ONLYFLOW

How it works

They get paid. You get your cut.

Nobody sends an invoice and nobody chases anybody. OnlyFans pays your creator, we see the money land in their bank, and your share moves the same day — and they were told the exact amount first.

The sequence

What happens, in order.

09:24:07Payout observed A credit matching an OnlyFans payout descriptor lands in the connected account. $10,000.00. We read the bank, not the platform — there is no OnlyFans API and we never hold anyone’s login.
09:24:07Contract matched Signed, countersigned, in force. $3,000.00 of $10,000.00 — 30%, the rate on the agreement, not a rate anybody typed in today.
09:24:19Notice sent The exact figure, in writing, to the creator — before anything moves. On a personal account that notice is a legal duty with a 10 calendar day window (Reg E §1005.10(d)(1)); on a business account we still send it at 48 hours, because nobody should be surprised by their own bank statement.
09:52:03Debit submitted Fired against a deposit we already watched arrive — never against a calendar. That is what stops a transfer bouncing, and a bounced transfer is how creators lose bank accounts.
+1 daySettled Funds available. If a chatting team is owed a share, it is raised the moment this settles — and when OnlyFans pays the agency rather than the creator, everyone is paid out of the same receipt in one act. Nobody invoices anybody. Total human effort across all five steps: none.

Step four fires against money we already watched arrive, so the funds are provably there when the transfer goes. That is what stops it bouncing.

Why the bank, and not the platform

There is no OnlyFans API.

Every tool that claims otherwise is asking a creator for their login. We built this so we never have to ask — and reading the bank turns out to be the only honest place to read from anyway, because three of these four things can be true while no money exists.

  1. 01

    A fan pays

    A number moves on a screen. Nothing has left anyone’s bank.

  2. 02

    It clears

    Days later it becomes withdrawable. Still not money anyone can act on.

  3. 03

    A payout is requested

    On its way — and still reversible.

  4. 04 the only one that counts

    The credit lands

    Money is in a real bank account. This is the only clock we settle against.

Every other product reads clock one or two, because that is what a screen‑scraper can see — and it is also all a login gets you.

The part everyone else leaves out

And when it doesn’t work.

You are looking for the case we are hiding. Here it is, drawn: every way a transfer can fail, and what happens next.

accepted
settled
returned R01 / R09
retried once — then settled, or stopped
any other return
stopped, and that bank quarantined

Nacha permits a returned entry to be re-presented once, and only for R01 and R09. We do not retry into a wall — retrying into a wall is how an originator loses the right to move money for anybody.

R01Not enough in the account that day.Retried once
R09Funds are there but have not cleared yet.Retried once
R02 / R03 / R16Account closed, not found, or frozen.Stopped · you are told
R07 / R08They turned off automatic payments, or placed a stop.Stopped · never retried
R10They say they did not authorize it.Stopped · escalated to us
R11Our amount or timing was wrong. That one is ours.We fix it, no re‑authorization

Say the bad part out loud

What OnlyFlow will
never do.

Not a promise about our intentions. Each one is a guard in the code with no override — no force flag, no admin bypass, no “just this once”.

01

Never ask for an OnlyFans login. No password, no two‑factor code, no session cookie. There is no OnlyFans API — every tool that claims one is asking a creator to hand over their account, and that is what gets accounts banned.

02

Never move a dollar nobody authorized. A signed, countersigned, in-force contract, at the rate it was agreed at, against a deposit we watched arrive. Miss any one of those and nothing moves.

03

Never take our fee out of a transfer. We bill you at month end from your own account. Money moving between you and your creator arrives whole. Netting a fee out of it would make us a money transmitter — and make the number they receive a surprise.

04

Never debit before the notice. The exact figure goes to the creator first, in writing. If our provider cannot confirm it arrived, the debit does not fire — the software refuses it.

05

Never charge a creator anything. Not a fee, not a percentage, not a deduction. If one ever appears on their side, that is a bug and we want the call.

06

Never retry into a wall. R01 and R09 get one retry. Everything else stops and quarantines the bank — even when retrying would have paid you sooner.

Built to refuse

Thirty-two things
it will not do.

Each one stops the money and says why. None has an override.

INV-ACCOUNT-RECONCILE
INV-AGREEMENT-TEXT
INV-AUTH-TEXT
INV-AUTHORIZED
INV-BANK-ACTIVE
INV-CAP-PCT
INV-CHECKING-ONLY
INV-CONTRACT
INV-DISBURSE-COVERAGE
INV-DOWNSTREAM-COVERAGE
INV-ENGAGEMENT
INV-FRESH-KEY
INV-MATCHED-DEPOSIT
INV-MIN-DEBIT
INV-MODEL-NOT-LIABLE
INV-MODEL-SHARE
INV-NEVER-STRAND
INV-NO-CUSTODY
INV-NO-DEAD-END
INV-NOT-DISPUTED
INV-NOTICE
INV-NOTICE-ELECTION
INV-ORIGINATOR
INV-PARENT-SETTLED
INV-PAYEE-ACCOUNT
INV-PER-TXN-LIMIT
INV-RISK-GATE
INV-NO-WAIVER
INV-SCOPE
INV-SEC-CODE
INV-TAA-CALIFORNIA
INV-TERMINAL

Each exists because the failure it prevents already happened to somebody, on a real payments platform. Where an older system had an override, the override was the incident.

Where the money actually goes

We never hold it.
Not for a second.

Money moves from payer to payee through a licensed payment provider. It never passes through an OnlyFlow account, because holding someone else’s money is a regulated activity and we did not build a regulated business.

Our fee is billed, never netted. It comes out of the agency’s own account at month end, on its own line, and never from a transfer.