The platform you sell on is usually a bigger cost than the AI chatter running on top of it. Most creators only run the AI math.
What OnlyFans actually costs
OnlyFans' published creator share is 80% across the board — subscriptions, tips, PPVs, and messages. The platform takes 20%, which already includes the payment processing on their side. There is no separate documented checkout fee charged to the creator on top.
Fans paying with international cards may see their bank's FX or international transaction fees, but those are bank-side and do not flow to OF or to the creator.
What Telegram costs
Telegram does not charge a platform commission on chat-based sales. The fee you pay depends on the payment rail you use: Stripe is around 2.9% + $0.30 per transaction; Telegram Stars takes around 5% on the creator side; crypto can be ~1%.
Side-by-side on $5,000/month
OF route: $5,000 gross - 20% to OF = $4,000 net before any AI chatter fees. Add a $99/month AI tool with 8.5% commission = $4,000 - $425 = $3,575 net.
Telegram route: $5,000 gross - 3% processor = $4,850 net before AI chatter. Add KVIQBOT at $30/month = $4,820 net.
Gap: $1,245/month more on Telegram, every month.
The catch
Telegram migration is not free. Fans on OF are habituated to OF's checkout flow. You need either a manual outreach play or an AI chatter that handles the migration message. The bigger cost is the soft cost of building trust on a second platform — measured in weeks, not dollars.