With the increasing hype of OnlyFans, many people are questioning, “how can I use OnlyFans without a credit card?” 

OnlyFans is like other social networking apps only, but unlike them, OnlyFans requires its users to pay a subscription fee known as Monthly Recurring Revenue (MRR) on a monthly basis.

This subscription fee is compulsory for the viewers in order to see the content published or posted by creators. Simply put, OnlyFans is a platform meant for sharing, buying, and selling content. So, without any further delay, let’s explore how to pay for OnlyFans without a credit card.

Brief Introduction of OnlyFans

Created by British Entrepreneur Tom White, OnlyFans is more like a social media platform where users create and share content with their followers in exchange for additional money. The headquarters of OnlyFans is located in London, and its foundation was laid in 2016. 

OnlyFans is a subscription-based content creation app that enables users to make money from other users who sign up for the content. The online creators of OnlyFans get funds from their fans via pay-per-view and monthly subscription fees. Many fashionistas, authors, entertainers, and other creators use OnlyFans to get in contact with their admirers and make money from them for the same. 

Growth rate of OnlyFans
Did You Know?
According to Google trends data, the growth of OnlyFans in 2020 reached over 500%. 

With the growing popularity and a high engagement rate, the number of current active content creators on OnlyFans is over 450,000. Besides, OnlyFans allows users to post explicit content or NSWF content without fear of any legal action against their account. In simple words, OnlyFans focused on a specific creator segment and then gradually expanded to other verticals and markets to achieve such vast growth.

Total Cost of OnlyFans Subscription

The users need to spend money and subscribe to OnlyFans in order to see the posts and videos published by their favorites. Any user can subscribe to OnlyFans with a minimum subscription price of $4.99 and a maximum subscription fee of $49.99 per month. However, there are some celebrities like Kim Kardashian who provide exclusive content to their fans for free. 

Acceptable Payment Methods on OnlyFans

You can get access to OnlyFans by creating an account. However, making an account won’t be enough, and you need to buy a subscription to enjoy the content of your favorite creators. To purchase the subscription, you need to navigate to the more tab. You will see the payment options under the more icon, and you can choose any of them according to your comfort. 

The OnlyFans provide the following payment options: –

  • Maestro/Debit Cards
  • Visa/Mastercard
  • Some Prepaid Cards
  • Discover

In order to successfully pay the subscription fee, your card should be enrolled in 3D secure to verify transactions. However, the open-loop gift cards from Mastercard or Visa are not enrolled in 3D secure, that’s why they can’t be used as a payment method for subscriptions.

That’s all about the additional payment method now let’s move forward to the method of paying for OnlyFans without a credit card. 

How You Can Pay for OnlyFans Without a Credit Card 2023?

Wondering, ‘can you use OnlyFans without a credit card,’? Nothing to panic about. Besides the aforementioned payment options, OnlyFans also provides multiple payment options. So, if you don’t have a credit card, worry not, you can make payments by using the other payment modes: 

  • You can use your virtual credit card to pay your OnlyFans creator.
  • Besides, you can also use a prepaid Visa and subscribe to your favorite creator. 

Remember that you are required to have a credit card to watch the content published by your favorite content creator. Without a credit card, you can access only the content of free creators, as you have to pay the fee for consuming the content of subscription-based creators. 

Furthermore, if you don’t have any of the above-mentioned options, you can use the below-given alternative method for subscribing to OnlyFans.

Alternative Methods of Paying for OnlyFans

Most people either don’t own a credit card or don’t want to reveal the details of their credit card. If you belong to such a category and want to keep your credit card information a secret, you can subscribe to the creators on OnlyFans by using the below-given alternative payment methods: –

Netspend & Cash App Card 

A Netspend card is a prepaid debit card and can be used for withdrawing cash, making purchases, and paying bills. Using a Netspend card to get a subscription to OnlyFans is a convenient way to connect with your favorite creator. 

Other than the Netspend card, you can also use the Cash App card for making payments on OnlyFans. A Cash App card is a physical debit card that is linked to the Cash App account of the user. A cash App card is a validated card and can be used at the places where Visa is accepted. 

Virtual Credit Card

Virtual credit cards are the digits mentioned on a credit card that can be used for online purchases. They are disposable numbers designed with the intent to protect the actual account number from falling into some other person’s hand. Making payments on OnlyFans through a virtual credit card is the most secure method of subscribing to your favorite creator without hesitation. 

The majority of banks and Non-Bank Financial Institutions (NBFIs) provide virtual credit cards through apps or mobile wallets. One can use a virtual credit card to get access to the content of the accounts on OnlyFans. So, if you don’t own a credit card and are worried about how to pay for OnlyFans without a card, a virtual credit card can be the perfect solution for you.

Prepaid Cards 

Prepaid cards work pretty much similar to debit cards and can be used as an alternative option for making payments on OnlyFans. They are like debit cards, and when you use them, you use your own money instead of the bank’s money. The only difference between prepaid cards and traditional debit cards is that you don’t need to have a bank account in order to use them. 

All you have to do is load money onto the card, and you are set to make purchases. Reload the card with more money when the card’s balance gets too low. Prepaid cards are the safest options available for paying subscription fees on OnlyFans because they don’t have any documents attached to Prepaid Visa cards.

Viewer Tool 

The viewer tool allows you to view the content of any premium OnlyFans account without subscribing to them. You don’t need to create an account or use a credit card to view your favorite content if you use the viewer tool. Just enter the username of OnlyFans content creators, and you are good to go for enjoying the content of your favorite creator. The viewer tool is the best option for those searching for how to pay on OnlyFans without a credit card.

Follow the below-given steps to use the OnlyFans viewer tool: –

Step 1: Enter the username of the creator (whether free or paid) and tap on access.

Step 2: Verify the captcha and tap on the start option. The tool will take time to download and access information.

Step 3: Select the complete verification option and then tap on the verification button

The website will use the creator’s profile information to provide exclusive and exciting videos.

Alternative Websites

If you want to enjoy the content of your favorite creator on OnlyFans without spending money, you should try some alternative websites. The alternative websites stream direct content of OnlyFans creator free of cost. These websites are really helpful for people who don’t own a credit card. Besides, you can enjoy the content of your favorite OnlyFans creator without any registration, thus saving you time and money.

Can You Pay For OnlyFans with PayPal?

If you are searching ‘how to pay for OnlyFans with PayPal’, you may get disappointed after knowing that it’s not possible. Many people assume that PayPal is one of the ways of subscribing to OnlyFans and withdrawing earnings for content creators. But unfortunately, that’s not the case because the guidelines of PayPal don’t align with the content policy of this platform. 

OnlyFans is a community of content creators that includes fitness coaches, authors, entertainers, etc. but it is popularly known for being a content hub for porn stars, sex workers, and more. PayPal has a strict policy against sexually oriented content through the digital medium, due to which it is not accepted as a payment method for OnlyFans. 

These were the ways to pay for OnlyFans without a credit card. Now let’s discuss how one can make money on OnlyFans. 

Effective Ways to Make Money on OnlyFans?

OnlyFans Infographics

Like other social media apps, OnlyFans is a great platform to earn money and in fact, people are already earning huge amounts of money from it. The top earners on OnlyFans are renowned people who were already popular before jumping to OnlyFans. These celebrities made the platform more appealing, which attracted their fans to OnlyFans, thus ultimately increasing the number of users. 

Their fan base is ready to pay any amount for consuming their exclusive content from them. Hence, the high engagement rate between creators and users makes OnlyFans a popular choice for generating income. One can earn money on OnlyFans through paid promotions, Pay Per View, and Pay Per Action. Here’s how:

Pay Per View

You can advertise your content to your subscribers by using the option of  Pay Per View. These advertisements are short and tailored according to the interest of your subscriber’s profiles. Pay Per View is a very popular option for making your content go viral on OnlyFans. Simply put, this option enables creators to get tailored ads targeted to match the interests of the profiles of their subscribers. 

Paid Promotions

Paid promotions are another effective method of earning money on OnlyFans. Whenever an individual watches a video on OnlyFans, the website uses the application to process each visitor’s IP address and can easily calculate the watch duration of the video. The company claims that based on that information, it can accurately calculate how much an individual would be able to make from that exposure. 

Pay Per Action

Pay Per Action provides creators the opportunity of promoting their services through a series of interactive micro-apps. The micro-apps used for promoting services are similar to the search engine and video-sharing sites. 

The only difference between the search engine and video-sharing sites is that they run within the OnlyFans platform. So, every time a person watches a video or show, the creator gets a reward. This system enables creators to monetize their interests without making any hefty investments.

Safety Measures Taken by OnlyFans to Ensure Secure Payment and Prevent Data Breaches

In the contemporary digital world, data breach has become a major issue and even renowned companies are not able to keep their user’s information safe. That’s why OnlyFans uses CCBILL which is a third-party payment provider for processing payments. Outsourcing a third-party payment provider means that OnlyFans don’t store the payment card details directly on-site, so the payment card you use should always be safe.

And in case you are concerned about data breaches, relax, OnlyFans has taken strict measures to prevent such occurrences. So, next time the question of why free OnlyFans require credit cards bothers you, remember it’s for the verification concern.

Troubleshooting Tips to Follow When OnlyFans Payment is not Working

There are instances when the OnlyFans payment server may not respond due to heavy traffic and site crash. In case, the OnlyFans payment is not working for you, then you can follow the below-given tips: –

  • First, clear the cookies and caches of your browser and then restart it.
  • Ensure that you are using the latest version of your web browser while making payments.
  • Check whether the JavaScript is enabled in your browser settings, if not then enable it.

If you are still facing a payment issue, you should immediately contact the customer support of OnlyFans for further guidance.


Ans: If you are wondering ‘why do you need a credit card for free OnlyFans’, you must know that the payment details and card details are required for the user to verify their identity. The card works as the payment processing gateway for all transactions. Having a credit card allows you to easily access your favorite content creators’ videos.

Ans: The majority of people are concerned about alternative payment options for subscribing to OnlyFans. They even search questions like can you subscribe to OnlyFans without a credit card, if you are among them too, you would be happy to know that you can subscribe to OnlyFans without a credit card.  You can use any of the below-given payment options for purchasing subscriptions on OnlyFans: –

  1. Virtual Credit Cards
  2. Prepaid Visa Cards
  3. Alternative Websites
  4. Netspend & Cash App Card
  5. OnlyFans Viewer Tool

Ans: Unfortunately, it’s not possible to hide the name of the OnlyFans on your transaction details because the respective bank automatically adds this information. However, you can use alternative methods like a virtual credit card for making payments if you don’t own a card.