To open a dedicated payout account, the agency completes a business verification and each creator completes her own: a government ID, a live identity check, proof of address, proof of funds and a tax ID. Requirements can vary by banking partner and country, but agencies that prepare these documents before they ask a model to start usually get through onboarding in a fraction of the time.
Almost every delay in onboarding comes from the same few things: a blurry photo, an address document in the wrong name, a missing tax number. None of them is hard to fix. They're only slow when nobody told the model what to prepare.
This checklist covers what each side provides, the order things happen in, and how to brief a model so she gets it right the first time.
Why each model gets her own account
A dedicated account in the model's own name keeps the structure clean. She holds her own login, the agency holds its own, and neither side has access to the other's credentials. That's the point of separating management from ownership, and we explain why it matters in how to separate account management from bank account ownership.
The cost of doing it properly is a verification step up front. That's normal for any regulated account, and it's a good sign. A setup that skips verification isn't more convenient, it just moves the risk onto you.
1. What the agency provides
The agency goes through business verification before any model is onboarded.
- What to prepare: your company registration documents, details of who owns and runs the business, and a business bank account to receive the agency share.
- Why it matters: the banking partner needs to know who it's dealing with on the agency side before it opens accounts for your models. Exact requirements depend on the partner and where the agency is registered, so check what applies to you.
2. What each creator provides
Each model completes a verification of her own. In practice it comes down to five items.
- A government-issued ID. A valid passport or national ID card, in her legal name.
- A live identity check. A short selfie or video step, to show the person holding the ID is the person on it.
- Proof of address. A recent document showing her name and address, such as a bank statement.
- Proof of funds. A payout receipt from the platform she earns on, showing that the income is real.
- A tax ID. The tax number for the country where she's tax resident.
3. The order things happen in
The exact steps depend on the banking partner, but the shape is usually the same.
1. The agency is verified first, so models can be onboarded under it. 2. The model sends her details and documents, ideally all at once. 3. The agency checks them for completeness, which catches most problems before they reach the bank. 4. The documents are submitted to the banking partner, who reviews them. 5. The account details are issued once the account is opened. 6. A small test payout is sent to confirm everything works end to end. 7. The model goes live, and the agreed split runs on her payouts.
Timing depends on the partner and on how complete the documents are. Don't promise a model a fixed date. Promise to tell her where she is in the process.
4. The common reasons onboarding gets delayed
- Blurry or cropped photos of the ID, with a corner cut off or glare over the text.
- Proof of address in a different name, or one that's too old or doesn't show a full address.
- A payout receipt that doesn't match the name on the ID.
- A missing tax ID, often because she isn't sure which number applies in her country.
- Documents sent in pieces, over several days and several chats, so nobody has the full set.
A short checklist sent to each model before she starts removes most of these.
5. What to tell your models up front
Models are more likely to complete this quickly when they understand why it's happening. Keep it plain.
- The account is in her name, and only she has the login.
- The verification is a banking requirement, not something the agency chooses.
- Her documents are used for onboarding only, and she can ask how they're stored.
- Her payouts and the agreed split are visible to her in her own portal.
If she asks what happens to her account if she leaves the agency, give her a straight answer. We cover that in what happens to payouts when a creator leaves your agency.
6. Keep a record of what was submitted
For each model, keep a note of what was sent, when it was submitted and the status of the review. It makes follow-up quick, and it's one of the seven record sets we recommend in the financial records every OnlyFans agency should keep. Because these files hold personal data, store them securely and limit who can open them.
Where Legacy Solutions fits
Legacy Solutions is software that sits on top of licensed banking partners. We run the onboarding with you: we tell you what each model needs, check that the documents are complete before they go to the banking partner, and keep you updated on where each one is in the process.
Once a model is live, her dedicated account receives her payouts, the agreed split runs automatically, and both she and the agency see the same figures in their own dashboards. Weekly statements can be downloaded as PDF or CSV.
Legacy is software only. It never holds, receives or transfers funds. The accounts and the transfers sit with the licensed banking partner.
If you'd like to see how onboarding would work for your agency, you can apply at legacysolutions.vip.
If you're comparing providers, our seven questions to ask before choosing payout software includes what to ask about verification. Once your models are live, the weekly reconciliation checklist keeps the numbers clean.
Frequently asked questions
What documents does a creator need to open a dedicated payout account?
Typically a government-issued ID, a live identity check, proof of address, proof of funds and a tax ID. Requirements can vary by banking partner and country, so confirm the exact list before asking a model to start.
How long does onboarding take?
It depends on the banking partner and on how complete the documents are. Complete, clear documents sent all at once are the biggest factor, and a fixed date isn't something to promise a model.
Can the agency complete the verification for the model?
No. The verification is for the account holder, so each model completes her own identity check. The agency can help by preparing a checklist and checking documents for completeness before they're submitted.
Does the agency get access to the model's account?
No. The account is in her name and she holds the login. The agency has its own account and its own dashboard, and the agreed split runs between them.
What if a model doesn't have a tax ID or proof of address?
Raise it early, because it's the most common cause of delay. The right fix depends on her country, and an accountant or the banking partner can say what's acceptable.