For Ko-fi creators who found out real monetization costs 5%

Leave Ko-fi's 5%.Real monetization can be 0% too — no extra plan to buy.

Ko-fi tips really are 0% — but the moment I turn on memberships or sell products, they take 5%. Want 0%? You have to pay monthly for Gold.

Move my memberships and shop to my own payment processor

Free preview first · 0% cut, nothing extra to buy

A different way to look at it

You were told Ko-fi is free and generous.
Once you actually start monetizing, that 0% turns into a subscription you have to buy.

Let's be honest about it

Same monetization — who's taking 5% of it

On Ko-fi

Your payments pass through their hands

Memberships and shop sales: 5%

On the free plan, the moment you turn on memberships, sell products, or take commissions, they take 5% across the board.

Want 0%? Pay monthly for Gold

To go cut-free, you need to subscribe to Ko-fi Gold, a paid monthly plan. That 0% becomes a plan you have to buy.

On top of any plan, there's still payment processing

No matter which plan you're on, payment processing still applies.

On feelreef

Payments land straight in your account

Real monetization is still 0%

Memberships, shop, payments — all 0% cut. No extra Gold plan to buy.

Money goes straight into your Stripe

Every dollar your supporters pay lands straight in your own account. We never touch it.

Priced per tier, not a cut of your revenue

Membership is a flat $7/tier — grow all you want, we don't take an extra cent.

The Ko-fi figures on this page were checked on 2026-07-31. Their plans can change at any time and we don't promise to update this — please check the current state for yourself. Source: ko-fi.com/gold

This is the whole point

Real monetization is still 0% cut,
money goes straight into your Stripe.

Your payments, your money — we never touch a cent

Money lands straight in your own account. Not a 0% promo — 0%, forever.

platform cut · forever

See your support page moved over first

Tell us about your current Ko-fi, and we'll build a free preview — memberships, shop, payments, all settled safely into your own reef. 0% with nothing extra to buy.

Move my memberships and shop to my own payment processor

See it before you pay · no lock-in · your people and your money stay yours