Payment options may be one of the biggest obstacles standing in the way of getting your Onlyfans account up and running, but don’t worry! This guide will help you find an alternative to paying with your credit card while still keeping your account safe and secure. In this guide, you’ll learn how to pay for onlyfans without a credit card, as well as how to protect yourself from potential fraud and scams.

Paying with PayPal

The good news is that you can pay for onlyfans through PayPal. First, connect your PayPal account and create an account on ONLYFANS.

How to Pay for OnlyFans Without a Credit Card

Then, simply select Pay with PayPal when you are setting up your payment information and follow their prompts. The downside is that there may be a slightly longer processing time (typically around 3 days) because it has to be manually verified by someone at ONLYFANS.

That being said, if you don’t have access to any of these other payment methods and still want to sign up, then using PayPal might be your best bet—just make sure you plan ahead so that it won’t delay setting up your profile!

Paying with Bitcoin

Though it’s possible to pay with credit cards on OnlyFans, using Bitcoin is definitely easier. If you don’t know what that is, it’s a cryptocurrency. It works just like money, but it only exists digitally.

How to Pay for OnlyFans Without a Credit Card

Think of it as an internet-based currency (though some say it still has problems in that department). And most importantly, there aren’t many places online where you can spend your Bitcoin yet.

Paying with Bitcoin allows you to get around that problem and start gaining followers on your site—so if you want to build up your fanbase quickly, try getting Bitcoins and paying with them instead of swiping your card.

As long as you don’t run into any complications, paying in cryptocurrency is quick and easy. It takes less than 15 minutes from registering at Coinbase (the most popular Bitcoin exchange) to being able to make purchases with your digital funds!

Paying with a Debit Card

If you do not have a credit card, you can use your debit card instead. If you want to pay with your debit card, sign up with It’s free and easy to set up.

Once that’s done, go back into your account settings on OnlyFans and under Payment Options choose as your payment method. That’s it! From now on, anytime someone pays you with an ACH bank transfer via or Stripe, it will automatically come out of your checking account— no cash ever has to change hands!

While you don’t have to have a credit card, you do need an account with or Stripe in order to use their services. is free and there is no minimum amount required, though it does charge you 2% of every transaction.

To sign up with Stripe, you need to create an account and verify your phone number. Stripe charges a small processing fee of 2.9% + 30 cents per transaction and has no minimum amount required.

Paying with your Bank Account

You can’t just pay with your credit card on OnlyFans; instead, you must use one of their payment providers. One way around needing to use a credit card is to deposit money directly into your account via your bank.

Banks don’t usually charge foreign transaction fees when you transfer money between your accounts, which means depositing funds through them will be cheaper than doing so via PayPal or another third-party payment system.

However, each bank has its own stipulations as far as how much money you can deposit at once and how often you can do it; if you get one of those systems in place early on, it could save you time later on down the line.

If you plan on using your bank account, keep in mind that it may take up to five business days before you can pay with it.

Paying with Store Gift Cards

Most of us have gift cards lying around somewhere, so if you don’t have a credit card, look around your house and see if you can find any gift cards that you can use.

Many sites will allow you to buy Gift Cards with other Gift Cards as well, which will save you even more money! If all else fails, try getting some money transferred over through Paypal or Venmo.

If one of your friends owes you money, chances are they wouldn’t mind transferring it to you via PayPal and we all know how easy it is to transfer funds between two bank accounts! You might also want to see if your local store (the one from where you purchased that Gift Card) allows payment via Cash app!

Another way is to sell your Gift Cards online. Sites like ABC Gift Cards will buy all your unwanted Gift Cards at face value, so if you have a 100 dollar gift card and want to get rid of it, there’s no reason not to try selling it. Just make sure that you choose your platform carefully. Some sites will only pay you in store credit and others won’t even accept that method of payment!