Payments & Payouts Policy

This Payments and Payouts Policy explains how payments, subscriptions, creator earnings, balances, fees, refunds, chargebacks, withdrawals and payouts are handled on Fandations.

Fandations is a creator-support and knowledge-sharing platform for educational, practical, creative, professional and community-based content.

Fandations is operated by Fandations Ltd.

Website: Fandations.com
Contact email: hello@fandations.com
Head office:
41 Norman Avenue
London
N22 5ES
United Kingdom

© 2026 Fandations™ Ltd. All Rights Reserved. Fandations™ and the Fandations logo are trademarks of Fandations Ltd.

Our slogan is:

Build. Share. Earn.

This Payments and Payouts Policy should be read together with our Terms and Conditions, Privacy Policy, Cookie Policy, Creator Agreement, Refund Policy, Subscription Terms, Tax Reporting Policy, and any checkout, subscription or creator-dashboard information shown on Fandations.

1. Overview

Fandations may allow users to make payments and creators to earn money from eligible content, services and platform features.

Payments may include:

1. subscriptions;

2. paid posts;

3. one-off unlocks;

4. paid downloads;

5. paid communities;

6. creator bundles;

7. livestream access;

8. tips;

9. support payments;

10. creator offers;

11. other paid platform features.

Creators may receive eligible earnings from purchases made through Fandations, subject to this Policy, the Creator Agreement, platform fees, payment provider fees, tax requirements, refund rules, chargebacks, compliance checks, payout eligibility and applicable law.

2. Payment Processing

Payments on Fandations may be processed by third-party payment providers.

These may include, depending on the platform setup:

1. Stripe;

2. PayPal;

3. bank transfer providers;

4. card processors;

5. payout providers;

6. fraud prevention providers;

7. other approved payment services.

Payment providers may process information under their own terms, privacy notices, security rules, dispute processes and compliance requirements.

Fandations does not usually store full credit or debit card numbers directly.

You must only make payments through official Fandations checkout pages and approved payment methods.

3. User Payment Responsibilities

When making a payment on Fandations, you agree that:

1. you are authorised to use the payment method;

2. the payment information you provide is accurate;

3. you will not use stolen or fraudulent payment details;

4. you will not abuse subscriptions, refunds or chargebacks;

5. you will not attempt to bypass Fandations payment systems;

6. you will pay all charges shown before checkout;

7. you understand digital access may begin immediately;

8. you are responsible for cancelling subscriptions before renewal if you do not want to continue.

Fandations may refuse, cancel, reverse or investigate payments where we believe there is fraud, payment abuse, unauthorised use, platform misuse, legal risk or breach of our policies.

4. Creator Payment Responsibilities

Creators are responsible for ensuring that all paid offers are accurate, lawful and not misleading.

Creators must:

1. describe paid content clearly;

2. deliver paid content as described;

3. comply with the Creator Agreement;

4. comply with the Refund Policy;

5. comply with the Prohibited Content Policy;

6. avoid misleading claims;

7. avoid unauthorised financial or professional advice;

8. avoid prohibited content;

9. provide accurate payout information;

10. provide accurate tax information;

11. complete verification where required;

12. cooperate with fraud, refund, chargeback and compliance reviews.

Creators are responsible for their own tax affairs.

Fandations does not guarantee that creators will earn any money.

5. Payment Methods

Available payment methods may vary depending on location, currency, payment provider support and platform settings.

Fandations may support payment methods such as:

1. debit cards;

2. credit cards;

3. PayPal;

4. Stripe-supported payment methods;

5. wallet or balance features, if enabled;

6. bank transfer, where enabled;

7. other payment methods added in the future.

Not all payment methods will be available for every user, creator, country, currency or transaction.

Fandations may add, remove, suspend or restrict payment methods at any time.

6. Payout Methods

Available creator payout methods may vary depending on location, currency, provider rules and platform settings.

Fandations may support payout methods such as:

1. bank transfer;

2. PayPal;

3. Stripe Connect or similar services;

4. manual payout;

5. other payout methods added in the future.

Some payout methods may require additional verification.

Some payout methods may not be available in all countries.

Payout providers may charge fees or impose their own requirements.

7. Creator Earnings

Creator earnings may come from eligible transactions made through Fandations.

This may include:

1. subscription payments;

2. paid post purchases;

3. paid downloads;

4. one-off unlocks;

5. paid community access;

6. tips;

7. support payments;

8. bundles;

9. livestream access;

10. other monetisation tools.

Creator earnings shown in a dashboard may be estimates until transactions are fully settled, verified and cleared.

A creator is not entitled to receive earnings from a transaction that is refunded, charged back, reversed, disputed, fraudulent, unlawful, invalid or connected to a policy breach.

8. Platform Fees

Fandations may deduct a platform fee from creator earnings.

The platform fee may cover:

1. platform operation;

2. hosting;

3. development;

4. creator tools;

5. moderation;

6. support;

7. fraud prevention;

8. payment infrastructure;

9. compliance processes;

10. safety processes;

11. administration.

The applicable platform fee may be shown in the creator dashboard, checkout flow, creator onboarding page or relevant policy.

Fandations may update platform fees from time to time.

Where required, we will give notice of material fee changes.

9. Payment Processor Fees

Payment processors may charge fees for processing transactions.

These may include:

1. card processing fees;

2. PayPal fees;

3. Stripe fees;

4. currency conversion fees;

5. international payment fees;

6. payout fees;

7. refund fees;

8. chargeback fees;

9. bank transfer fees;

10. other provider fees.

Payment processor fees may be deducted before or after creator earnings are calculated, depending on the platform setup.

Fandations is not responsible for fees charged by banks, card issuers or third-party payment providers.

10. Taxes and VAT

Payments may include VAT, sales tax or other applicable taxes depending on:

1. user location;

2. creator location;

3. type of product or service;

4. legal requirements;

5. tax registration status;

6. payment provider settings;

7. platform configuration.

Creators are responsible for understanding and paying their own taxes on creator earnings.

Fandations may collect, withhold, report or remit taxes where required by law or platform configuration.

Fandations does not provide tax advice.

Creators should speak to a qualified tax adviser if they are unsure about their obligations.

11. Tax Reporting

Fandations may be required to collect, verify, retain and report certain creator, seller, payout, transaction and earnings information to HMRC or other tax authorities.

This may include:

1. legal name;

2. address;

3. date of birth;

4. tax identification number;

5. VAT information;

6. country of residence;

7. bank or payout information;

8. transaction information;

9. total earnings;

10. seller status;

11. account identifiers.

Failure to provide required tax information may result in payout delays, payout holds, creator restrictions or account suspension.

12. Creator Verification Before Payouts

Creators may need to complete identity, age, address, tax, fraud-prevention, payout or compliance checks before payouts are enabled.

Verification may include:

1. legal name;

2. date of birth;

3. proof of age;

4. government-issued identification;

5. proof of address;

6. selfie or liveness check;

7. payout account verification;

8. tax information;

9. business details;

10. sanctions screening;

11. fraud risk review.

Fandations may refuse, delay or hold payouts if verification is incomplete, failed, suspicious, inconsistent or legally insufficient.

13. Payout Eligibility

To be eligible for payout, creators may need to:

1. be at least 18 years old;

2. have an approved creator account;

3. complete required verification;

4. provide valid payout information;

5. provide required tax information;

6. comply with the Creator Agreement;

7. comply with all platform policies;

8. meet minimum payout thresholds;

9. have cleared and eligible earnings;

10. not be subject to a payout hold;

11. not be under active fraud, safety, payment or legal review.

Fandations may deny or delay payout where eligibility requirements are not met.

14. Minimum Payout Threshold

Fandations may set a minimum payout threshold.

This means creators may need to earn a minimum amount before requesting or receiving a payout.

The minimum payout threshold may vary depending on:

1. currency;

2. payout method;

3. country;

4. payment provider rules;

5. bank fees;

6. platform settings;

7. creator account type.

If your balance is below the minimum threshold, payout may not be available until the threshold is reached.

15. Payout Schedule

Payouts may be processed according to a payout schedule.

Payout schedules may vary depending on:

1. creator verification status;

2. payout method;

3. payment provider processing times;

4. refund risk;

5. chargeback risk;

6. transaction age;

7. country;

8. currency;

9. compliance checks;

10. platform workload;

11. manual review requirements.

Fandations may process payouts manually or automatically depending on platform configuration.

A payout shown as pending does not guarantee that the payout has been approved or completed.

16. Manual Payout Review

Fandations may manually review payout requests.

Manual review may be used to check:

1. identity verification;

2. tax information;

3. fraud risk;

4. chargeback risk;

5. refund risk;

6. creator account standing;

7. suspicious activity;

8. prohibited content;

9. user complaints;

10. payment processor requirements;

11. sanctions concerns;

12. legal or compliance issues.

Manual review may delay payouts.

17. Payout Holds

Fandations may delay, withhold, offset, freeze, reverse or refuse payouts where we reasonably believe funds are connected to:

1. fraud;

2. suspicious activity;

3. chargebacks;

4. refunds;

5. payment disputes;

6. stolen payment methods;

7. unauthorised payments;

8. illegal content;

9. prohibited content;

10. policy breaches;

11. creator misconduct;

12. misleading claims;

13. underage use;

14. failed verification;

15. missing tax information;

16. sanctions concerns;

17. money laundering risk;

18. payment processor review;

19. legal requests;

20. regulatory obligations;

21. safety investigations;

22. platform abuse;

23. off-platform payment avoidance;

24. account compromise.

Payout holds may remain in place until the issue is resolved.

18. Refunds and Creator Balances

If a user receives a refund, the creator’s earnings from that transaction may be reduced, reversed, deducted, withheld or offset.

If the creator has already received payout for a refunded transaction, Fandations may:

1. deduct the amount from future earnings;

2. offset the amount against current balance;

3. create a negative balance;

4. request repayment;

5. restrict payouts;

6. suspend creator monetisation;

7. take other reasonable recovery steps.

Creators are not entitled to keep earnings from refunded, reversed, fraudulent or invalid transactions.

19. Chargebacks

A chargeback occurs when a user disputes a payment with their bank, card issuer or payment provider.

Chargebacks may result in:

1. reversal of the transaction;

2. deduction from creator earnings;

3. chargeback fees;

4. payment processor fees;

5. temporary payout holds;

6. account review;

7. creator restrictions;

8. user account restrictions.

Fandations may provide evidence to payment processors in response to chargebacks, including transaction records, access logs, delivery records, subscription details, account activity and communications.

Repeated chargebacks may lead to account restrictions or termination.

20. Negative Balances

A creator account may have a negative balance if refunds, chargebacks, reversals, fees or deductions exceed available earnings.

If a creator account has a negative balance, Fandations may:

1. offset future earnings;

2. delay payouts;

3. restrict monetisation;

4. request repayment;

5. suspend creator access;

6. terminate creator features;

7. take recovery action where lawful.

Creators are responsible for negative balances connected to their transactions, content, disputes, refunds, chargebacks or policy breaches.

21. Fraud and Suspicious Activity

Fandations may investigate payments, payouts, accounts or content where there are signs of fraud or suspicious activity.

Examples include:

1. unusual payment patterns;

2. stolen payment methods;

3. repeated refunds;

4. repeated chargebacks;

5. fake accounts;

6. fake engagement;

7. bot activity;

8. referral abuse;

9. creator-user collusion;

10. money laundering concerns;

11. identity mismatch;

12. payout account mismatch;

13. off-platform payment requests;

14. sudden unusual earnings;

15. prohibited content monetisation.

Fandations may restrict accounts, hold payouts, cancel transactions, request verification, report activity or terminate accounts where appropriate.

22. Off-Platform Payments

Users and creators must not use Fandations to avoid Fandations payment systems or platform fees.

Creators must not ask users to pay outside Fandations for content, subscriptions, unlocks or benefits that are promoted, discovered or offered through Fandations, unless Fandations gives written permission.

Prohibited examples include:

1. asking users to pay by bank transfer to avoid fees;

2. directing users to external paid communities to bypass Fandations;

3. placing payment links in images, posts, bios or messages;

4. using coded language to move users off-platform;

5. offering lower prices only for off-platform payment;

6. telling users to cancel Fandations subscriptions and pay elsewhere.

Off-platform payment avoidance may result in content removal, account restrictions, payout holds, suspension or termination.

23. Tips and Support Payments

Fandations may allow users to send tips or support payments to creators.

Tips and support payments are voluntary.

Unless stated otherwise, tips and support payments are usually non-refundable except where required by law or approved by Fandations.

Creators are not entitled to receive tips or support payments that are fraudulent, refunded, charged back, reversed, disputed or invalid.

Users should not send tips or support payments unless they are sure they want to support the creator.

24. Subscriptions

Subscription payments may renew automatically unless cancelled.

Users are responsible for cancelling subscriptions before renewal if they do not want to continue.

Subscription earnings may be subject to:

1. platform fees;

2. payment processor fees;

3. taxes;

4. refunds;

5. chargebacks;

6. failed payments;

7. trial periods;

8. promotional discounts;

9. currency conversion;

10. payout eligibility rules.

Creators should not assume subscription earnings are final until they have cleared and are eligible for payout.

25. Paid Posts, Unlocks and Digital Downloads

Payments for paid posts, unlocks and digital downloads may become non-refundable once access begins, unless required by law or approved by Fandations.

Creator earnings from these transactions may still be reversed if:

1. the transaction is refunded;

2. the payment is charged back;

3. the payment is fraudulent;

4. the content was misrepresented;

5. the content breached platform rules;

6. the content was illegal;

7. access was not properly supplied due to a platform issue;

8. payment provider rules require reversal.

26. Failed Payments

A payment may fail for reasons including:

1. insufficient funds;

2. expired card;

3. incorrect billing information;

4. card issuer decline;

5. fraud checks;

6. payment provider outage;

7. currency issue;

8. subscription cancellation;

9. security review;

10. account restriction.

If a subscription payment fails, access may be suspended or cancelled.

Fandations may retry failed payments where permitted.

27. Currency Conversion

Payments and payouts may involve currency conversion.

Currency conversion rates may be set by:

1. payment providers;

2. banks;

3. card issuers;

4. payout providers;

5. platform settings.

Currency conversion may result in differences between the amount paid by a user and the amount received by a creator.

Fandations is not responsible for currency conversion charges or exchange-rate differences imposed by third parties.

28. Bank and Provider Fees

Banks, card issuers, payment providers or payout providers may charge additional fees.

These may include:

1. international transaction fees;

2. foreign exchange fees;

3. bank receiving fees;

4. payout fees;

5. transfer fees;

6. refund fees;

7. failed payout fees;

8. chargeback fees.

These fees may reduce the amount received by creators or refunded to users.

29. Failed or Returned Payouts

A payout may fail or be returned if:

1. payout details are incorrect;

2. the bank account is closed;

3. the payout method is unsupported;

4. the creator failed verification;

5. the payment provider rejects the payout;

6. sanctions checks fail;

7. bank rules prevent payment;

8. currency is unsupported;

9. fraud or compliance review is triggered.

Fandations may ask the creator to update payout information before retrying.

Additional fees may apply where a payout fails or is returned.

30. Account Closure and Remaining Balance

If you close your creator account, remaining eligible earnings may be paid out after:

1. verification is complete;

2. tax information is complete;

3. minimum payout requirements are met;

4. refund windows have passed;

5. chargeback risks are resolved;

6. disputes are resolved;

7. legal or compliance holds are lifted;

8. payout details are valid.

Fandations may retain, offset, withhold or refuse balances where required or permitted due to fraud, refunds, chargebacks, tax obligations, legal issues, policy breaches, sanctions concerns or unresolved disputes.

31. Dormant or Inactive Accounts

If a creator account is inactive for an extended period, Fandations may restrict access, pause payouts, request updated verification, or contact the creator to resolve remaining balances.

If we cannot contact the creator or verify payout information, funds may be held, returned, forfeited or handled according to applicable law and platform policy.

32. Creator Tax Documents and Records

Creators may be required to provide or update tax information before receiving payouts.

Fandations may retain records relating to:

1. transactions;

2. refunds;

3. chargebacks;

4. creator earnings;

5. payouts;

6. tax information;

7. verification checks;

8. invoices;

9. payment disputes;

10. compliance reviews.

These records may be retained for tax, accounting, legal, audit, fraud prevention and compliance purposes.

33. Invoices and Receipts

Fandations or its payment providers may issue receipts, invoices or transaction confirmations.

Receipts or invoices may include:

1. transaction date;

2. payment amount;

3. currency;

4. tax details;

5. creator or platform information;

6. payment method;

7. transaction reference;

8. product or subscription description.

Users and creators are responsible for keeping their own records.

34. Creator Misconduct

Fandations may withhold, reverse or refuse payouts where creator earnings are linked to misconduct.

Examples include:

1. prohibited content;

2. adult sexual content;

3. illegal content;

4. scams;

5. misleading claims;

6. copyright infringement;

7. unauthorised financial promotions;

8. fake credentials;

9. harassment;

10. off-platform payment avoidance;

11. fake engagement;

12. user manipulation;

13. content misrepresentation;

14. fraud;

15. breach of the Creator Agreement.

35. No Guarantee of Earnings

Fandations does not guarantee that creators will earn any amount.

Creator earnings may depend on:

1. content quality;

2. audience size;

3. pricing;

4. user demand;

5. payment success;

6. refund rates;

7. chargeback rates;

8. compliance status;

9. platform availability;

10. market conditions.

Fandations does not guarantee subscribers, purchases, views, engagement, payouts, income, profit or business success.

36. User Access After Payment

After a successful payment, users may receive access to the purchased or subscribed content according to the checkout terms, subscription terms or platform functionality.

Access may be affected by:

1. failed payments;

2. cancelled subscriptions;

3. expired subscription periods;

4. creator content removal;

5. user account suspension;

6. creator account suspension;

7. legal or safety restrictions;

8. technical issues;

9. refund or chargeback reversal;

10. policy enforcement.

Fandations may restrict access where required for safety, legal, payment or policy reasons.

37. Payment Errors

If you believe there has been a payment error, contact:

hello@fandations.com

Please include:

1. your account email;

2. payment date;

3. amount;

4. transaction ID, if available;

5. payment method;

6. screenshot or receipt, if available;

7. description of the issue.

Fandations may investigate and correct confirmed payment errors.

38. Payout Errors

If you believe there has been a payout error, contact:

hello@fandations.com

Please include:

1. your creator account email;

2. payout request date;

3. payout amount;

4. payout method;

5. transaction or payout reference, if available;

6. description of the issue;

7. supporting evidence.

Fandations may investigate and correct confirmed payout errors.

39. Compliance With Payment Provider Rules

Users and creators must comply with the rules of our payment providers.

Payment providers may restrict certain content, countries, industries, users, transactions, payout methods or business models.

Fandations may remove content, restrict accounts, block payments or hold payouts where required by payment providers.

If a payment provider refuses, reverses or blocks a transaction or payout, Fandations may not be able to override that decision.

40. Sanctions and Restricted Countries

Fandations may restrict payments or payouts involving users, creators, countries, regions, entities or activities subject to sanctions, export controls, payment restrictions or legal prohibitions.

We may block, hold, reverse or refuse payments and payouts where required by law or provider rules.

Users and creators must not use Fandations if doing so would breach applicable sanctions or restricted-use rules.

41. Anti-Money Laundering and Financial Crime

Fandations may monitor payments and payouts for fraud, money laundering, terrorist financing, sanctions evasion, payment abuse and other financial crime risks.

We may:

1. request additional verification;

2. restrict transactions;

3. hold payouts;

4. reject payments;

5. report suspicious activity where required or appropriate;

6. terminate accounts;

7. cooperate with payment providers, regulators or law enforcement.

42. Changes to Fees, Payments and Payouts

Fandations may update:

1. platform fees;

2. payout schedules;

3. payout methods;

4. minimum payout thresholds;

5. payment methods;

6. supported currencies;

7. subscription payment rules;

8. refund handling;

9. creator monetisation features;

10. payment provider arrangements.

Where required, we will provide notice of material changes.

Your continued use of Fandations after changes means you accept the updated payment and payout rules.

43. Changes to This Policy

We may update this Payments and Payouts Policy from time to time.

Updates may reflect:

1. platform changes;

2. payment provider changes;

3. payout process changes;

4. legal requirements;

5. tax requirements;

6. fraud prevention needs;

7. creator monetisation changes;

8. operational changes.

The updated version will be posted on this page with a revised “Last updated” date.

44. Contact Us

If you have questions about payments, payouts, fees, refunds, subscriptions, chargebacks or creator balances, contact us at:

Fandations Ltd
41 Norman Avenue
London
N22 5ES
United Kingdom

Email: hello@fandations.com