Substy pricing per creator for Substy AI plans and commission

Here is what is published, read from substy.ai/pricing and its terms of service on 18 September 2026. Every plan is billed per creator per month, and the price is the same on OnlyFans, Fanvue and MYM. Starter costs $0 a month and takes 15 percent of the net sales its AI closes. Pro costs $69 and takes 10 percent. Elite costs $99 and takes 8.5 percent. The toggle on the page switches to annual billing, where the pricing script shows Pro at $48 and Elite at $69 a month, a cut of roughly 30 percent. Starter stays at $0 either way. Substy's own FAQ says there are no hidden fees on the CRM and that only the AI works on commission, and its pricing page repeats that the commission applies only when the AI makes a sale.

That structure is honest, and it has a real advantage: a creator whose AI sells nothing costs you nothing on Starter. For an agency that signs pages and waits to see which ones work, paying zero for the ones that do not is a genuinely good deal, and no flat fee can beat it on a dead page.

The catch is the other end. A commission is a fee that grows every time the product does its job. At $5,000 of AI sales a month, one creator costs $750 on Starter, $569 on Pro and $524 on Elite. At $20,000, the same creator costs $1,799 on Elite, the cheapest plan at that level. The fixed part of the bill barely matters by then. What you are really choosing between is 15, 10 and 8.5 percent, and the $69 or $99 is the price of the lower rate.

So the plans have clean break-even points. Starter against Pro: 15 percent of X equals $69 plus 10 percent of X when X is $1,380 of AI sales a month. Pro against Elite: $69 plus 10 percent equals $99 plus 8.5 percent at $2,000. Below $1,380 stay on Starter, between $1,380 and $2,000 take Pro, and above $2,000 Elite is always cheapest. On annual billing the break-evens move down to about $960 and $1,400, because the fixed fees shrink while the commission rates stay the same.

Two details on the page decide what those numbers mean in practice. The first is the word net. The commission is charged on net sales, and Substy's pricing page does not define net. On OnlyFans the creator keeps 80 percent of what a fan pays, so ask in writing whether the percentage is taken before or after the platform's 20 percent. The second is attribution. The fee applies to sales the AI makes, which means someone decides which unlock the AI made and which one a human chatter closed on the same fan. Elite adds an AI Hybrid mode where AI and human chatters work together, which is exactly where that line blurs. Ask how a hybrid sale is counted before you put a whole roster on it.

The way you pay is the part most buyers miss. Substy's terms of service describe a credit wallet: subscriptions are paid from credits deposited in your Substy account, and the terms list cryptocurrency as the way to buy credits, while the privacy policy says payment details are processed by Stripe. The affiliate page adds that as an agency's AI sells more, it uses more credits and tops up its balance. In other words, the commission is drawn from a prepaid balance you keep topped up, not billed after the fact.

That matters for the refund clause. The terms give a 14 day withdrawal period on subscriptions, except for credits, and no refunds after that. Any subscription refund the company chooses to make may be issued as Substy credits rather than money. Cancellation is allowed at any time, but there are no prorated refunds, and deleting the account loses access to your data and any remaining credits. The practical rule: keep the wallet balance close to what the next few weeks of AI sales will consume, and never pre-load a large balance on a trial.

The terms also say who you are paying. The operator is SUBHOME TECH SOLUTIONS FZCO, with an address in Dubai Digital Park, Dubai Silicon Oasis, and the terms are governed by French law with exclusive jurisdiction in the courts of Bordeaux. Section 13 is worth reading in full: Substy is not responsible for errors, malfunctions or unintended actions its software causes on accounts on third party platforms, and you accept that you use those integrations at your own risk and supervise every automated action. For an AI that sends PPV on your creator's account, that is the clause that allocates the risk.

Here is how that compares with a flat plan. FansAgent charges $49 a month for one page, $149 for Pro, and $399 for Studio covering up to 10 pages, with no percentage of any sale. For a single small page whose AI sells under about $330 a month, Substy Starter is cheaper than our Starter, and we say so. Above that, the flat fee wins, and the gap widens with every sale: at $5,000 of AI sales a creator, Substy Elite is $524 for that one page while FansAgent Studio is $399 for ten.

If Substy is on a shortlist with other tools, OnlyFans agency software pricing compared puts every vendor on one per creator table, and our Substy alternative comparison is the honest head to head with ours. Before you start the free week, the OnlyFans CRM free trial comparison shows what each vendor trial asks for and what happens on the last day. The other big earnings linked ladders are in Infloww pricing by creator earnings and OnlyMonster pricing, and Supercreator also takes a share of AI sales, set out in Supercreator pricing and its AI sales fee. Substy covers OnlyFans, Fanvue and MYM but not Fansly, which which OnlyFans CRMs support Fansly and Fanvue lays out, and only two vendors publish a live status page, covered in which OnlyFans CRMs publish a status page. If Infloww is the other name on your list, Substy vs Infloww compared puts both bills side by side at three earnings levels. Before you put a card on file, Substy AI reviews and whether Substy is safe reads what independent reviewers say and what the terms Substy publishes actually commit to.