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

在 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.

在 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

Your escape kit

A few modules that bring you out together

Move your support page, memberships, and shop, all of it, into a place where 0% doesn't cost extra.

你的 Stripe

REEF with

Members

你的會員、你的金流，0% 抽成。按等級收費（$7×等級），永遠不抽你營收。

0% 純收銀

REEF with

Checkout

一條乾淨的收銀管線 —— 錢直接進你自己的 Stripe，中間沒有人插手。

免費起手

REEF with

Card

免費的 link-in-bio，零浮水印。先擁有一頁，之後一鍵長成完整的 Site。

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 Stripe. 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