The blog

How agency money actually moves.

Everyone explains what percentage to charge. Almost nobody explains how it gets from their bank into yours.

August 22, 2026 How OnlyFans agencies actually collect their commission Five ways agencies get paid their cut — creator sends manually, agency-controlled account, invoice, platform netting, and authorized ACH — with the fees, the timing, the failure modes and what breaks at scale. 12 min August 22, 2026 Banking for OnlyFans agencies: who says yes, and what gets you closed What an underwriting review actually reads, the one flow-of-funds mistake that closes accounts, and the three things that end an account after approval. 9 min August 22, 2026 Gross or net? The one contract line worth ten points of commission The same "30%" can mean $2,400 or $3,000 out of the same payout. The three bases, the complement mistake that causes a 100% overcharge, a calculator, and the contract wording that ends the argument. 7 min August 22, 2026 Does an agency 1099 its creators? Whether you have a filing obligation depends entirely on which direction the money moves. The threshold that changed, the W-9 mistake that cannot be fixed afterwards, and the payees agencies forget. 8 min August 22, 2026 When the money actually lands: the four clocks between a fan and your bank Pending, available, initiated, credited — only the last one is money. Why clock three to four is the unpredictable one, and the reconciliation failure that comes from billing against the wrong clock. 6 min August 22, 2026 Why Stripe, PayPal and Square close agency accounts You were not declined, you were reclassified — approved by a process that did not look, then reviewed by one that did. The three triggers, why a high-risk processor is not automatically the answer, and what to do if you are frozen now. 7 min August 22, 2026 Can an agency legally take money from your bank account? Yes, and it is ordinary — but only with a real authorization, written notice of every varying amount, and a revocation you control. Written for the person being asked to sign, with the inconvenient parts left in. 7 min August 22, 2026 When a payment fails: ACH returns, retries and stranded commission A returned debit is a payment that succeeded then reversed, with a code that decides what you may do next. Which two are retryable, why R10 is in a class of its own, and the bookkeeping trap that loses commission you already earned. 8 min August 22, 2026 The agency payment clause: wording that survives a disagreement The five things a payment clause has to settle, five clauses you can start from, and the three terms that cause real fights — written for the agency owner, not as another warning list for creators. 9 min August 22, 2026 Paying chatters and VAs overseas: rails, forms and the fee you did not see Why ACH cannot leave the country, where the real cost hides in a "zero fee" transfer, why the form is a W-8 and the test is where the work was done, and the classification risk a chat team walks into. 9 min August 22, 2026 The agency month-end close: a checklist that ties to the bank Seven steps in the order they have to happen, the three-state tie-out every commission must satisfy, and the reconciliation that catches the error nobody sees — the invoice that was never raised. 8 min August 22, 2026 When the money comes back: refunds, chargebacks and commission already taken A reversal travels back up the chain automatically until it reaches you, and then it stops. Who absorbs it, why you credit the next invoice instead of refunding, and the netting mistake that produces an unauthorized return. 8 min

Written by Charlie Gatz, founder, onlyflow. Builds the settlement rail OnlyFlow runs on. Writes about how agency money actually moves, because almost nobody does.