Disclosure: We may earn a commission when you sign up through links on this page. See our full Affiliate Disclosure.
Payment Processors · By Zach Schleien · · 8 minutes
Commas (formerly FanBasis) Pricing Breakdown: What Agencies Need to Know
Start with category eligibility, then compare processing fees, payout costs and tax responsibilities.
This is part of High risk payment processing. Categories mainstream processors decline, and the accounts that approve them.
Get matched with a processor for OnlyFans agencies in 60 seconds
Free. 4 quick questions. No credit check to see your match.
How much do you process per month?
This Fanbasis pricing breakdown starts with eligibility because a fee comparison is only useful when the provider accepts your business. Agencies can evaluate Whop, while adult businesses should look at high-risk specialists such as Easy Pay Direct and merchant accounts approved for their exact category.
FanBasis renamed to Commas on July 14, 2026. It is the same company, team and payment infrastructure, not a separate processor. The previously reported platform fee and estimated combined processing rate were unsupported and should not guide your decision.
Commas does not publish pricing, and every processor's terms allow holds.
What are the standard platform fees for FanBasis?
Commas uses custom pricing based on the features a seller enables. There is no published rate card supporting a fixed platform fee plus a separate assumed processing charge. For this audience, compare providers that fit the business rather than estimating an unavailable Commas rate.
| Provider | Published processing price | Fit for this audience |
|---|---|---|
| Commas | Custom pricing; no public rate card | Not an option for the adult businesses covered here |
| Whop | 2.7% + $0.30 per domestic card transaction; no monthly fee | OnlyFans management agencies, not individual adult creators |
| Easy Pay Direct | Quote-based | High-risk merchant accounts, subject to category approval |
Whop's base card price is not an all-inclusive cost. International cards, currency conversion and optional services can add fees. Our Whop versus FanBasis agency comparison explains why business eligibility comes before headline pricing.
How fast are FanBasis payouts compared to Whop?
Commas told Processor Verdict that standard payouts arrive in 2 business days. Whop's standard payouts can take up to 5 business days, with paid faster options available. Those schedules do not make Commas an eligible alternative for the agencies covered in this article.
| Provider and payout option | Published or reported timing | Fee |
|---|---|---|
| Commas standard payout | 2 business days, according to Commas | Request written terms |
| Whop standard payout | Up to 5 business days | Check the applicable payout terms |
| Whop next-day ACH | Next day | $2.50 |
| Whop instant bank deposit | Instant payout option via RTP | 4% + $1.00 |
| Whop Venmo or crypto payout | Check availability and timing | 5% + $1.00 |
| Whop wire | Check availability and timing | $23 |
Separate payout speed from when a balance becomes available to withdraw. Review any rolling reserve terms before planning payroll or contractor payments. Our guide to merchant accounts and faster payouts for OnlyFans management agencies covers the questions to ask before applying.
Does FanBasis offer BNPL and tax compliance?
Commas offers financing through 10 partners for eligible one-time purchases, not subscriptions. That does not change its category restrictions. Its public materials do not state its merchant-of-record status, so it should not be described as automatically handling global tax obligations.
| Feature | Commas | Whop |
|---|---|---|
| Financing | 10 partners with separate fees and payout terms | Klarna, Afterpay and others; 15% per financed transaction |
| Subscription financing | Financing does not apply to subscriptions | Confirm eligibility for the proposed payment flow |
| Merchant-of-record status | Not stated in public materials | Merchant of record for card network rules and payment settlement |
| Tax collection and remittance | Confirm responsibilities in the contract | Tax merchant of record only with Whop Collects and Remits enabled; 2% when tax is collected |
For an agency considering Whop, confirm that financing covers the specific service being sold. Platform access does not establish financing eligibility for every transaction. Individual adult creators should instead seek a category-approved high-risk merchant account.
Verified September 2026. Sources: Whop pricing and seller terms, plus Commas information supplied directly to Processor Verdict.
Still comparing? Get your match in 60 seconds
Free. 4 quick questions. No credit check to see your match.
How much do you process per month?
Frequently Asked Questions
What is the total FanBasis percentage fee?
There is no verified universal percentage. Commas, the current name for FanBasis, uses custom pricing based on enabled features. Request an itemized written quote rather than adding an assumed platform fee to another processor's rate.
Which payment providers should OnlyFans management agencies consider?
Whop is an option for management agencies, not individual adult creators. Agencies can also evaluate Easy Pay Direct or a dedicated high-risk merchant account approved for their business model.
Does FanBasis support international sellers?
Commas says sellers in 100+ countries get paid on its platform. Geographic availability does not override its business-category restrictions.
Does Whop handle all sales tax automatically?
Whop is merchant of record for tax only when Whop Collects and Remits is enabled. Its tax and remittance add-on costs 2% when tax is collected. Payment settlement status alone does not mean that service is active.