Commas (formerly FanBasis) Fees Explained: What Agencies Need to Know

Start with category acceptance, then compare processing, payout and dispute costs. A low advertised rate is not the whole bill.

This is part of High risk payment processing. Categories mainstream processors decline, and the accounts that approve them.

Searching for Fanbasis fees? FanBasis renamed to Commas on July 14, 2026. It remains the same company, with the same team and infrastructure, and existing accounts kept working.

The previous version of this guide presented an estimated fee range as though it were an established rate. That was not supported. Commas does not publish pricing, and every processor's terms allow holds.

For an OnlyFans management agency, the useful comparison starts with providers that support the business model. Below, we separate published fees from quote-based terms and explain which costs belong in your budget.

What Is the Standard Commas (formerly FanBasis) Platform Fee?

There is no published standard Commas processing rate. Creating an account is free, but payment fees depend on the features enabled. Free account creation does not mean free processing, and there is no verified basis for the original article's estimated percentage range.

Provider	Published base pricing	What to check
Commas	Free to create an account; processing pricing is not public	Feature-dependent fees require a written quote
Whop	2.7% + $0.30 per domestic card transaction; no monthly fee	International cards, currency conversion and optional services add costs
Easy Pay Direct	Quote-based pricing	Request category approval and complete merchant account terms

For an agency, compare the cost of collecting your management fees, not an assumed rate for processing fan payments. Make sure the application describes what your business actually sells and who pays you.

Are There Extra Costs in Payouts and Reserves?

Payout charges and reserves affect cash flow differently. A payout charge is a fee. A reserve or hold limits access to money and should not be treated as a processing expense. Ask for both terms before signing.

Whop payout option or term	Published cost or timing
Standard payout	Can take up to 5 business days
Next-day ACH	$2.50
Instant bank deposit	4% + $1.00
Venmo or crypto payout	5% + $1.00
Wire	$23
Contractual hold allowance	Up to 100% of funds for up to 180 days

An instant payout option does not override a hold. For Easy Pay Direct or another dedicated high-risk merchant account, request the payout schedule and reserve terms in writing. Our OnlyFans management agency payment processing guide explains how to approach category approval before comparing costs.

How Do Chargebacks Impact Your Effective Rate?

Disputes can add fees, lost revenue and staff time to your processing bill. To assess your effective fee rate, divide total payment-related fees by gross processed sales. Track disputed revenue separately so it does not disappear inside a headline processing percentage.

Provider or service	Verified dispute pricing	Important limit
Whop dispute	$15 per dispute	The fee is separate from the disputed payment
Whop early dispute alert	$29 per alert	An alert does not promise that a chargeback will be avoided
Commas dispute fee	Not public	Do not assume another provider's fee applies
Easy Pay Direct	Request a written quote	Review the merchant account's dispute terms

For management services, keep the signed agreement, clear billing descriptions and evidence of work delivered. Those records support dispute responses but do not ensure a win. Read our guide to payment processing for agencies managing chargebacks for more selection criteria.

Whop vs. Commas (formerly FanBasis): Which Is Cheaper for Scaling Agencies?

A reliable price comparison is not possible because Commas has no public rate card. For this audience, it is also not an eligible alternative. Compare Whop for agency service payments with a category-approved high-risk merchant account instead.

Cost or feature	Whop	Easy Pay Direct
Base processing	2.7% + $0.30 per domestic card transaction	Quote-based
International cards	Additional 1.5%	Request terms
Currency conversion	Additional 1%	Request terms
Optional billing	0.5%	Request feature pricing
Tax collection and remittance	2% when tax is collected	Confirm responsibilities in the agreement
Account structure	Merchant of record for card network rules and payment settlement	High-risk merchant accounts with multi-account failover routing

Whop acts as merchant of record for tax only when “Whop Collects and Remits” is enabled. Do not assume its base card rate includes tax handling or every optional service. For individual adult creators, start with a dedicated high-risk merchant account approved for adult entertainment, not the agency recommendation.

Choose using a written total-cost quote and category approval. Our Whop vs. Commas comparison for creator management agencies provides additional context.

Verified September 2026. Source: Whop published pricing and seller terms; Commas eligibility and pricing information reflect its direct statements to Processor Verdict.

Frequently Asked Questions

Does Fanbasis charge a monthly fee?

FanBasis is now Commas. Account creation is free, but Commas does not publish a rate card. Fees depend on the features enabled, so a free account should not be read as a promise that every service has no recurring cost.

Is Whop an option for individual OnlyFans creators?

The Whop recommendation here is for OnlyFans management agencies, not individual adult creators. Individual creators should seek a dedicated high-risk merchant account specifically approved for adult entertainment.

Does Whop charge extra for international payments?

Yes. Whop's domestic card rate is 2.7% + $0.30, with an additional 1.5% for international cards and an additional 1% for currency conversion.

Does Commas publish its chargeback fee?

A specific Commas chargeback fee is not public in the verified information available for this guide. The original article should not have implied a known fee or borrowed a fee from another processor.

More in High risk payment processing

See the full high risk payment processing guide