, and the creator can request a manual withdrawal or receive an automatic payout if they have set up recurring withdrawals.

How to Withdraw Money from OnlyFans

Once a creator’s earnings move from the pending balance to the available balance, they can request a payout. OnlyFans offers two different withdrawal options, depending on how a creator prefers to access their funds:

Manual Payouts

Creators can manually request a withdrawal whenever they want, as long as they have reached the minimum payout requirement of $20.

• To request a manual payout, go to the Statements section in the OnlyFans dashboard.
• Click on “Request Withdrawal”, and OnlyFans will process the payment during the next payout cycle.
• The time it takes for the money to arrive in the creator’s bank account depends on the chosen withdrawal method (e.g., direct deposit, wire transfer, or PayPal).
• Manual payouts give creators full control over when they withdraw their earnings, which can be useful for budgeting and financial planning.

Automatic Payouts

Creators who prefer regular, automatic withdrawals can set up an automatic payout schedule in their Payout Settings.

• OnlyFans offers weekly, biweekly, or monthly automatic withdrawals.
• If a creator enables automatic payouts, funds will be sent automatically once their available balance meets the $20 minimum requirement.
• Automatic payouts ensure that earnings are transferred consistently without the need to request each withdrawal manually.
• This option is beneficial for those who prefer a steady cash flow and do not want to worry about initiating payouts manually.

Minimum Payout Requirement

OnlyFans requires creators to have at least $20 in their available balance before they can withdraw funds.

• If a creator’s earnings are below $20, they cannot request a withdrawal.
• Any earnings that do not meet the minimum will roll over into the next payment cycle until they reach the threshold.
• This rule applies to both manual and automatic payouts.

For creators with high earnings, the minimum payout requirement is usually not an issue, but for those just starting out, it may take time to accumulate enough funds before making their first withdrawal.

OnlyFans Payout Processing Times

Once a creator requests a payout, the time it takes for the money to arrive in their bank account depends on the chosen withdrawal method. Below is a breakdown of processing times for each available option:

Direct Deposit (ACH) – 3 to 5 Business Days

• Available in: The U.S. and some other countries that support ACH payments.
• Processing time: 3 to 5 business days after OnlyFans processes the payout request.
• Fees: No fees from OnlyFans, but some banks may charge a small incoming ACH transfer fee.

How it works:

• Once OnlyFans processes the withdrawal, the funds are sent through ACH (Automated Clearing House) transfer to the creator’s bank.
• ACH transfers do not process on weekends or holidays, so payouts requested before a long weekend may take longer.
• This method is one of the fastest and most cost-effective for creators based in the U.S.

International Wire Transfer – 5 to 10 Business Days

• Available in: Countries outside the U.S. where ACH is not supported.
• Processing time: 5 to 10 business days, depending on the bank and country.
• Fees: OnlyFans charges a $30 wire transfer fee per payout. The receiving bank may also deduct additional fees for international wire transfers.

How it works:

• OnlyFans sends the funds via SWIFT (Society for Worldwide Interbank Financial Telecommunication).
• International wire transfers typically take longer than ACH due to multiple banks being involved in the process.
• Some banks hold international transfers for additional verification, which may add to the processing time.

PayPal – Instant to PayPal Balance, 1-2 Days to Bank

• Available in: Select countries where OnlyFans allows PayPal withdrawals.
• Processing time: Funds arrive instantly in your PayPal account once OnlyFans processes the payout. Transferring funds from PayPal to a bank account takes 1 to 2 business days.
• Fees: Standard PayPal transaction fees apply, depending on the country and currency conversion.

How it works:

• Once the funds are in the PayPal account, creators can transfer the money to their linked bank account.
• Some PayPal users may have access to instant bank withdrawals, but PayPal may charge an extra fee for this service.
• This method is convenient for creators who want faster access to their funds without waiting for a traditional bank transfer.

E-wallets (Paxum, Skrill, etc.) – Varies by Provider

• Available in: Multiple countries where e-wallet services are supported.
• Processing time: Usually faster than bank transfers, but the exact speed depends on the e-wallet provider.
• Fees: Varies by provider; some e-wallets charge a small withdrawal fee.

How it works:

• E-wallets such as Paxum, Skrill, or Neteller allow creators to receive payments directly into their digital wallet.
• Once the funds are in the e-wallet, they can be transferred to a bank account, used for online purchases, or withdrawn as cash (if the service offers prepaid debit cards).
• Some e-wallets offer same-day transfers, making them one of the fastest payout methods.

The time it takes to receive OnlyFans payouts depends largely on the chosen withdrawal method. Direct deposit (ACH) is the fastest and most affordable option for U.S.-based creators, typically taking 3-5 business days. International wire transfers, while available globally, can take 5-10 business days and include additional fees. PayPal offers instant transfers, but moving funds to a bank may take 1-2 days. E-wallets like Paxum and Skrill often provide faster processing compared to traditional banks, making them a good alternative for international creators.

To ensure smooth and timely payouts, creators should choose the most efficient method for their location, verify their banking details, and monitor their payment statements for any delays.

Common Issues with OnlyFans Payouts and How to Fix Them

Sometimes, payouts from OnlyFans may be delayed, rejected, or fail to process. Below are the most common reasons for payout issues and how to resolve them.

1. Payment Stuck in Pending Balance

When a creator earns money on OnlyFans, the funds first go into a pending balance for 7 to 21 days before they are available for withdrawal. This waiting period helps prevent fraudulent transactions and chargebacks.

Why does this happen?

• OnlyFans automatically holds all earnings for at least 7 days in most countries.
• For creators in high-risk regions (e.g., Russia and Romania), the pending period extends to 21 days.
• If you see that your payout is “pending,” it simply means that the required holding time has not yet passed.

Solution:

• Check your Balances section on OnlyFans to see when funds will become available.
• Wait until the pending balance transitions to the available balance before requesting a withdrawal.
• If your funds have been stuck in pending for longer than expected, contact OnlyFans Support for clarification.

2. Incorrect Bank Details

One of the most common reasons for payout failures is incorrect banking information entered in the payout settings.

Why does this happen?

• A single incorrect digit in your account number, routing number, IBAN, or SWIFT code can cause payment rejections.
• Some banks require a specific account type (e.g., checking vs. savings) to receive payments.
• Mismatched names between your bank account and OnlyFans account may cause issues.

Solution:

• Double-check your bank details before submitting a payout request.
• Ensure that the name on your OnlyFans account matches your bank account name.
• If a payout fails, update your bank details and re-request the payout.
• Consider switching to an alternative payout method such as PayPal, Paxum, or Skrill if your bank continues rejecting payments.

3. Insufficient Funds

OnlyFans has a minimum payout requirement of $20. If a creator’s available balance is less than $20, they won’t be able to withdraw their earnings.

Why does this happen?

• A creator’s earnings might still be in the pending balance, meaning they aren’t yet eligible for withdrawal.
• Some creators may not have made enough to reach the $20 minimum payout threshold.

Solution:

• Check your Balances section to see how much is in your available balance.
• If your balance is below $20, continue creating and promoting content until you reach the threshold.
• Any unpaid balance will roll over to the next payout cycle until it reaches the minimum withdrawal amount.

4. Payout Method Not Supported

Some banks do not accept payments from OnlyFans, especially in countries where regulations on adult content platforms are strict.

Why does this happen?

• Certain banks block payments from OnlyFans or Stripe transactions.
• The bank may not support international transfers from OnlyFans.
• The payout method chosen (such as direct deposit) might not be available in your country.

Solution:

• If your bank rejects OnlyFans payouts, try switching to an e-wallet like Paxum, Skrill, or PayPal, which are often faster and more reliable.
• Some creators open an account with a different bank that allows OnlyFans payments.
• Before choosing a new payout method, confirm with your bank’s customer support whether they support Stripe transactions and international transfers.

5. Account Verification Issues

OnlyFans requires all creators to complete identity verification and provide necessary tax documentation before they can withdraw earnings.

Why does this happen?

• If a creator hasn’t submitted or completed ID verification, OnlyFans may pause all payouts.
• For U.S. creators, the W-9 tax form must be filled out before payouts are processed.
• Any discrepancies in personal information, tax ID, or payment details may result in payout holds.

Solution:

• Go to your OnlyFans Account Settings and check if your ID verification is completed.
• If you’re in the U.S., ensure your W-9 tax form is properly submitted.
• If you see an “Account Under Review” notification, reach out to OnlyFans Support to check the status of your verification.

6. Bank or Payment Vendor Processing Delays

Even if OnlyFans successfully processes the payout, the actual transfer can still be delayed due to bank or payment provider issues.

Why does this happen?

• Some banks process international transactions slowly, especially during weekends or holidays.
• PayPal, Paxum, or Skrill may take additional time to process and release the funds.
• Bank security measures, such as fraud prevention checks, may delay payment deposits.

Solution:

• Check your bank’s processing times for incoming international payments.
• If your payout hasn’t arrived within the expected timeframe, contact your bank or payment provider to see if the transaction is pending review.
• Avoid requesting payouts on Fridays or before holidays, as this can lead to delays due to non-business days.
• If the delay exceeds 10 business days, contact OnlyFans Support with proof of the transaction request.

Understanding and addressing common payout issues on OnlyFans is essential for ensuring smooth and timely withdrawals. Pending balances, incorrect bank details, and unsupported payout methods are frequent causes of delays, but these can be resolved by verifying account information, choosing the right withdrawal method, and monitoring transaction status.

By staying proactive, double-checking banking details, ensuring account verification is complete, and avoiding payout requests on weekends or holidays, creators can minimize delays and ensure faster access to their earnings. If problems persist, contacting OnlyFans Support or switching to a more reliable payment method, such as e-wallets like Skrill or Paxum, can help avoid further issues.

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Conclusion

Understanding the payout process on OnlyFans is crucial for creators who rely on the platform for income. With pending balances lasting 7-21 days, followed by 3-10 business days for payouts to process, planning ahead is key to managing your finances. Selecting the right withdrawal method, ensuring your bank details are correct, and setting up automatic payouts can help avoid unnecessary delays.

If you ever face issues with missing or delayed payments, checking your OnlyFans account status, ensuring all verification steps are complete, and contacting OnlyFans support can help resolve problems quickly. By following these best practices, you can ensure smooth and reliable payouts, allowing you to focus on growing your OnlyFans content and earnings.

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