If you’re an OnlyFans creator earning income from your content, and you don’t have a Social Security Number (SSN), understanding how to apply for an ITIN number is essential. The Individual Taxpayer Identification Number (ITIN) helps you file your income tax, stay compliant, and keep your creator business running smoothly. This guide explains everything you need to know: from what an ITIN is, to how to apply, and how it connects with your OnlyFans taxes.
Do You Need an ITIN, SSN, or EIN?
Before you start filling out tax forms, it’s important to understand which identification number applies to your situation. Every creator who earns income in the U.S. needs a tax ID of some kind. The right one depends on your residency, business setup, and how you’re paid through platforms like OnlyFans.
What Each Number Means
- SSN (Social Security Number) – Issued to U.S. citizens and residents eligible to work.
- ITIN (Individual Taxpayer Identification Number) – Given by the IRS to people who need a taxpayer identification number but are not eligible for an SSN.
- EIN (Employer Identification Number) – Used by business entities. If you form an LLC or register your brand, you might use this number.
Which Applies to You as an OnlyFans Creator
If you’re an OnlyFans creator earning income and you don’t have an SSN, you likely need an ITIN. The ITIN allows you to file your federal income tax return, report your taxable income, and pay self-employment taxes on your creator income. It also helps you claim deductions, tax write-offs, and business expenses.
If you already have an SSN, you don’t need an ITIN. If your creator brand grows into a registered business, you may eventually need an EIN to handle things like payroll or multiple income sources.
The Three Ways to Apply
There are three main ways to apply for an ITIN. Each option works, but your situation determines which is best for you.
Apply by Mail
Complete Form W-7 and mail it to the IRS along with your federal tax return and supporting documents.
Pros: Can be done from anywhere.
Cons: Slower processing time, and you’ll need to send original or certified documents.
Visit a Taxpayer Assistance Center (TAC)
If you’re in the U.S., you can make an appointment at a Taxpayer Assistance Center to submit your application and verify your documents in person. This is helpful if you need your passport or identification returned quickly.
Use a Certifying Acceptance Agent (CAA)
A Certifying Acceptance Agent is authorized by the IRS to review your documents and file your application. This method is often the easiest for creators outside the U.S. or anyone who prefers a guided process. CAAs can help you avoid mistakes and speed up the approval.
Your ITIN Application Package
Getting your paperwork right is critical. Small mistakes can delay your application or lead to rejection.
Form W-7
You’ll need to complete Form W-7, “Application for IRS Individual Taxpayer Identification Number.” Use your legal name exactly as it appears on your passport or other ID. Check the box that matches your reason for applying.
Federal Tax Return
Most applicants must attach a federal income tax return (Form 1040 or 1040-NR). This links your ITIN to your filing and shows your earnings from OnlyFans or other self-employment sources.
Supporting Documents
Provide proof of both identity and foreign status. The easiest way is with a valid passport. If you don’t have one, you’ll need two alternative documents such as a national ID, birth certificate, or visa. Make sure all documents are current and certified if you’re sending copies.
Reasons for Applying
Form W-7 has several checkboxes explaining your reason for applying. Choose the one that best fits your situation. Most OnlyFans creators fall under the “nonresident alien required to file a U.S. tax return” or “U.S. resident alien” categories.
Mailing Addresses and Appointment Tips
If you apply by mail, send your package to the IRS ITIN processing center. Double-check the address listed in the Form W-7 instructions to avoid delays.
If you prefer an in-person route, bring your original documents to your appointment with the TAC or CAA. This option helps ensure your documents are verified correctly and returned faster.
Tip: If you rely on your passport for travel or business, applying through a CAA or TAC can prevent long delays in getting your documents back.
Common Reasons for Delay or Rejection
Even a small error can lead to weeks of waiting. Here are the most common mistakes and how to avoid them.
Incorrect Reason Code
Choosing the wrong box for why you’re applying often causes rejections. If you’re an OnlyFans creator earning self-employment income, make sure to mark the correct category.
Missing Federal Tax Return
If you don’t qualify for an exception and fail to attach a federal tax return, your application will be denied. Always include your signed tax return unless you’re exempt.
Uncertified or Expired Documents
Expired IDs or uncertified copies are not accepted. Always check expiration dates before sending your package.
Name or Address Mismatch
Your name and address must match across all documents. Even minor differences in spelling or formatting can trigger an error.
Not Renewing on Time
If your ITIN wasn’t used on a tax return for three consecutive years, it expires. Filing a return with an expired ITIN can delay your refund.
| Common Issue | How to Fix It |
|---|---|
| Wrong box on Form W-7 | Review Form W-7 instructions before submitting |
| Missing tax return | Attach Form 1040 or 1040-NR |
| Expired ID | Renew or use an alternative valid document |
| Name mismatch | Match all spelling and punctuation exactly |
| Expired ITIN | Renew before filing your tax return |
Creators Outside the U.S.
If you live outside the U.S. but earn income from your OnlyFans account, you can still apply for an ITIN.
Certified Copies from Abroad
You can send certified copies of your passport or identification from your country’s issuing agency. Some U.S. embassies and consulates also provide certification services. Working with a Certifying Acceptance Agent abroad can make this process easier.
Processing Time and Mailing
Applications from outside the U.S. can take longer because of international mailing. Plan ahead and apply at least two months before your tax filing deadline.
Exceptions to Attaching a Return
Certain nonresident aliens may qualify for an exception and can apply without attaching a tax return. Confirm that this applies to you before submitting your application.
After You Apply
Once you’ve submitted your application, the waiting period begin. But here’s what happens next.
Processing Time
The IRS usually processes new ITIN applications within seven to eleven weeks. During tax season, it can take longer, especially if you mailed from abroad or had incomplete documents.
Receiving Your ITIN
Once approved, you’ll receive a letter assigning your ITIN. Use this number for all future tax filings, including your federal income tax return, quarterly estimated taxes, and business write-offs.
Renewing an ITIN
If you already have an ITIN but haven’t used it in three years, it expires. Renew it using the same Form W-7 before filing to avoid refund delays.
OnlyFans Tax Checklist After Getting Your ITIN
Once you have your ITIN, integrate it into your tax and business strategy.
- Update platform information. Enter your ITIN wherever your OnlyFans account or payment platform requires a tax ID.
- Track your income. Keep detailed records of your earnings and expenses. This includes editing software, equipment, and subscriptions used for business purposes.
- Understand your tax obligations. As a self-employed individual, you’re responsible for both the employer and employee portions of Social Security and Medicare through self-employment tax.
- Make quarterly estimated payments. If you expect to owe taxes, pay quarterly to avoid penalties.
- Claim deductions and tax credits. You may qualify for deductions like the home office deduction, business expenses, or tax credits such as the American Opportunity Tax Credit or the Child Tax Credit if eligible.
- Work with a tax professional. A professional familiar with creator taxes can help you reduce your tax bill and file taxes accurately.
When you file your tax return, include your ITIN, list your taxable income, report your business expenses, and pay taxes owed. This helps you stay compliant and positions you for future tax credits or refunds.
FAQs
What is the easiest way to get an ITIN number?
The easiest way is to complete Form W-7, attach your federal tax return, include a valid passport, and submit it through a Certifying Acceptance Agent. This reduces the risk of rejection and speeds up approval since your documents are verified before submission. It’s the most convenient route for creators who want their ITIN approved quickly and without mailing original IDs.
How to apply for an ITIN outside of the U.S.?
You can apply using certified copies of your documents or by working with a Certifying Acceptance Agent abroad. Some U.S. embassies also offer certification services that make the process easier for international creators. This approach helps you avoid long mailing times and ensures your documents meet IRS verification standards.
How long does it take to get an ITIN number in the U.S.?
Most applications are processed within seven to eleven weeks. It can take longer during tax season or if the IRS needs additional information or corrections. To avoid delays, double-check your documents and make sure your Form W-7 is filled out completely before submitting.
What is an ITIN number used for?
An ITIN number is used by people who need to file taxes in the U.S. but aren’t eligible for a Social Security Number. It allows you to report income, pay taxes, and stay compliant with IRS requirements. Many self-employed creators, freelancers, and nonresident aliens use an ITIN to file their federal tax returns and claim allowable deductions.
Conclusion
For OnlyFans creators, understanding how to apply for an ITIN number is an important step in building a legitimate and financially secure business. Whether you apply by mail, through a Taxpayer Assistance Center, or with a Certifying Acceptance Agent, getting your ITIN ensures you can file your taxes correctly, pay what you owe, and claim what you deserve.
At The OnlyFans Accountant, we help creators do more than just file taxes, we help you build a solid financial foundation. Whether you’re applying for your first ITIN or managing self-employment income, our team ensures your taxes are accurate, compliant, and stress-free. Contact us today to get personalized guidance on your ITIN application, tax deductions, and long-term business growth.