Do Prepaid Cards Work on OnlyFans?

Do Prepaid Cards Work on OnlyFans?

September 10, 2020         Written By Heaven Speirs

OnlyFans is a popular online platform that puts fans in touch with their favorite content creators.  Artists, chefs, writers, entertainers, and a variety of other talents use OnlyFans to earn money and interact with their audience.  Fans must have a card on file to subscribe to an account, but…does that have to be a credit card?  Can you use a prepaid card for OnlyFans? Yes, many prepaid cards will work on OnlyFans!

Using a prepaid card on OnlyFans can be a good way to confidently make purchases on the site.  While it is safe to use your credit card on OnlyFans, you may want your purchases on the site separate from your main account for privacy or confidentiality reasons.

I Need A Prepaid Card For OnlyFans

Featured Card

Top Features:

No late fees or interest charges because this is not a credit card. has put together a list of the top prepaid credit card offers that will work on OnlyFans.  Since these work anywhere Visa or Mastercard is accepted, these cards can be a great choice and signing up is fast, secure, and easy.

NetSpend® Visa® Prepaid Card

The NetSpend® Visa® Prepaid Card is a fantastic choice for a prepaid card as it offers no late fees or interest charges and a low monthly fee which ranges from $0 to $9.95, depending on how you use and fund the card. The card has no credit check, no minimum balance requirement, and no activation fee.  Applying is fast, easy and secure.

Netspend® All-Access ® Account by MetaBank®

The Netspend® All-Access ® Account by MetaBank® is another option for a prepaid card to use on OnlyFans as it offers no minimum balance and all the benefits of a bank account.  This robust prepaid card offers a variety of card art options, cash back rewards, optional overdraft service, and real time account alerts.

PayPal Prepaid Mastercard®

The PayPal Prepaid Mastercard® offers the ability to link the card with your PayPal account to easily move money from your PayPal account to your card.  Since OnlyFans does not accept PayPal, this can be a great way to use your PayPal balance or linked accounts to fund a prepaid card for utilizing on the OnlyFans website.

How Does OnlyFans Work?

OnlyFans is a platform that connects content creators with their fans.  Creators on OnlyFans set monthly subscription prices for their content. Fans can access this content by paying the monthly subscription fee, which varies from one creator to the next. OnlyFans takes 20% of the subscription fee, and the rest of the money is paid to the content creator.

Fans also have the option to direct message creators and pay tips for special content. For instance, if a fan wanted to pay for a personalized video, he or she could tip the creator based on an agreed-upon price. Tips are not refundable and OnlyFans is not responsible for any agreements made via direct message.

To join OnlyFans as a fan or creator, you must be 18 years of age or older.

Payment Methods Accepted on OnlyFans

Currently, OnlyFans accepts payments from the following sources:

OnlyFans has not made an official statement about accepting American Express cards, but users reported issues with Amex on OnlyFans in April 2020. At this time, it appears that the site does not support American Express cards for subscriptions.

Payment Methods OnlyFans Does Not Accept

In their Fan Questions area, OnlyFans says that they do not accept:

  • PayPal
  • Gift cards

Moreover, OnlyFans will not accept cards that do not have 3D Secure authentication. This is an advanced security feature that passes data between the merchant, the card issuer, and the cardholder. It reduces the risk of card-not-present fraud and ensures that stolen cards are not used for online purchases. Because of this policy, OnlyFans does not currently support payments from mobile wallets like Apple Pay, Samsung Pay, or Google Pay.

After entering your card information on OnlyFans, “You will be prompted by either: ‘Verified by Visa’ or ‘Mastercard SecureCode’ to confirm your purchase with additional temporary verification code or SMS code.  If your card is unable to be authenticated, your charge may be declined or fail.”

Can I Use More Than One Payment Method for OnlyFans?

OnlyFans will not split subscriptions across multiple payment methods, but you can have more than one card linked to your account. If the primary card gets declined, the secondary card will be charged instead. This ensures that your subscription status remains active so you can continue to access the Creator’s content.

An Alternative to Using Prepaid Cards on OnlyFans – Secured Credit Cards

If you do not have a credit card and do not want to use your bank card, there is another way to make payments on OnlyFans. Consider getting a secured credit card to cover the transactions. In many ways, a secured card is like a prepaid card that can help you build credit.

To use a secured credit card, you must deposit money to act as the ‘available credit.’ If you deposit $500 onto the card, you’ll have an available balance of $500, minus any fees on the card. If the secured card fits within the parameters of OnlyFans accepted payments, you can use that card to pay for subscriptions and tips.

Almost anyone can get approved for a secured credit card, even if you have bad credit or no credit. Your deposit eliminates the risk for the card issuer, so they are willing to work with you regardless of past credit challenges. You must make monthly credit card payments just like you would with a traditional credit card. Those payments are reported to the credit bureaus to gradually boost your credit score. If you think about it, that means you could build your credit with OnlyFans! The modern world has its perks.

You can cancel your secured card and receive a refund for your deposit. You can also upgrade to an unsecured card after several months of positive payment history. Read each card’s terms closely to understand the fees and interest on the account. Then you can choose the right secured card for you.

Here are a few great options for secured cards:

PCB Secured Visa®

The PCB Secured Visa® upon approval will require an initial deposit between $200 and $1,000 which will determine your credit limit.  The card is accepted anywhere Visa cards are accepted and after the first year, you can request a credit limit up to a maximum of $5,000.

Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

The Assent Platinum 0% Intro Rate Mastercard Secured Credit Card offers 0% APR on purchases for the first six months and is a full-feature Mastercard credit card which reports to the three major credit bureaus.  Use the card anywhere Mastercard is accepted.

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card has no credit checks and is a great option for those with poor or no credit. It helps you build credit quickly by reporting to the three major credit bureaus and is accepted anywhere Visa cards are accepted.

Using Wallet Credits on OnlyFans

By using wallet credits, you can turn your Fan Account into a prepaid card all its own. Fans can add money to their accounts through Wallet Credits. The credits are non-refundable, so be careful before loading up your Wallet. Wallet Credits are used as the default payments for tips and subscriptions until the funds are depleted.

What’s the benefit of using Wallet Credits? It allows you to reduce the number of OnlyFans transactions that show on your credit card statement. Let’s say you subscribe to five creators and tip a couple of times each month. If you load sufficient funds into your wallet, you’ll only have one charge on your account instead of seven.

Note that you must use an accepted payment method to add wallet credits. Also, if there is not enough money in your wallet to cover the entire transaction, OnlyFans will charge your alternative payment method instead. Payments cannot be split between your Wallet and card.

Will OnlyFans Show on My Credit Card Statement?

If you are worried about discretion, you need to note how OnlyFans transactions display on credit and debit card statements. The monthly subscription will show as “OnlyFans” or “” on your statements. Some transactions may appear with an OF descriptor instead, but the transaction will most likely have a full OnlyFans label.

Will I Be Charged for Content on Free OnlyFans Accounts?

OnlyFans creators choose what they charge for their content. As a result, there are some free OnlyFans accounts where you can subscribe at no cost. You must have a payment method linked to your account to subscribe, but you will not be charged for free content. You can still private message the Creator and have full access to the content on that particular account.

If you’re wondering why someone would put out free content on OnlyFans, in most cases, it’s teaser content. For example, the British music duo Duke and Jones used a free OnlyFans account to promote their latest album and raise money for retail workers affected by COVID-19. Any tips on the account went directly to the charity. Some Creators have two accounts: a free one for sneak peeks and a paid one for more exclusive content. Regardless of the circumstances, your card will not be charged if you subscribe to a free account.

Do Free Trials on OnlyFans Auto-Renew?

No! Free trials on OnlyFans do not auto-renew. Many subscription services use free trials as a ploy to trap customers into monthly subscriptions. That is not the case with OnlyFans. If a creator is running a free trial promotion, you can subscribe without any charge. To continue viewing the content after the trial, you will need to manually renew your subscription.

If you want to cancel an OnlyFans subscription, simply turn off the Auto-Renew switch on the creator’s profile. You will still have access to the content until the next charge is due. If you deactivate your OnlyFans account altogether, you will not have access to any content on the platform.

Why Was My OnlyFans Payment Declined?

If you are trying to add a card to your OnlyFans wallet, the payment may be declined because the card is not an accepted payment method or it does not support 3D secure authentication.

If your card has worked in the past but was declined for a tip or monthly subscription, here are some possible reasons:

  • Insufficient funds in the account
  • The card is expired
  • You received a new card but have not updated your card information on OnlyFans
  • You have reached your daily tip limit of $500 (this resets daily)
  • Your bank or card issuer is blocking the transaction for suspicion of fraudulent activity
  • The card information or address is incorrect
  • You’re using a proxy or VPN to access OnlyFans, but your bank needs IP verification for the transaction

OnlyFans will retry the transaction up to three times. After that, you will no longer have access to the Creator’s content to which you’ve subscribed to. You can delete and re-enter your card information to try the transaction again. If you’re still having issues, contact

Is It Safe to Use My Credit Card on OnlyFans?

OnlyFans uses a third-party payment provider, so your credit card information is not stored directly on the site. Creators cannot see your payment information when you tip or subscribe to their accounts. If you notice unauthorized transactions on your card, report them to your card issuer right away and request a new card.

If you need help finding the right credit card, use the LowCards Credit Card Selection Tool to get started. The process only takes a few seconds, and we’ll match you with the best credit card offers to meet your needs.

The information contained within this article was accurate as of September 10, 2020. For up-to-date information on any of the terms, cards or offers mentioned above, visit the issuer's website. Many of the offers on this article are from our affiliate partners, and may be compensated if you take action with any of our affiliate partners.

Review Editor’s Top Cards!

2020 Top Credit Cards by Category
Featured Fair Credit Card
Reflex Mastercard® Credit Card
Featured Fair Credit Card
Reflex Mastercard® Credit Card

Applying for this card will securely direct you to the issuer's website.

Top Features: All credit types welcome to apply!

Featured Secured Card
Assent Platinum 0% Intro Rate Mastercard Secured Credit Card
Featured Secured Card
Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

Applying for this card will securely direct you to the issuer's website.

Top Features: Intro APR Offer on Purchases, No Annual Fee For First Year

Featured Bad Credit Card
First Digital NextGen Mastercard® Credit Card
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First Digital NextGen Mastercard® Credit Card

Applying for this card will securely direct you to the issuer's website.

Top Features: Reports to all three credit bureaus, perfect credit not required for approval

Featured Good Credit Card
Petal® Visa® Credit Card
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Petal® Visa® Credit Card

Applying for this card will securely direct you to the issuer's website.

Top Features: No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee


About Heaven Speirs

Heaven Speirs is a contributing writer for She remains up-to-date with the latest developments in the credit card industry and the financial sector as a whole. Heaven has over 10 years of experience in online journalism, the bulk of which has been focused on personal finance. Heaven attended Oklahoma State University, where she discovered her talent for research and content creation. In her spare time, Heaven enjoys painting, playing poker, and spending time with her husband and three dogs.