If you see Fenix International on your bank statement, it’s a charge from OnlyFans. Fenix International Limited is the London-registered company that owns and operates the platform, and because it is the merchant of record, your bank prints the corporate name rather than the OnlyFans brand.1GOV.UK. Fenix International Limited If you don’t remember buying anything on OnlyFans, the usual explanations are a subscription that auto-renewed, someone else using a shared card, or, less often, an unauthorized transaction you’ll need to dispute.
How the Charge Shows Up
The exact wording depends on your bank and the payment processor. Common versions include:
- Fenix Intl, a shortened form of the corporate name and the most frequent variation
- Fenix Internet, a variant some processors generate
- OnlyFans or OF, when the platform name passes through directly
- OF Subscription, used for recurring subscription charges
- OF Debit Hold, a temporary authorization that posts before the final charge
Many statements also append a location, often “London GB” or similar, because that’s where the company is based. If you see “Fenix” paired with a London reference, it’s the same entity. An “OF Debit Hold” usually drops off within a few business days once the final charge posts, so you aren’t being billed twice.
Why You Might Not Recognize It
The most common explanation isn’t fraud. OnlyFans subscriptions renew automatically at the end of each billing cycle without a fresh notification, so a charge you authorized months ago can quietly repeat. Small purchases also slip past people: tips to creators and pay-per-view buys post as separate line items, and several $5 or $10 charges spread across a month are easy to miss one at a time but add up on a statement.
Shared payment methods are the other frequent cause. A partner or family member with access to the same card may have made purchases without saying anything. Before assuming fraud, log in at onlyfans.com, open your account settings, and review the transaction history on the platform itself. If no account exists under your email and nobody else uses your card, that’s a stronger signal the charge is unauthorized.
Stopping Future Charges
If the charges are yours and you simply want them to stop, cancel each subscription inside OnlyFans. Deleting the app does not end billing.
- On desktop: log in, click your profile icon, open the Following or Subscriptions section, find the creator, click the three-dot menu, and choose Unsubscribe or Cancel Subscription.
- On mobile: open the app, tap your profile icon, go to Subscriptions, find the creator, tap the three-dot menu, and choose Cancel.
To keep access through the end of a period you’ve already paid for, choose “Turn off auto-renew” rather than a full cancellation. Your status will show “Will not renew” with the access end date, and no further charge should post. Check your statement a few days after that renewal date to confirm.
Asking OnlyFans for a Refund
OnlyFans treats subscription fees as non-refundable once you’ve had access to a creator’s content, and wallet credits are non-refundable as well.2OnlyFans. Terms of Service Forgetting to cancel before a renewal usually won’t qualify. The platform does make exceptions for technical errors that blocked access to paid content, duplicate charges, payment processing mistakes, and unauthorized transactions. To ask, email support@onlyfans.com or use the contact form on the site with the transaction date, amount, and a description of the problem. Reviews are handled case by case and aren’t instant.
Disputing an Unauthorized Charge
If you’ve confirmed the charge is genuinely unauthorized (no account, no one with access to your card used it, and nothing in your own history matches), your next step depends on the card type. The protections are not the same.
Credit Card
The Fair Credit Billing Act lets you dispute billing errors with your card issuer. You have 60 days from the date the statement was sent to submit a written dispute identifying the charge and explaining why you believe it’s an error. The issuer must acknowledge within 30 days and resolve the dispute within two billing cycles, not to exceed 90 days.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While it’s investigating, the issuer can’t try to collect the disputed amount or report it as delinquent. Most banks accept disputes through their app or site, though the statute itself contemplates written notice sent to the billing inquiry address on your statement.
Debit Card
Debit disputes move faster because the money has already left your account. Under Regulation E, you have 60 days from when the statement was sent to report an unauthorized electronic fund transfer.4Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors Your liability depends on how quickly you report:
- Within two business days of discovering the charge: maximum loss of $50.
- More than two business days but within 60 days of the statement: up to $500.
- After 60 days: potentially unlimited loss on charges that occur after that window.5Consumer Financial Protection Bureau. Regulation E 1005.6 – Liability of Consumer for Unauthorized Transfers
If your bank can’t finish its investigation within 10 business days, it must provisionally credit your account for the disputed amount while it continues to investigate, for up to 45 days.4Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors Report debit charges you don’t recognize immediately; the deadlines are short and the exposure grows the longer you wait.
Before You File a Chargeback
A chargeback is the right tool for genuine fraud. If the charge turns out to be legitimate, though (a subscription you forgot, or a purchase someone on your account made), the consequences aren’t trivial. OnlyFans’ terms warn that an unjustified chargeback can lead to account suspension or deletion, and the platform states it may treat creator earnings as forfeited and cancel fan payments where it determines a user violated its terms.2OnlyFans. Terms of Service The disputed amount is also deducted from the creator’s pending earnings, and the creator may face additional processor fees. If a quick check of your OnlyFans transaction history shows the charge is yours, contacting support first avoids the account consequences and keeps the creator from being penalized for content you actually received.