2 Best Virtual Credit Cards For OnlyFans

May 1, 2023

Even though OnlyFans accepts several types of payment methods, Virtual credit cards are by far the favourite. And, when it comes to virtual credit cards for OnlyFans, the two best are Revolut for US and European citizens, and Koho for Canadians. Both cards are secure, offer low fees and are accepted worldwide, not just in OnlyFans.

Revolut is another giant from Europe like N26, but instead, it focuses on a lot more than just a regular banking experience. Revolut is known for offering the best international usability and savings/premium benefits and a great application, so it's certainly the option for those looking for a lot more than just a bank account on their phones.

Valid for 3 months. Expires May 25, 2024

KOHO was released back in 2017 and since then has become one of the most popular online banks in Canada. It bases its user experience on having the highest-rated mobile app, which grants a lot of customization and power to the user and their spending. It's also well known for its ample cashback rewards and the broad usability it carries within.

What Is OnlyFans?

OnlyFans is a subscription-based social media platform that allows creators to share content with their followers on a monthly subscription basis. It was originally designed for adult performers, but has since expanded to include other types of content creators, including fitness trainers, musicians, and artists. 

OnlyFans creators can earn money from their subscribers, who pay a monthly fee to access the creator's content. OnlyFans also allows creators to sell additional content and services, such as personalized videos and messages, to their subscribers. 

OnlyFans has faced criticism for its business model and for enabling the exploitation of creators, but it has also been praised for providing a source of income for creators who may have difficulty monetizing their content on other platforms. OnlyFans is available to users and creators who are at least 18 years old.

How Does OnlyFans’ Business Model Work?

Much of the content hosted on OnlyFans is protected by a paywall. To access this content, users must pay a monthly subscription fee, which is set by the creator. 

Creators receive the majority of the subscription fee, while OnlyFans takes a 20% cut. In addition to subscriptions, creators can also earn money from tips and the sale of additional content and services. 

Payment Methods Accepted By OnlyFans

OnlyFans only accepts payments through credit cards, debit cards, and reloadable prepaid Visa cards (non-reloadable Visa gift cards are not accepted). Creators can also set up a bank account to receive direct deposits from OnlyFans. 

OnlyFans accepts payments in several currencies, including US dollars, Canadian dollars, British pounds, and Euros. The specific payment methods and currencies available may vary depending on the creator's location. OnlyFans does not accept cash payments.

Here’s a summary of the payment methods accepted (and not accepted) by OnlyFans:

Accepted By OnlyFansNot Accepted By OnlyFans
Visa/Mastercard/Discover credit cards
Debit cards
Maestro cards
Reloadable prepaid Visa cards 
Virtual credit cards
Secured credit cards
American Express credit cards
Apple Pay
Google Pay
Samsung Pay
Non-reloadable prepaid Visa cards

One of the more popular payment methods on OnlyFans these days are virtual credit cards, non-physical cards that have more features and flexibility than physical credit cards. Let’s look deeper at virtual credit cards to see how we can use them to pay for OnlyFans.

What Is A Virtual Credit Card?

A virtual credit card is a type of credit card that exists only in electronic form. Unlike physical credit cards, virtual credit cards can only be used for online transactions (not in-person transactions).

Virtual credit card numbers can generally be generated by the user or provided by the credit card issuer. A virtual credit card will have a unique credit card number and expiration date, with some offering additional features, such as the ability to set spending limits or to generate one-time-use credit card numbers for added security. 

Virtual credit cards provide a secure, convenient way to make online purchases, but they aren’t accepted by all merchants. OnlyFans accepts most virtual credit cards. 

The 2 Best Virtual Credit Cards For OnlyFans

#1 Revolut (US & Europe) – Best Overall

3 Months Premium
Revolut US

Trading Fees: 0%
Security: 95% cold storage
Signup bonus: 3 months Premium

Low fees, strong platform.


Rated 4.4/5

Headquartered in London, Revolut is the ideal virtual credit card for OnlyFans because it's safe, secure and used by millions of people around the world. Revolut offers a wide range of financial services, including the ability to hold and manage multiple currencies, make international payments, and withdraw money from ATMs, while its user-friendly app offers security features like fraud protection and the ability to freeze and unfreeze your account.

Revolut users can generate an unlimited number of virtual credit card numbers from inside their Revolut account, perfect for anyone using their account for OnlyFans. If you don't want your OnlyFans transactions showing up alongside the rest of your account activity—or you want the ability to cancel a virtual card and know you won't continue to be charged a monthly fee—Revolut is an ideal fit.

Revolut supports 30+ fiat currencies and offers commission-free cryptocurrency trading on your first $200,000 in trades each month. It also offers fee-free cash withdrawals in the US, allows users to get paid up to two days early with direct deposit, and enables users to make ten zero-fee international money transfers per month.

Revolut has three plans: a $0 Standard plan, a Premium plan ($9.99/month) that includes overseas medical insurance and airport lounge access, and a Metal plan ($16.99/month) that offers additional perks like flight & baggage delay insurance.


  • Unlimited virtual cards for maximum online privacy and security
  • Unlimited nationwide USD money transfers
  • Fee-free cash withdrawals at more than 50,000 ATMs across the United States
  • Receive your salary up to two days early when being paid via direct deposit
  • 10 zero-fee international money transfers per month
  • Commission-free crypto trading up to $200k per month (1.5% – 2.5% fee above $200k/month)

Signup Bonus

3 months of Revolut Premium (worth $30) when you open your account using this link.

Best For

OnlyFans users who want unlimited virtual credit cards plus a suite of other valuable features

Valid for 3 months. Expires May 25, 2024

#2 Koho (Canada only)

Koho has a few of the core features of Revolut, though certainly not all of them. It offers a virtual card for online purchases, though you only get one set of card details, and you can't create and delete cards at will like you can with Revolut.

Koho doesn't offer crypto trading in its app, and most of its top features are fairly standard for online banks today: budgeting tools, transaction tracking, etc. It doesn't offer free ATM withdrawals (most ATM providers will charge you $2-$5), and doesn't offer free international money transfers to the US or elsewhere in the world (Canadians can always transfer money for free using INTERAC e-transfer).

Koho Premium users get 2% cashback on groceries, eating & drinking, and transportation & gas and 0.5% cashback on everything else. Koho Premium costs $9/month but doesn't offer any additional benefits aside from the improved cash back, though if you spend more than $600/month a lot on food and travel, you'll still come out ahead.

Koho isn't the best option for making purchases on OnlyFans, but if you're Canadian and looking for a safe, private way to subscribe to a creator on OnlyFans, Koho still isn't a bad choice.


  • Virtual card offers maximum online privacy and security on online purchases
  • 0.50% cashback on all purchases
  • 2% cashback on many purchases with Koho Premium ($9/month)
  • Up to 5% cashback at select retailers
  • 1.20% interest on your account balance

Signup Bonus

$20 signup bonus when you open your account using this link.

Best For

Canadians looking to keep their OnlyFans purchases separate from the rest of their transactions.

OnlyFans Payments FAQs

Does OnlyFans Accept PayPal?

No, OnlyFans does not accept PayPal as a payment option. To purchase a subscription on OnlyFans, you must use a valid credit card or debit card. 

Does OnlyFans Accept Apple Pay?

No, OnlyFans does not accept payments via Apple Pay or any other electronic wallet, including Google Pay, Samsung Pay, and PayPal.

Does OnlyFans Accept Google Pay?

No, OnlyFans does not accept payments via Google Pay or any other electronic wallet, including Apple Pay, Samsung Pay, and PayPal.

Does OnlyFans Accept American Express?

No, OnlyFans does not accept payments from American Express credit cards. This is a shame, as Amex cards are accepted almost anywhere these days.

Does OnlyFans Accept Crypto Payments?

No, OnlyFans does not accept Bitcoin or other crypto payments.

Does OnlyFans Accept Paysafecard?

No, OnlyFans does not accept Paysafecard. There was a time when OnlyFans did accept Paysafecard as an alternative payment method, but that’s no longer the case.

Are Payments To OnlyFans Safe?

Yes, payments to OnlyFans are safe and secure. OnlyFans requires a 3D Secure feature on all cards (including prepaid cards) to protect against fraud, and uses the latest encryption technology when processing payments. 

How Does OnlyFans Show Up On My Credit Card Statement?

OnlyFans charges generally show up in one of three ways on your credit card statement: 

  • OnlyFans.com
  • OnlyFans
  • OF (occasionally)

If you want to maintain greater privacy and avoid having OnlyFans charges show up next to other charges, a virtual credit card is a good solution.

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