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Chargebacks are one of the most frustrating issues OnlyFans creators face.
A subscriber enjoys your content, pays for it, then disputes the charge with their bank and gets their money back. You lose the earnings, and sometimes more.
This guide covers how chargebacks work on OnlyFans, why they happen, prevention strategies, and what to do when one occurs.
Understanding the basics.
A chargeback is when a customer disputes a charge with their credit card company or bank. The bank reverses the payment, taking the money back from the merchant (in this case, through OnlyFans, from you).
The process:
Chargebacks protect consumers from:
This protection is important, but it can be abused.
Refund: You voluntarily return payment through OnlyFans.
Chargeback: Subscriber bypasses you, going directly to their bank.
Chargebacks are worse for creators because:
Common reasons subscribers file chargebacks.
The most common reason. Subscriber purchases content, regrets it later, and disputes to get money back while keeping the content.
Subscriber does not want the charge on their statement (partner, shared accounts) and disputes to remove evidence of the purchase.
Someone's card was genuinely stolen and used on OnlyFans without their knowledge.
Subscriber does not recognize "OnlyFans" or "Fenix International" on their statement and assumes fraud.
Some subscribers test if they can get content for free by purchasing then disputing.
Subscriber felt content did not match expectations and disputes rather than asking for refund.
What happens when a chargeback occurs.
When a chargeback is filed:
Repeated chargebacks can:
OnlyFans cares about chargeback rates because they affect their relationship with payment processors.
You may or may not receive notification about chargebacks. Many creators discover them only through checking their earnings.
Strategies to reduce chargeback risk.
Prevent dissatisfaction chargebacks:
Happy subscribers do not file chargebacks:
Higher engagement often means more legitimate subscribers:
Potential chargeback risks:
While it does not prevent chargebacks, watermarks:
Some creators use additional verification for large custom orders:
What to do when you get a chargeback.
Chargebacks are frustrating but common. Do not panic.
If you need to dispute:
Prevent further transactions:
For obvious abuse:
After a chargeback, consider:
Unpleasant reality: some chargebacks cannot be prevented. Consider it a cost of doing business and do not let it consume you.
What the platform does and does not do.
OnlyFans provides some protection:
Creators bear much of the risk:
If you believe a chargeback is fraudulent:
Patterns to recognize.
New subscriber with blank profile immediately buys expensive PPV or tips heavily. Shortly after, chargeback filed.
Prevention: Be cautious of immediate large purchases from new, unengaged accounts.
Subscriber makes purchases over time, then claims entire history was unauthorized.
Prevention: Engagement history helps dispute these. Active subscribers who commented and messaged clearly authorized purchases.
Subscriber purchases, consumes content, then vanishes and files chargeback weeks later.
Prevention: Limited prevention, but good records help if disputed.
Same person creating new accounts and repeating the pattern.
Prevention: Watch for similar behavior patterns. Report to OnlyFans.
Understanding your exposure.
Small chargebacks are normal. If you have:
Some content types have higher chargeback rates:
Lower chargeback rates typically:
Understanding the legal landscape.
Filing a false chargeback (claiming fraud when you authorized the purchase) is fraud. However:
Options if you believe you were defrauded:
What chargebacks are:
Why they happen:
Prevention strategies:
When chargebacks occur:
Reality check: Some chargebacks cannot be prevented. Factor this into your business expectations and do not let individual losses derail you.
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