Payment Processing Comparison · By Zach Schleien · · · 8 mins
Commas (formerly FanBasis) Fees Explained: What You Actually Pay Per Sale
Understand published fees, quote-based pricing and category restrictions before comparing the total cost of agency payments.
This is part of High risk payment processing. Categories mainstream processors decline, and the accounts that approve them.
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Searching for FanBasis fees or the Commas payment processor's rates? 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 presented an estimated fee range as an established rate. That was unsupported. Commas does not publish pricing, and every processor's terms allow holds.
Commas serves coaches, course creators, paid communities, and marketing, growth and SEO agencies. Those supported categories should not be confused with OnlyFans management agencies. For this page's agency audience, category acceptance comes before price.
Affiliate disclosure: We may earn a commission if you sign up through sponsored provider links on this page.
What does Commas payment processing cost?
Commas payment processing has no published rate card: creating an account is free, and payment fees depend on the features enabled. Commas told us they will match or beat your current rate, but a Commas merchant should obtain a written quote rather than assume a standard per-sale fee.
| Cost item | Verified information |
|---|---|
| Account creation | Free |
| Processing | Not publicly priced; depends on enabled features |
| Standard payouts | Commas told us they arrive in 2 business days |
| Dispute fee | Not public |
What Is the Standard Commas (formerly FanBasis) Platform Fee?
There is no published standard Commas processing rate. Free account creation does not mean free processing or establish that every feature has no recurring cost. There is no verified basis for the estimated percentage range previously included in this article.
| Provider | Published base pricing | What to check |
|---|---|---|
| Commas | Free to create an account; processing pricing is not public | Request a written quote covering enabled features |
| Easy Pay Direct | Quote-based; no public rate card | Obtain category approval and complete merchant account terms |
| Whop | 2.7% + $0.30 per domestic card transaction; no monthly fee | International cards, conversion and optional services add costs |
For an agency, compare the cost of collecting management fees, not an assumed rate for processing fan payments. Your application should describe what you sell, who pays you and how you deliver the service. Easy Pay Direct considers adult businesses through underwriting, but that does not establish approval for a particular agency or creator.
Our high-risk payment processor guide explains category fit. The comparison of high-risk merchant account providers explains what to request before signing.
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 counted as a processing expense. Ask for both terms before signing.
| Provider and payout option | Verified cost or timing |
|---|---|
| Commas standard payout | Commas told us 2 business days |
| Whop standard payout | Can take up to 5 business days |
| Whop next-day ACH | $2.50 |
| Whop instant bank deposit | 4% + $1.00 |
| Whop Venmo or crypto payout | 5% + $1.00 |
| Whop wire | $23 |
| Easy Pay Direct | Request payout charges and timing in the written quote |
An instant payout option does not override a hold. For a dedicated high-risk merchant account, request the payout schedule, reserve conditions and release 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 add fees, potentially lost revenue and staff time to your processing costs. 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 | Separate from the disputed payment |
| Whop early dispute alert | $29 per alert | An alert does not ensure that a chargeback will be avoided |
| Commas dispute fee | Not public | Do not borrow another provider's fee |
| Easy Pay Direct dispute fee | Quote-based | Review the account's dispute and alert terms |
For management services, keep signed agreements, clear billing descriptions and evidence of work delivered. These records support dispute responses but do not ensure a win. If a customer asks about a Commas charge or a “commas.com charge,” check the receipt and transaction record before identifying the underlying purchase.
Read our guide to payment processing for agencies managing chargebacks and our overview of fraud prevention tools for high-risk merchants. Easy Pay Direct offers chargeback monitoring and alerts, but you should confirm their costs and scope in your quote.
Whop vs. Commas (formerly FanBasis): Which Is Cheaper for Scaling Agencies?
A reliable price ranking is not possible without a Commas quote. For OnlyFans management agencies, the useful comparison is instead Easy Pay Direct for a dedicated high-risk merchant account versus Whop for agency service payments.
| Cost or feature | Easy Pay Direct | Whop |
|---|---|---|
| Base processing | Quote-based | 2.7% + $0.30 per domestic card transaction |
| International cards | Request terms | Additional 1.5% |
| Currency conversion | Request terms | Additional 1% |
| Optional billing | Request feature pricing | 0.5% |
| Tax collection and remittance | Confirm responsibilities in the agreement | 2% when tax is collected |
| Account structure | Dedicated merchant account with upfront underwriting; gateway supports multi-account routing and failover | Merchant of record for card network rules and payment settlement |
Whop acts as merchant of record for tax only when “Whop Collects and Remits” is enabled. Its base card rate does not include every optional service. Do not assume Commas has the same merchant-of-record arrangement: that status is not stated in its public materials.
For individual adult creators, seek a dedicated merchant account specifically approved for adult entertainment, not the agency recommendation. Easy Pay Direct explicitly considers adult products, entertainment and websites, with each application subject to underwriting.
Choose using written category acceptance and a total-cost quote covering processing, payouts, disputes and optional features. Our Whop vs. Commas comparison for creator management agencies provides additional context.
Verified September 2026. Sources: Commas, including direct statements to Processor Verdict; Whop; Easy Pay Direct.
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Frequently Asked Questions
Does FanBasis charge a monthly fee?
FanBasis is now Commas. Account creation is free, but there is no public rate card. Fees depend on enabled features, so a free account does not establish that every service has no recurring cost. Request a written quote.
Is Whop an option for individual OnlyFans creators?
The Whop recommendation here is for OnlyFans management agencies collecting service payments, not individual adult creators. Individual creators should seek a dedicated merchant account specifically approved for adult entertainment.
Does Whop charge extra for international payments?
Yes. Whop adds an international-card charge and a separate currency-conversion charge when applicable. Include both in the total-cost comparison rather than relying on the domestic card rate alone.
Does Commas publish its chargeback fee?
A specific Commas chargeback fee is not public in the verified information for this guide. Obtain it in writing rather than assuming another provider's dispute fee applies.