🇺🇸 Freelance & Creators · United States
Ko-fi vs Substack fees
Ko-fi is cheaper at every amount we tested, from $10 to $5,000. On a $100 payment in the US, Ko-fi takes $8.20 and Substack takes $13.90. Use the calculator to compare your own numbers and settings.
$
Ko-fi is cheaper by $5.70 on this amount.
Ko-fi
Cheaper$91.80
you receive · fees $8.20 (8.2%)
- Ko-fi platform fee−$5.00
- PayPal/Stripe processing−$2.90
- Processing fixed fee−$0.30
Substack
$86.10
you receive · fees $13.90 (13.9%)
- Substack fee−$10.00
- Stripe card processing−$2.90
- Stripe fixed fee−$0.30
- Stripe Billing (recurring)−$0.70
Ko-fi vs Substack fees at common amounts
| Amount | Ko-fi fees | Substack fees | Cheaper |
|---|---|---|---|
| $10 | $1.09 | $1.66 | Ko-fi (−$0.57) |
| $25 | $2.28 | $3.71 | Ko-fi (−$1.43) |
| $50 | $4.25 | $7.10 | Ko-fi (−$2.85) |
| $100 | $8.20 | $13.90 | Ko-fi (−$5.70) |
| $250 | $20.05 | $34.30 | Ko-fi (−$14.25) |
| $500 | $39.80 | $68.30 | Ko-fi (−$28.50) |
| $1,000 | $79.30 | $136.30 | Ko-fi (−$57.00) |
| $5,000 | $395.30 | $680.30 | Ko-fi (−$285.00) |
Ko-fi fee structure
| Fee | How it’s charged |
|---|---|
| Ko-fi platform fee | 5% of the sale price |
| PayPal/Stripe processing | 2.9% of the sale price |
| Processing fixed fee | $0.30 per order |
Substack fee structure
| Fee | How it’s charged |
|---|---|
| Substack fee | 10% of the sale price |
| Stripe card processing | 2.9% of the sale price |
| Stripe fixed fee | $0.30 per order |
| Stripe Billing (recurring) | 0.7% of the sale price |
Frequently asked questions
Is Ko-fi or Substack cheaper?
Ko-fi is cheaper at every amount we tested, from $10 to $5,000. On a $100 payment, Ko-fi charges $8.20 and Substack charges $13.90, so Ko-fi saves you $5.70.
What does Ko-fi charge?
Ko-fi charges 7.9% + $0.30 with default settings in the US.
What does Substack charge?
Substack charges 13.6% + $0.30 with default settings in the US.