Are You Currently Stuck In “How to Pay For OnlyFans Without Credit Card?” Let Me Help

| Updated on February 29, 2024

OnlyFans since its launch in 2016 has tempted various creators into its web. If you are one of its users or a future incoming one and facing payment queries in OnlyFans then tune in because we are going to unlock everything related to the OnlyFans payment stuff like how to pay for OnlyFans without credit card, how to pay for OnlyFans from PayPal, or how to pay for OnlyFans without a card. 

OnlyFans & It Subscription

OnlyFans is a platform that pays creators from fitness to musicians, a space to grow economically with their fan following through monthly subscriptions and pay-as-per-view (PAV).

Content creators earn through their engaging fan subscriptions and charges. Famous artists like Cardi B and Bella Thorne too have joined this platform and earned an inflated amount in just a day. 


Crispy Fact : Through OnlyFans, Bella Thorne has earned 1M in a day after joining the OnlyFans platform. Isn’t this breath-numbing news?

All you need is a subscription and follow the creator. So if you have currently liked someone’s content in OnlyFans then even for viewing someone’s profile and watching the content you need to pay.

There are strict security terms and conditions for uploading content and payment methods. 

OnlyFans leverages the audience to join the platform through a profile with an anonymous profile name and post. 

The payment made to the creators is through third-party employment. The credential that is required to pay the creator is a credible email and account address.

Payment Methods Available For OnlyFans Users

accepted Payments methods

OnlyFans provides the liberty to its users to pay the creators, their content, and their profile, through various payment methods. Below a brief through points are provided to acquaint you with payment methods that OnlyFans allows.

  • OnlyFans doesn’t support non-banking financial institution, third-party payment.
  • Payments from applications like PayPal, Apple Pay, Google Pay are not supported by OnlyFans.
  • It also allows credit card payment and debit cards for its users to pay subscriptions.
  • You are free to pay through virtual cards.
  • Visa and Mastercard payment methods are also available on OnlyFans.


Not all prepaid cards are acceptable by OnlyFans.

Well, I’m sure you are not here to have an overview about OnlyFans. So let’s get on to talking about what you are concerned about, which is to know about can you subscribe to OnlyFans without a credit card. Or do you need a credit card for free OnlyFans? Let’s discuss this. 

How to Subscribe to OnlyFans Without a Credit Card?

I bet you are also one of those people who don’t believe in divulging their credit card details or maybe one of those who don’t even own a credit card these days, and that’s why you are here. Well, it’s not your fault basically, especially in the era of net banking and all. 

So I’m sure you are wondering ‘how can I use OnlyFans without a credit card, here, you will get to know it all. But before you get ahead with anything. Let’s be clear with one thing, you must be aware that there are creators on OnlyFans who charge from their audience on a monthly basis, so you can’t use OnlyFans without a credit card for those paid creators. So for them, you won’t be able to proceed without a credit card. 

However, if you sign up for OnlyFans to view content from free creators, then the sky is your limit. Use the platform as much as you want and you won’t be asked for any card details, be it credit or debit. Let’s see how to do that. 

Ways to Use OnlyFans Without a Credit Card

Here are five ways you can use OnlyFans without a credit card:

  1. Use the OnlyFans viewer tool where you can find your friends easily. 
  1. If you are reluctant to use a credit card while signing up for OnlyFans, you can simply use a prepaid card or a debit card for the same. 
  1. You can also use a virtual credit card for accessing OnlyFans for free. 
  1. If any of these doesn’t fit right with you, you can opt for any alternative platform for it, like Reddit, which also offers the same content from the creators on OnlyFans.
  1. You can also opt for making money on OnlyFans and then buy subscriptions for your favourite creators. This could be a proactive approach for any user to avoid losing money from their accounts.

Check For Free Accounts on OnlyFans

A simple and one of the most preferred ways to resolve your query about ‘how to pay for OnlyFans without credit card’ and ‘how to pay for OnlyFans without credit card 2021’ is opting for free accounts on OnlyFans. The benefit of using the free accounts on OnlyFans is the creators won’t ask you for anything in return for their content. Hence, you won’t be asked to fill in your credentials. 

All you have to do is do a little research, and you may land on some of the best free pages on OnlyFans. As it is certainly not mandatory that all the OnlyFans accounts are paid and you have to pay the creators to get access to their content, some of them actually offer the best and even the most relatable content at no cost. 

Use the Virtual Card

Another way to use OnlyFans without credit cards is by using any other card, they are almost like credit cards only. Unlike credit cards, when you use a virtual card, you make the payment with your bank account only, you can say they are technically debit cards only. The only difference between traditional debit cards is that with a virtual card, you don’t need to have a bank account to use them. 

With this, all you have to do is load the money directly on your card and make use of it. In fact, if the balance on your card is low, you can even add more funds to it, and all of this without even having a bank account. 

Another way to use OnlyFans without credit card is by using a virtual card. For this, you will receive an access code for your disposable card in your email within a few minutes of making the payment. 

Once the card is activated, you can use your 16-digit Mastercard number to buy a subscription to any account on OnlyFans anonymously. This way, you can get access to your favorite accounts on OnlyFans and maintain your privacy too. 

And once you have activated your virtual card on OnlyFans, you can set up the card on your account easily. Not just that, the card can also be used for wallet top-ups as well. 

However, there are a few reasons that your virtual card payment transactions may decline, here’s what could be the possible reasons for it- 

  • Insufficient funds. 
  • You entered the wrong card credentials.
  • The billing address does not match the information on the card. 

So before your card is blocked, you will be able to try it three times. Hence, make sure you provide all the credentials asked correctly. 

Make Money to Support the Subscription 

Can you use OnlyFans without a credit card? Can you subscribe to OnlyFans without credit card? Of course, another proactive way to do it is first earning on OnlyFans and then getting on to buying a subscription for it. Since it has been classified as a self-employed income source, anyone can earn on OnlyFans. This way, the money won’t come from your account, so you won’t be at risk of revealing your identity to the creators. 

There are various ways of making money on OnlyFans, you can either join the platform as a creator or use your skills to write about it on various platforms. 

Let’s now get on to understanding the monetization process of OnlyFans. 

OnlyFans Monetization 

Talking about OnlyFans’ monetization process and algorithm, has three different ways of monetizing its platform. Let’s have a look:

Pay Per View

The very first one is Pay Per View, one of the most popular options. The reason behind it being so preferred is that creators can directly get in touch with their subscribers and can even advertise to them the way they want. These are basically ads that are targeted to the ones with matched interests. 

Pay Per Action

The other one is Pay Per Action, where creators get to advertise in a series of interactive micro-apps. These apps are quite similar to search engines or video-sharing sites, the only difference is that they are executed within the OnlyFans platform. This way, every time a visitor finishes viewing a show, the creator gets a reward. 

Paid Actions

And the last one for monetization is via paid actions. It is quite straightforward to understand, the user visits the OnlyFans website and watches an explicit video. After this, the website itself tracks the IP address of the viewer and then calculates the duration of time the video has been viewed by the user. 

Now from the collected information, the website will be able to understand the quality as well as quantity of content that is most watched and how much a particular creator will be able to make from that exposure. And not just that, it collects some further data as well that helps the site determine the earnings of each member. 


Can you use OnlyFans without a credit card?

Yes, there are various ways to subscribe to OnlyFans without a credit card;

  • Use the virtual credit card.
  • Look for free creators.
  • Use the OnlyFans search tools.
  • Make money on OnlyFans and then use it for further subscriptions.
  • Use the prepaid visa card.
What are the Other ways of payment on OnlyFans?

If you are reluctant to use your credit card on OnlyFans, you can simply opt for a virtual credit card for the same.

How to earn money on OnlYFans?

There are multiple ways to earn money on OnlyFans:

  • Marketers can use it to promote affiliate products.
  • Use it to drive traffic to your sites.
  • Use it as a social networking site to connect with people with similar interests.
  • Showcase your talent and get subscribers.

Janvi Panthri

Senior Writer, Editor

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