Fanvue keeps a platform fee of 20% on subscriptions, pay-per-view, tips and paid messages, because its Creator Terms set the standard Creator Earning Rate at 80% of gross revenue. A temporary promotional rate can apply on top for new or eligible accounts, and your real take-home also moves with refunds, chargebacks, any dispute fees, affiliate commission you agree to pay, the separate Fanvue Checkout fee schedule and whatever your payout provider charges.
This guide follows each deduction back to the Fanvue document that creates it, flags the places where Fanvue's own pages disagree, and ends with a worksheet you fill in from your earnings statement. How withdrawals work is covered separately in our guide to Fanvue payout methods and minimums, and the forms and VAT registration side sits in the Fanvue tax forms and VAT guide.
What Fanvue's terms say it keeps
Two legal documents control the split. The Creator Terms (updated 19 September 2026) define Platform Fees as the percentage of user payments Fanvue retains to cover its service and running costs, and Creator Earnings as your share after those fees and any applicable deductions. The Creator Earnings & Payouts policy (updated 22 April 2026) lists what counts: subscriptions, tips, pay-per-view messages, bundles and custom content, with the same 80% standard rate unless something else has been agreed in writing.
Three details in that policy matter more than the headline split. First, Fanvue can set a different rate under a partnership agreement, case by case, and says such changes are communicated in writing. Second, Creator Earnings are calculated exclusive of taxes, fees and third-party processing charges, so the fan-facing price is not the base for your share once tax is involved. Third, your earnings can be adjusted afterwards for refunds, chargebacks and fraud-related deductions. In other words, the percentage is applied to what the platform actually keeps from a sale, and it can be clawed back later.
Joining costs nothing in these documents: there is no listed sign-up charge or monthly creator plan. Fanvue earns only when fans pay, which means every fee in this guide is proportional to sales or tied to a specific event such as a dispute or a withdrawal.
The promotional rate: three Fanvue pages, three framings
Most confusion about Fanvue's fee comes from its introductory offer, and Fanvue itself describes it in three different ways.
- The Creator Terms and the earnings policy call it a Promotional Earning Rate: a temporary, fixed-period uplift for new or eligible creators whose rate, eligibility and length are published on the platform, applied automatically to qualifying transactions while it lasts, and changeable or removable at Fanvue's discretion.
- Fanvue's marketing article What is Fanvue? (dated 5 January 2026) gives the platform fee as 15% for your first 30 days after passing identity checks and 20% after that, then says in the next line that you take home 80% from day one, which cannot both be true for that first month.
- The help article on earning rate changes says the 85% earning rate offered to creators who joined in 2022 has ended and those accounts are moving to the standard 80%.
The binding position is the legal one: whatever promotion Fanvue publishes in the product at the time of a sale is what applies, and it is temporary by definition. Third-party reviews that quote a permanent lower fee are describing that promotion, not the standard terms. The practical habit is simple. When you open the account, screenshot the rate your dashboard shows and any end date, check a few early transactions on your earnings page against it, and build your budget on the standard rate so the end of the offer is not a surprise.
Where VAT and the transaction fee sit
Fanvue describes itself as the merchant of record for every transaction. It works out VAT or local sales tax at checkout from the fan's country and other evidence, collects it, and remits it through the UK VAT return or the EU One-Stop Shop where required. The tax and a small transaction fee are added on top of the price you set, so a fan in a taxing country pays more than your listed price while your share is calculated on the price itself.
Fanvue publishes one worked example, reproduced below with its source on every row. It uses a UK fan buying a creator-priced item at the standard rate.
| Line in Fanvue's example | Amount | Who it belongs to | Source |
|---|---|---|---|
| Price the creator sets | $10.00 | The base your share is worked out from | How does Fanvue handle VAT? |
| Transaction fee added at checkout | $0.20 | Paid by the fan on top of the price | How does Fanvue handle VAT? |
| UK standard VAT charged to the fan | $2.04 | Collected and remitted by Fanvue, never part of your earnings | How does Fanvue handle VAT? |
| Total the fan pays | $12.04 | What appears on the fan's statement | How does Fanvue handle VAT? |
| Fanvue platform fee | $2.00 | Retained by Fanvue under the standard rate | How does Fanvue handle VAT? |
| Amount credited to the creator | $8.00 | Enters your pending balance before any later adjustments | How does Fanvue handle VAT? |
Two consequences follow. Your share does not shrink when a fan pays VAT, and your own VAT registration status does not change what the fan pays. If you are VAT-registered and have entered a verified VAT number, Fanvue adds VAT to your payout invoices instead, which you then declare in your own return; that mechanism, and what happens if you forget to add the number, belongs in the tax guide linked above rather than in your fee maths.
Refunds, chargebacks and the dispute fee
Fanvue's help article Understanding Chargebacks on Fanvue separates the two events. A refund is issued by Fanvue; a chargeback is started by the fan through their bank, which reverses the payment. Either way the amount comes back out of your earnings, shown on the earnings page as a line labelled with the fan's username, date and amount, and Fanvue bans fans who file chargebacks. If your chargeback rate stays high relative to your earnings, the same article says payouts may be restricted for a while until the account settles.
The dispute fee is the one deduction that can exceed the sale it relates to. Under section 4 of the Creator Terms, if refunds and chargebacks together pass a 1.5% dispute rate over a 30-day period, Fanvue may charge a $50 administrative fee for each dispute after that point, and may waive it where you are genuinely working on the cause. The earnings policy words the window as any rolling 30-day period, and section 3.15 of the General Terms repeats the fee and names friendly fraud and account takeover fraud as patterns creators can help prevent. Already-paid amounts can be recovered from future payouts.
Fanvue's prevention advice is practical: answer fans who raise a problem before they go to their bank, describe paid content accurately so nobody feels misled, and report unusual buying, such as a new subscriber purchasing a large amount immediately. If you want a written process for this, our refund and chargeback prevention policy template adapts well to Fanvue because it is built around delivery records rather than any one platform's buttons.
Which fee regime applies to which sale
Fanvue now runs more than one charging model. The standard earning rate covers the core features, Fanvue Checkout has its own schedule, and referral and affiliate money moves in different directions. Map your revenue lines against this table before you compare Fanvue with anything else.
| Money in or out | What Fanvue takes or adds | Source |
|---|---|---|
| Subscriptions, renewals, tips, paid posts, paid messages, bundles, custom content | Standard rate: you earn 80%, Fanvue keeps 20%, unless a promotion or written partnership rate applies | Creator Earnings & Payouts |
| Fanvue Checkout sale paid by card, digital wallet or another non-instalment method | 9.7% of the transaction, described as all-inclusive with no charge to the buyer; the 80/20 rate does not apply | Checkout Seller Terms |
| Fanvue Checkout sale paid through buy-now-pay-later or instalments | 15% of the transaction, applied to first payments and every renewal made through a Checkout Link | Checkout Seller Terms |
| Referral commission you receive for a creator you brought to Fanvue | Paid from Fanvue's own fees and not subject to Platform Fees; reversed if the underlying sale is refunded | Creator Referral & Affiliate Policy |
| Affiliate commission you pay when another creator sends you fans | Comes out of your net earnings at the percentage your offer sets, including on Checkout Link sales | Creator Referral & Affiliate Policy |
| Withdrawal through the crypto option run by TripleA | 1%, deducted from the withdrawal amount and shown before you confirm | Payout fees on Fanvue |
| Withdrawal by bank transfer, MassPay or Cosmo | No Fanvue payout fee listed; the wallet providers set their own charges | Payout fees on Fanvue |
Two rows deserve a second look. The affiliate row is easy to forget because the money never passes through your hands: if you open an offer and another creator brings you a fan, their commission is taken from what you would otherwise have earned. And Checkout is only for approved sellers under its own terms, so treat its schedule as a separate business line with its own records rather than folding it into your subscription numbers.
Net earnings worksheet
Fill this in for one calendar month from your Fanvue earnings page and payout confirmations. Leave a line blank if it does not apply to you; do not estimate a line you can look up. The point is to see which deduction actually moves your month, not to forecast one.
| Worksheet line | Where to find it | Your figure |
|---|---|---|
| A. Gross sales at the prices you set, before fan-side tax | Earnings page totals for subscriptions, renewals, posts, messages and tips | |
| B. Fan-side VAT, sales tax and transaction fees | Not your money; record it only to explain why fan receipts look higher than A | |
| C. Platform fee deducted at the rate in force for each sale | Dashboard rate, plus the date any promotional rate ended | |
| D. Checkout sales and the schedule fee on each | Checkout records, split between card and instalment payments | |
| E. Refunds and chargebacks reversed this month | Chargeback lines on the earnings page, each with a username and date | |
| F. Dispute administration fees, if your rate crossed the threshold | Any notice from Fanvue support and the matching balance deduction | |
| G. Affiliate commission paid to creators who sent you fans | Your affiliate offer settings and the related earnings lines | |
| H. Referral and affiliate commission you received | Balance lines categorised as referral or affiliation | |
| I. Payout provider charges, including the crypto fee or wallet fees | The confirmation screen for each withdrawal and your wallet statements | |
| J. Net received: A minus C, plus D after its fee, minus E, F, G and I, plus H | Should reconcile with what reached your bank or wallet, allowing for pending timing |
Line J will rarely match a single month's bank deposits exactly, because sales sit in a pending balance before they can be withdrawn and requests take time to arrive. If you want to plan around that delay rather than just explain it afterwards, our payout forecast worksheet separates pending from available money in the same way, and the steps for chasing a missing withdrawal are in the Fanvue payouts guide.
Costs that sit outside Fanvue's fee
Several costs never appear in Fanvue's documents because Fanvue does not charge them, yet they still reduce what you keep:
- Wallet and bank charges: the MassPay eWallet and Cosmo eWallet help articles both say Fanvue is not responsible for fees accrued when you withdraw, so read each provider's own schedule before choosing one.
- Currency conversion when your bank or wallet turns US dollars into your home currency, which depends on your provider rather than on Fanvue.
- Income tax and, if you are registered, VAT or GST you owe locally; Fanvue pays earnings gross and does not withhold tax.
- Any manager, agency or chat-team fee you have agreed, which is usually calculated on gross or net sales and should be written into your contract.
- Production costs such as editing tools, outfits, props and storage, which belong in your business records even though no platform deducts them.
Once you can see every line, revenue decisions get clearer; our map of how to make money on Fanvue shows which features each fee rule touches.
Limits of this fee breakdown
This breakdown reflects Fanvue's Creator Terms, earnings policy, Checkout Seller Terms, referral policy and help articles as published on 1 October 2026. Fanvue reserves the right to change all of them, the promotional rate is defined only by what the platform displays at the time, and individual partnership rates are private, so your own statement outranks anything written here, including this page.
The VAT example is Fanvue's, for one UK purchase; other countries, states and currencies change the fan-side numbers without changing the logic. None of this is personal tax, legal or financial advice. For questions about how platform income, VAT registration or business expenses apply to you, speak to a registered tax agent or accountant in the country where you are tax-resident.
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