Financial Infrastructure for Fans Agencies
Automated split payments, EU-regulated and fully compliant —
built for the content creator industry.
EU EMI since 2012 · Mastercard Principal Member
What DAC7 means for your agency
Since 2024, fans platforms report creator earnings directly
to EU tax authorities. Every payout is now visible. Your payment
infrastructure needs to match.
Payouts must match what the model receives
Full traceability from platform to account.
No discrepancies, no reporting gaps.
Splits must be documented and auditable
Every transaction recorded: who paid, how much, on what basis.
Accessible for tax review at any time.
Blackcat split payments
Documented commissions reduce the tax base
Agency fees structured as a business expense mean the creator pays tax on net income, not gross revenue.
EU regulation protects your operations
Safeguarded funds, SEPA access, and infrastructure built to serve high-risk industries.
Automated splits — no manual work
Commission is deducted and sent to your account the moment the model receives a payout. No chasing, no reconciliation, no errors.
30-day commitment period
Models cannot disconnect instantly. You receive advance notice if a model plans to leave — protecting your revenue continuity.
Payment Distribution in Action
How model payouts are split between the creator and the agency - automatically
01
Documented splits reduce the creator's taxable base — income tax is levied on net profit, not gross payout
02
Automated commission routing proves independent contractor status — reducing reclassification risk (e.g. Scheinselbstständigkeit in Germany, travail dissimulé in France)
03
Clear transaction records satisfy DAC7 cross-referencing and protect both agency and creator in a tax audit
Your commission isn't a cost. It's a tax shield — but only if it's documented.
For your agency
01
Corporate payment account with EU IBAN
02
Automated commission splits, configurable per model
03
SEPA payments (SCT + Instant)
04
Funds available immediately in EUR — pay bills, expenses, salaries directly
05
Corporate Mastercard payment cards with spend controls
06
Transparent reporting for bookkeeping and tax
07
• 30-day commitment period with advance notice if a model plans to leave
08
Integrated crypto service — exchange at 1% fee***
For your models
01
Personal or business payment account with EU IBAN
02
Funds available to spend in EUR immediately — no conversion needed
03
Cards with nickname instead of real name
04
Integrated crypto service — exchange at 1% fee***
05
Streamlined onboarding with no industry restrictions
06
Full control over earnings after commission
07
24/7 multilingual support
Compliance as a service
We understand your business model — so your compliance does too.
Blackcat is issued by Papaya, Ltd. Papaya, Ltd. is licensed by the Malta Financial Services Authority as an Electronic Money Institution (EMI). Registration number C55146. Client funds are safeguarded in accordance with applicable legislation. Funds held in e-money accounts are not covered by the Depositor Compensation Scheme.
01
We speak your language
Your agency-model relationships, commission structures, and platform payouts — we've seen them all. No explaining your business to a compliance team that doesn't get it.
02
Structured from day one
Service agreements, verification, and payment logic are configured together during onboarding. Not retrofitted after something breaks.
03
Every transaction is audit-ready
Every split, every payout, every report — documented, traceable, and ready for review. DAC7-compatible by design.
04
Regulated by MFSA under an EMI license
Safeguarded in accordance with applicable EU regulations. 24/7 live agent support.
Part of a full payment ecosystem
Split payments is part of the complete Blackcat business
payment accounts with EU IBAN, SEPA payments, corporate payment cards, integrated crypto service, and 24/7 support — all in one ecosystem.
EU IBANs
Business accounts with SEPA access
Corporate cards
Team spend with full control
Crypto support
Wallets, conversion, compliance
24/7 support
Always-on human assistance
Already using a payment solution? Check if you have this.
01
Commission splits land instantly — no manual collection, no errors
02
Funds arrive in EUR and are ready to spend — payment cards, SEPA transfers, bill payments
03
No withdrawal fees, no conversion step
04
Dedicated business payment account with EU IBAN
05
DAC7-compliant — when platforms report your models' earnings to tax authorities, you're ready
06
Every model has a personal IBAN with instant euro access and a payment card
07
Integrated crypto service when you need it — 1% fee***
08
Full audit trail for every split, every payout
If even one point made you pause — let's talk.
Simple, transparent pricing
1.5% of the incoming payout amount
The model signs a commission payout instruction as part of the
Terms and Conditions. Every time a payout arrives, the commission
is deducted and sent to your business account automatically —
based on the pre-signed agreement.
Model receives from platform
€10,000
Agency commission (70%)
€7,000
Split fee (1.5% × €10,000)
€150
Agency receives
€6,850
Model keeps
€3,000
What agencies and models say
I was tired of chasing models for payments. I didn't want to track who sent what and who forgot. I needed an automated solution — and Blackcat was the best fit.
Agency owner, EU · 15+ models
If you want to scale, you need to play by the rules. I realised that regulations aren't a burden — they help when you understand them. Blackcat reduced our operational load and risk. Now we're always audit-ready, and I spend my earnings with confidence.
Agency owner, EU · 10+ models
I wanted to focus on content, not on reporting and taxes. Especially when my income started growing. My agency recommended this solution — now I feel calm about my obligations.
Model, EU
I get my money and I can spend it immediately from my card. The balance on my account is truly mine — all commissions are already deducted. That reduced my stress significantly.
Model, EU
How to get started
1
step
Talk to a Blackcat specialist
Get guidance on split structure, fees, and onboarding.
2
step
Open your business account
Corporate payment account with EU IBAN — fully online.
3
step
Share your onboarding link with models
Models register, complete KYC, and sign the Terms and Conditions with pre-signed commission payout instructions.
4
step
Get paid — we split
Funds are distributed automatically between all parties — with accurate reporting and no manual work.
Ready to automate your agency payouts?
Frequently asked questions
We will be happy to clear all of your concerns
What platforms are supported?
Split payments work with any fans platform that supports SEPA payouts, including OnlyFans and similar services.
How does the split work?
When a model receives a payout, the agreed commission is automatically deducted and sent to your business payment account. The split is based on Terms and Conditions signed by both parties.
What does it cost?
1.5% of the incoming payout amount.
Is there a cap on commission percentage?
No. You can configure any commission percentage per model.
How long does onboarding take?
Onboarding is fully online. Timelines depend on the completion of KYC and KYB procedures.
Can a model cancel the split?
Models can disconnect after the commitment period specified in the Terms and Conditions. The agency receives advance notice.
Which countries do you support?
Blackcat serves clients across the EU and EEA via SEPA. Contact us for details on specific countries.