A “Livestreaming London” charge on your bank statement almost always comes from Fenix International Limited, the London-based company that owns and operates OnlyFans.1Oireachtas.ie. Submission Fenix International Limited Fenix uses several billing descriptors that don’t mention OnlyFans by name, and this is one of them. If no one with access to your card recognizes the charge, it may instead be a sign that your card number has been compromised.
Why the Descriptor Doesn’t Say OnlyFans
Fenix International cycles through several statement descriptors depending on your bank and payment processor. You might see “Fenix International Ltd,” “Fenix Intl,” “OnlyFans.com,” or vaguer labels like “Livestreaming London” or “Online Payment London.” The discreet naming is deliberate. A recognizable adult-platform name on a shared statement can create problems for the account holder, so the company uses corporate and trade names that satisfy card-network rules without advertising the underlying service.
What Usually Triggers the Charge
The most common cause is a subscription renewal you forgot about. OnlyFans subscriptions auto-renew by default, so a single sign-up months ago will keep generating charges every billing cycle until someone actively cancels.2OnlyFans. Terms of Service Creators set their own prices between $4.99 and $49.99 per month, and each creator you follow renews separately.
The platform also processes one-time purchases: pay-per-view content and tips to creators. Those show up under the same descriptor. Depending on how the processor batches them, a $10 tip and a $15 pay-per-view purchase in the same session can appear as one $25 charge or as two separate lines.
Check Whether Someone in Your Household Made It
Before assuming fraud, run through a few quick checks. Search your email for anything from OnlyFans or Fenix International. Confirmation receipts go out within minutes of any purchase, so the timestamp should line up with the transaction on your statement. Consider whether anyone else with access to your card or joint account might have signed up. Free trials that convert into paid subscriptions are a common source of surprise charges, since the person who signed up may have thought the offer stayed free.
If none of that turns up an explanation, and especially if you see multiple charges hitting on the same day from an account you’ve never opened, the charge is probably unauthorized. That pattern points to a compromised card number rather than a forgotten subscription. Contact your bank right away to report the card and request a replacement. How quickly you report affects your liability, particularly with a debit card.
How to Cancel and Stop Future Charges
If the charge is yours and you simply want it to stop, turning off auto-renew is the only reliable fix. There is no official OnlyFans app in the App Store or Play Store, so log in through your browser on any device. Tap your profile, open Following, find the creator, and toggle auto-renew off. You keep access until the current billing period ends and are not charged again.
OnlyFans has a strict no-refund policy. The terms of service warn against “unjustified requests for a refund” and state that making one can result in account suspension or deletion.2OnlyFans. Terms of Service Canceling stops the next renewal but does not refund the current cycle, and if you bought a multi-month bundle you are locked in for the rest of it. Cancel at least a full day before your renewal date, because the system can be slow to process last-minute changes.
Disputing an Unauthorized Credit Card Charge
Federal law caps your liability for unauthorized credit card charges at $50, and most major issuers waive even that.3Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card To formally dispute a billing error, send your card issuer written notice within 60 days of the statement date that shows the charge. Include your name, account number, the disputed amount, and why you believe it’s an error.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors Most issuers now accept disputes through their app or website, but the 60-day clock still runs from the statement date.
Once you file, the issuer must acknowledge the dispute within 30 days and complete its investigation within two billing cycles, capped at 90 days total. You generally receive a provisional credit for the disputed amount during that window. If the investigation sides with you, the credit becomes permanent. If it sides with the merchant, you owe the amount plus any accumulated interest.
Disputing an Unauthorized Debit Card Charge
Debit card protections are weaker, and your liability depends on how fast you report the problem. Notify your bank within two business days of learning your card was compromised and your maximum loss is $50. Report after two business days but within 60 days of receiving the statement, and your exposure jumps to $500. Miss the 60-day window and you can be on the hook for the full amount of any unauthorized transfers that occur after that deadline.5Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
The investigation timeline differs too. Your bank has 10 business days to investigate and resolve the dispute. It can extend that to 45 days, but only if it provisionally credits your account within the initial 10 business days.6eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors For international transactions, which a Fenix International charge is, that window stretches to 90 days. Your money can be tied up for months in a way credit card disputes typically don’t cause.
Do Not Dispute a Charge You Actually Made
Filing a chargeback on a legitimate purchase you’d rather not explain is tempting when the descriptor looks vague and someone else might see the statement. Resist it. OnlyFans’ terms of service state that bad-faith refund requests or unjustified chargebacks can result in your account being suspended or deleted.2OnlyFans. Terms of Service The payments industry calls this friendly fraud, and it can flag your account with your bank. If the merchant successfully contests the chargeback, you owe the original amount plus potential fees, and a pattern of reversed chargebacks makes your bank less willing to side with you the next time you have a genuine dispute.