Is the 20% official, and where is it stated?
Yes, and it is not a figure a third party worked out. OnlyFans publishes the creator fee itself, in its Terms of Service and in its creator payout documentation — both readable from the platform's own Terms and Help links without logging in. It is written as a flat rate, and that is the whole of it: 20% of every payment a fan makes to you, 80% to you.
People searching for the official wording are usually checking one of three specific things, so, in order. There is no earnings tier that lowers the percentage — not at any volume, not for anyone. There is no separate payment-processing charge on top of the 20%, because processing is one of the things the 20% pays for. And the split does not vary by revenue type, so a tip is not treated differently from a subscription.
On the year in the question: 20% is the rate as of the review date at the top of this page. That is the honest shape of the answer, because a published rate is only ever current as of when somebody checked it, and the way to confirm it yourself on any given day is the Terms of Service, which carries its own last-updated date. One thing worth doing if you have been quoted something other than 20%: ask whose cut the difference is. An agency, a manager or a chatting service takes its share on top of the platform's, and that share is not published anywhere — it is whatever was negotiated.
What the 20% applies to
Subscriptions, tips, pay-per-view messages, custom content, bundle purchases — all of it. There is no revenue type with a different split and no volume level where the percentage changes. This is what makes creator earnings easy to model: multiply gross by 0.8 and you have the platform side exactly. Every tool on this site, from the earnings calculator to the bundle calculator, does precisely that.
What it covers
Payment processing (the card fees a solo business would otherwise pay itself), hosting and delivery of media, the storefront, and the platform's compliance overhead. Twenty percent is steep against ordinary payment processing, but the comparison creators actually face is agencies and management services, which routinely take far more for less.
The two cuts people forget
First, currency conversion: if your bank account is not in dollars, the conversion spread takes its bite on every payout. Second, your own bank's incoming international transfer fee. Neither belongs to the platform, and together they explain why what lands is a little under the clean 80% — the payout calculator walks through it.
Fees are the fixed part — the variable is the inbox
You cannot negotiate the 20%. What you control is how much of a fan's willingness to spend ever becomes revenue, and that is decided in conversations: tips and PPV only happen when messages get answered. That variable — not the fee — is where two identical pages end up with very different months. It is the part Velvetly automates, in your own voice, with you approving every send.