Do Prepaid Cards Work On OnlyFans? (2022)

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home > Credit Card Advice “Do Prepaid Cards Work On OnlyFans?” (2023)

Writer: Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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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.

Yes, Visa Prepaid Cards Work On OnlyFans

OnlyFans states on its website that it accepts “some prepaid Visa cards.” This is pretty vague and doesn’t provide a list of accepted cards. But as long as you aren’t using a non-reloadable gift card, you shouldn’t have trouble processing a Visa payment because a prepaid card can be used online the same way a credit card can.

Below are our top prepaid card offers that operate on the Visa payment network. Signing up is fast, secure, and easy.

Current Visa Debit

at the issuer'ssecure website

EXPERT'S RATING

★★★★★

4.6

Current Visa Debit 4.6/5.0 About this rating

Our experts rate prepaid debit cards based on monthly fees, deposit requirements, rewards, approval ease, and convenient features like mobile deposits. We focus on providing the best value for those seeking a flexible, fee-conscious payment option. Issuers have no influence on our ratings.

See Our Review»

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OVERALL RATING

4.0/5.0 Current Visa Debit 4.0/5.0 About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

See Our Review»

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Earn points on swipes: Earn up to 7x the points on card swipes at over 14,000 participating merchants, then redeem them for cash back in your account.*
Get paid up to 2 days faster with direct deposit*
If you qualify, you can access up to $750 before payday with a paycheck advance
Qualifying direct deposits receive fee-free overdrafts*
No minimum balance fees, no overdraft fees, no bank transfer fees
Access to more than 40,000 fee-free ATMs*

See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	N/A	N/A

GO2bank™

at the issuer'ssecure website

EXPERT'S RATING

★★★★★

4.8

GO2bank™ 4.8/5.0 About this rating

See Our Review»

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OVERALL RATING

4.1/5.0 GO2bank™ 4.1/5.0 About this rating

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Overdraft protection up to $300 with opt-in and eligible direct deposit*
No monthly fees with eligible direct deposit, otherwise $5 per month
Earn up to 7% cash back when you buy eGift Cards in the app
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.

See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	N/A	All Credit Types Considered

ACE Elite® Visa® Prepaid Debit Card

at the issuer'ssecure website

EXPERT'S RATING

★★★★★

4.4

ACE Elite® Visa® Prepaid Debit Card 4.4/5.0 About this rating

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OVERALL RATING

3.2/5.0 ACE Elite® Visa® Prepaid Debit Card 3.2/5.0 About this rating

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Manage and control your money on one convenient reloadable prepaid card
Get paid up to 2 days faster with direct deposit
No-fee cash withdrawals of up to $100 at ACE with qualifying Direct Deposit
Earn Payback Rewards on qualifying purchases
Choose from 3 card designs
As a cardholder, you can open a Tiered Optional Savings Account. Balances up to $1,000.00 currently earn up to 5.00% annual percentage yield. No minimum balance required.

See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	N/A	Not applicable

These cards are free to sign up for online, but you’ll be charged a small fee to purchase them in a store.

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:

Visa credit cards and debit cards
Mastercard credit cards and debit cards
Discover credit cards and debit cards
Maestro cards
Some Visa prepaid cards

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 section, OnlyFans says that they do not accept payments from PayPal or gift cards.

Moreover, OnlyFans will not accept cards — including prepaid 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.

Are There Alternatives to Using Prepaid Cards On OnlyFans?

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 that serves as the available credit limit. For example, if you deposit $500 onto the card, you’ll have an available balance of $500, minus any fees charged by the bank. 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 as 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.

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 secured card options to consider:

Chime Visa® Credit Card

at Chime'ssecure website

SECURED RATING

★★★★★

4.9

Chime Visa® Credit Card 4.9/5.0 About this rating

Our experts rate secured credit cards based on deposit amounts, fees, APRs, approval ease, benefits, and issuer reputation. We focus on providing the best options for consumers looking to build or rebuild credit and compare offers to find the most accessible and affordable terms. Issuers have no influence on our ratings.

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OVERALL RATING

4.5/5.0 Chime Visa® Credit Card 4.5/5.0 About this rating

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No minimum balance requirements*
No credit check**
1.5% cash back on rotating categories with direct deposit***
The perks of credit building meet the best of banking****
Chime Checking Account required to apply for the Chime Visa® Credit Card

See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	No annual fees	Poor/Fair/Limited/Damaged

Secured Self Visa® Credit Card

at the issuer'ssecure website

SECURED RATING

★★★★★

4.9

Secured Self Visa® Credit Card 4.9/5.0 About this rating

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OVERALL RATING

4.2/5.0 Secured Self Visa® Credit Card 4.2/5.0 About this rating

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The secured Self Visa® Credit Card* requires no credit check or minimum score.
Reports to all 3 major credit bureaus to establish and build credit, with free access to your credit score.
Secure your credit line with a refundable security deposit as low as $100.**
Deposits are returned upon account closure after settling outstanding balances.
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
**Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	Variable APR of 27.74%	$0 annual fee for the first year only, $25 annual fee thereafter	None, Limited, Poor, Fair

opensky® Secured Visa® Credit Card

at Capital Bank N.A.'ssecure website

SECURED RATING

★★★★★

4.8

opensky® Secured Visa® Credit Card 4.8/5.0 About this rating

See Our Review»

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OVERALL RATING

4.0/5.0 opensky® Secured Visa® Credit Card 4.0/5.0 About this rating

See Our Review»

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Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used opensky® to build better credit!

See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	24.14% (variable)	$35	No credit, Poor, Fair

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 on-time payments.

How Are Wallet Credits Used 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.

The benefit of using Wallet Credits is that they allow 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 know how OnlyFans transactions display on credit and debit card statements.

OnlyFans As It Appears On Bank Statements

This Twitter user shared his bank statement online.

The monthly subscription will show as “OnlyFans” or “OnlyFans.com” on your statements. Some transactions may appear with an OF descriptor instead, but the transaction will most likely have the full OnlyFans label.

Discretion is a concern for many OnlyFans users. As such, a prepaid card is a good option for maintaining your OnlyFans transactions separate from your monthly credit or debit card statements.

Will I Be Charged for Content on Free OnlyFans Accounts?

OnlyFans creators choose what they charge for their content, but you can subscribe at no cost to some free OnlyFans accounts. 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. 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.

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

You can delete and re-enter your card information to try the transaction again. If you’re still having issues, contact [email protected].

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.

Sign Up For Only Fans Using a Prepaid Card

Whether you don’t have a credit card or you want to keep your OnlyFans transactions seperate from your monthly bank statements, a Visa prepaid card is an easy way to gain access to the content you’re after.

Remember to choose a card that operates on the Visa network, as all of the recommended cards above do. Some prepaid cards charge monthly or per-use service fees, so be sure to compare the costs of each card before making a selection.

Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.

About the Author

Ashley Fricker

Senior Editor

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Yes, Visa Prepaid Cards Work On OnlyFans

Current Visa Debit

EXPERT'S RATING

4.6

OVERALL RATING

GO2bank™

EXPERT'S RATING

4.8

OVERALL RATING

ACE Elite® Visa® Prepaid Debit Card

EXPERT'S RATING

4.4

OVERALL RATING

How Does OnlyFans Work?

Payment Methods Accepted on OnlyFans

Payment Methods OnlyFans Does Not Accept

Can I Use More Than One Payment Method For OnlyFans?

Are There Alternatives to Using Prepaid Cards On OnlyFans?

Chime Visa® Credit Card

SECURED RATING

4.9

OVERALL RATING

Secured Self Visa® Credit Card

SECURED RATING

4.9

OVERALL RATING

opensky® Secured Visa® Credit Card

SECURED RATING

4.8

OVERALL RATING

How Are Wallet Credits Used On OnlyFans?

Will OnlyFans Show on My Credit Card Statement?

Will I Be Charged for Content on Free OnlyFans Accounts?

Do Free Trials on OnlyFans Auto-Renew?

Why Was My OnlyFans Payment Declined?

Is It Safe to Use My Credit Card on OnlyFans?

Sign Up For Only Fans Using a Prepaid Card

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About the Author

Ashley Fricker

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