How to Hide Your OnlyFans Payments History

There are around 420 million monthly active users on OnlyFans, a social media platform featuring digital marketing advice, fitness content, vocabulary lessons, and anything else you can think of. There's also porn, porn catering to literally any interest or fetish that exists on Earth. If you’d like to join up and enjoy said porn (or cooking lessons), but you’re not keen on anyone knowing you’re spending money on OnlyFans, here’s how to keep your payments a secret.

How do OnlyFans charges appear on credit card and bank statement?

If you were hoping OnlyFans might bill themselves as “Amalgamated Tech Services” or some other ambiguous sounding moniker on your credit card statement, sorry: charges to OnlyFans will appear in bank statements as “OnlyFans” or “OnlyFans.com,” and every transaction will show up on your credit card or bank statement, so anyone who sees your financial statements will know what’s up.

Can you use OnlyFans without a credit card?

Any adult can sign up for an OnlyFans account without giving up credit card details or any other information beyond a valid email address. But that will only let you see the OF content that’s available to free accounts. When you click on a creator’s account, you’ll be taken to their feed and learn that racy content requires a subscription; so does sending an OnlyFans creator a tip and, usually, a message.

Creators can charge from $4.99 per month to $49.99 per month for paid subscriptions, but many offer subscriptions to content for free—but you still need to add a credit card to your account to access a free subscription. OnlyFans will charge you a dime for this, mainly as a way of verifying your age and your card’s legitimacy, but that charge will still show up on your statements.

What payment methods does OnlyFans accept?

According to the company, OnlyFans accepts Visa, MasterCard, Discover, Maestro, debit cards, and some prepaid Visa cards. It does not accept gift cards, PayPal, or any crypto currency. It does not accept any third-party form of payment either. There are sites on the internet that claim to offer anonymous third-party payments to OnlyFans, but these are scams looking to bilk the horny (or especially eager budding chefs) out of their personal data.

“Some prepaid Visa cards” is a bit vague, but it basically means any Visa debit card that isn’t a non-reloadable gift card, like this One VIP Visa card or this Ace Elite card. This is your best method of getting away with secretly paying for OnlyFans.

How to pay for OnlyFans without leaving a paper trail

If you're concerned about having your OnlyFans habit revealed by the bills your credit card company or banks sends, most will allow you to opt-in to paperless billing if you fill out an online form. Your OnlyFans payment will still be connected to your identity though. If you want to more secrecy, you can go with a pre-paid debit card.

Prepaid cards generally don’t send any paper statements to your home. On the downside: they often charge signup fees, monthly fees, and individual transaction charges that can be fairly predatory. So make sure you know the terms before your sign up.

It’s easy to sign up for a prepaid debit card online, but you’d still need a way to transfer the money into it. Maybe it would easier to explain that payment on your bank statement than “OnlyFans,” but if your situation requires more discretion, you can rely on old fashioned paper money to keep things anonymous.

Many prepaid credit cards allow you to load them with money by paying with cash at a retail location. Some require an address, and some just a zip code. If you do need to give an address, a PO box will work. It will probably cost a little extra to load it with cash, but if you want to ensure your privacy, you’ll have to accept the additional fees.

So, for truly anonymous OnlyFans use, buy a prepaid Visa, Mastercard, or Discover card at a local retailer using cash, provide only a PO Box for your address, then load your card up with cash every month to keep your OnlyFans subscriptions up to date. It’s a hassle, and you’ll end up paying more than a more open person would, but you won’t leave a paper trail.

You probably shouldn’t hide your OnlyFans purchases, though

I’m not judging anyone—there are plenty of scenarios where paying for OnlyFans secretly wouldn’t be morally questionable—but you should at least consider whether what you’re doing is wrong, particularly if you’re going to such lengths to hide your purchases and payments from your spouse or partner.

Unless you have a prior “don’t ask; don’t tell” agreement or something, this is not a road you want to head down if you care for the long-term health of your relationship, as it’s both a financial and emotional betrayal. More than paying for anonymous porn, for many users, OnlyFans’ draw is often the pseudo-personal connection they form with their favorite content creators. If that’s what you’re paying for, or if you can’t bring yourself to be honest with your partner about your porn habits, you probably need to focus on your IRL relationship.