How To Pay For OnlyFans Without A Credit Card

Privacy is a huge concern in today’s world. Hackers are getting more and more sneaky with their theft antics, which may make some people not want to use their credit cards online.

If you’re trying to subscribe to an OnlyFans creator that you really like, but don’t want to use your credit card due to privacy concerns, don’t worry. There are alternate ways you can subscribe to OnlyFans without a credit card. 

You can pay for OnlyFans without a credit card by utilizing the OnlyFans Viewer. It allows you to access any premium account of OnlyFans without needing to pay. Additionally, you can use prepaid cards, virtual cards, or using a website that streams OnlyFans that doesn’t require a credit card. 

Since there are so many methods you could use to get around having to use a credit card, it could be tough to figure out which is the best option for you. In this article, I’ll go through the methods in depth, which may help you. 

What Is OnlyFans?

OnlyFans is a British-based subscription website to which creators can be subscribed in order to follow their content. It’s a lucrative business for those who have certain talents they want to share with their followers. The creators set a monthly subscription fee to see what they post on the OnlyFans feed. However, some of them are actually free, but most will charge. 

Some who have only heard small tidbits about OnlyFans may think it’s a website for inappropriate content, but it’s not just about that. The website has chefs, entertainers, authors, and other talented individuals to that you can subscribe. 

How To Search For Onlyfans Free Creators on Fansmetrics?

If you don’t want to use a credit card on OnlyFans or subscribe, you can use This website is where you can search for OnlyFans creators that allow you to follow them for free. Additionally, there are OnlyFans creators that offer free trials for 7 days. 

Searching for OnlyFans creators on Fansmetrics is simple. All you have to do is go to the website and use the search bar to find OnlyFans accounts by name, TikTok, Instagram, and more. You can also click on one of the various categories such as top, free, trial links, news, deals, and TikTok. You can also search by location, category, and accounts near you.  

Accepted Payment Method on OnlyFans

When you sign up for OnlyFans, there are a few payment methods you can use. When you subscribe to a creator, OnlyFans will take 20% of the subscription fee and then the rest of the money will go to the creator. 

As of right now, the only accepted forms of payment on OnlyFans are: 

  1. Visa credit and debit cards
  2. Mastercard credit cards and debit cards
  3. Discover credit cards and debit cards
  4. Maestro cards
  5. Select Visa prepaid cards

As of right now, OnlyFans doesn’t support American Express cards for subscriptions. Additionally, they do not accept payments from PayPal or gift cards.

If your card doesn’t have 3D Secure authentication, they will not accept this either. The 3D Secure Authentication is an advanced security feature that transmits data between the merchant, card issuer, and cardholder. It’s designed to reduce the risk of card-not-present fraud and ensures cards that are stolen can’t be used for online purchases. 

Due to this, OnlyFans will also not support payments from Apple Pay, Samsung Pay, or Google Pay.  

Will OnlyFans Payment Appear On My Credit Card Statement?

Yes, Onlyfans will appear on your credit card statement and there’s no way around it. Unfortunately, if you subscribe to OnlyFans, it can be viewed by anybody who has access to your credit card or bank statement.

The label that appears on your statement will read “”. Sometimes, you may see the letters “OF”, but it depends on the transaction. If you don’t want your subscription to be seen on your credit card or bank statement, you will have to find an alternative payment method. 

How To Pay For OnlyFans Without A Credit Card

Since most OnlyFans creators charge a monthly subscription fee to earn money from their talents, you will need to provide them with a verified payment method.

When you use your credit or debit card, it will show up on the statement. If you want to avoid this or don’t want to use your card for security reasons, here are some proven methods to help get you started. 

1. OnlyFans Viewer Tool Is The Best Way

The OnlyFans Viewer Tool is a third-party tool that can be used to see OnlyFans for free. The OnlyFans Viewer Tool uses the OnlyFans API code to show content you may want to see. Once you complete the verification on the app, you will have access to various premium profiles. 

The issue with third-party apps is that they’re unverified and nobody knows where they come from. However, this tool allows you to search for creators displaying their content for free or offering 7-day free trials to interested users. 

Once you go to the website, you can search for a creator based on their name, TikTok handle, Instagram, and more. You can also search by category, location, and accounts that may be near you. When you use this tool, there will be no charge to your credit card, and nobody but you and the creator will know you’ve seen them. 

2. Use A Virtual Credit Card

Virtual credit cards allow you to use real money virtually. You don’t have to sign up for a bank account.

All you have to do is pay a small fee and you’ll be provided with a virtual credit card. However, that virtual credit card will be linked to a credit or debit card, so keep that in mind. When you get this virtual card, you can purchase your OnlyFans subscription discreetly.  

Furthermore, virtual credit cards are safe. The numbers generated for them are disposable and are designed to keep the actual account number from getting into the wrong hands and being reused.

One such virtual credit card company is Each website has its own way of creating a digital card. Here’s how it goes:

  1. Visit the website of your choosing, such as
  2. Choose the credit card you want to use
  3. Enter your details
  4. Verify with an OTP to submit your application
  5. Get instant approval in principle
  6. Successfully validate your information
  7. Receive your virtual credit card

Once you have your virtual card, you can enter the card details on OnlyFans to begin your subscription. 

3. Prepaid Card

Some prepaid visa cards are accepted on There isn’t a set list of accepted cards, but as long as it’s not a non-reloadable gift card, it shouldn’t be an issue. The reason for this is that prepaid Visa cards can be used online the same way as a credit card can. 

Prepaid debit cards are easily accessible. Some of the most popular ones include: 

  1. ACE Elite Visa Prepaid Debit Card
  2. NetSpend Visa Prepaid Card

The list is quite small, but these two prepaid cards can help keep your subscription a secret. To use a prepaid debit card, you will need to have a bank account. This is so you can transfer money to the card when needed. There are no documents attached to the prepaid visa card which is one of the best alternatives to a credit card.

To get a prepaid Visa card, you will have to follow these steps: 

  1. Go to the website of the prepaid card issuer
  2. Enter the required information
  3. Submit the application

Once your prepaid card is empty or running low, you can top it off using your bank account if it’s linked to your prepaid account. You can even use this prepaid card to withdraw money from an ATM if you really need to. I like these cards for emergency situations so I don’t have to carry cash around with me. 

4. Third Party Platform

A third-party platform is a type of software that has been developed externally for you or your main website provider. It’s an alternative way of viewing OnlyFans without a subscription.

As mentioned above, the best third-party platform to use for OnlyFans is the OnlyFans Viewer Tool. This tool uses an OnlyFans API code to show you the content of your choosing.

This third-party app will require verification to gain access to premium profiles. The only issue with third-party platforms is that nobody but the creator knows where the app came from in terms of location.

Since these apps ask you for your credentials, it’s important to consider your privacy. They should never ask for your social security number. If they do, don’t give it to them. 

5. Check Free OnlyFans Accounts

If any of the methods I’ve mentioned so far don’t tickle your fancy, you can try looking for a free account instead. There are many free OnlyFans accounts out there, you just have to look for them. 

Unfortunately, most OnlyFans free accounts will eventually upgrade to premium ones. You’ll still be able to follow those creators looking for free exposure and increase viewership. This method won’t require you to put in any sort of credit card information to gain access to the content.

If you want to search for a free OnlyFans account, follow these steps: 

  1. Log into your OnlyFans account
  2. In the search bar, enter Free
  3. This will pull up videos with the “free” tag

These videos will be free to view, but maybe for a short time. You can also use the OnlyFans Viewer Tool to search for free content. 

6. Making Money To Support Your Subscription and Using A Prepaid Card Without Using A Credit Card

You can use a prepaid card without using a credit card on OnlyFans. Fortunately, there are proactive ways of using OnlyFans without money coming out of your bank account. Instead, it can come from online content creation. 

You can join OnlyFans as a creator or you can put those skills to good use by writing about it on various platforms, such as

This money can fund your OnlyFans subscription through your prepaid Visa card. If you earn $100 per month with content creation, you can subscribe to 20 OnlyFans creators who are offering a $5 per month subscription.  


Keeping your privacy secure and subscribing to a secret is important to you and I know that. This is why I’m hoping that this article helped you find a way around using your credit card on OnlyFans.

Remember, you can use a prepaid Visa card, create your own content to fund the subscription, and put it on the Visa, or you can use a third-party app such as the OnlyFans Viewer Tool. You can use that to search for free content and more.