# Who handles what

What 2fans runs for you and what stays with your app: checkout, moderation, creator checks, payouts, refunds and complaints.

You build the CRM and the selling. Buyers pay and content lives on 2fans, so checkout, payouts and the platform rules sit with us. Your app never sees card data.

| Job | 2fans | Your app |
| --- | --- | --- |
| [Checkout](https://2fans.dev/docs/handled/checkout.md) | Hosts the checkout | Creates and sends the link |
| [Moderation](https://2fans.dev/docs/handled/moderation.md) | Runs moderation and decides what goes live | Handles `PENDING` responses |
| [Creator verification](https://2fans.dev/docs/handled/verification.md) | Runs the ID check and keeps the records | Sends creators to it, if you onboard them |
| [Payouts](https://2fans.dev/docs/handled/payouts.md) | Holds earnings, reviews requests and sends crypto, bank, card or Paxum payouts | Can show balances, set up methods and request payouts |
| [Refunds and chargebacks](https://2fans.dev/docs/handled/chargebacks.md) | Processes them and adjusts earnings | Reacts to `drop.refunded` and `tip.refunded` |
| [Complaints and takedowns](https://2fans.dev/docs/handled/compliance.md) | Takes reports and removes content | Passes reports on to us |
| [Fees](https://2fans.dev/docs/handled/fees.md) | Takes 15% of each sale | Earns 5% through its links, if approved |
| Chat, CRM and dashboards | Provides the API | Yours to build however you want; see [White label 2fans](https://2fans.dev/docs/build/white-label.md) |
| Key storage | Issues and revokes keys | Stores them encrypted, server-side |
| Selling and support for your own product | | Yours |

## What this means for you

Checkout always happens on 2fans, content has to live on 2fans, and our rules apply to everything sold. See [Do I need a merchant account to add PPV to my CRM?](https://2fans.dev/do-i-need-a-merchant-account-for-ppv.md)

## Next

- [How moderation works](https://2fans.dev/docs/handled/moderation.md): Content moderation is automated and handled by 2fans infrastructure. What each status means, what the checks look for and how to build around them.
- [How payouts work](https://2fans.dev/docs/handled/payouts.md): Earnings land in the creator’s 2fans balance. From $20 they can request a payout as crypto, a bank transfer or to a card through MassPay, or to Paxum, all included with the API.

2fans was called Dropfans until October 2026, so the API host is still www.dropfans.io and keys still start with dpfn_.

Last updated 2026-11-02. All pages: https://2fans.dev/llms.txt.