Sendclap vs Buy Me a Coffee
Buy Me a Coffee takes a 5% platform fee, and Stripe's 2.9% + 30¢ and a 0.5% payout fee come on top, with 1% more for payments from outside the US and 0.5% more for memberships. Sendclap charges a flat 1% plus Stripe's card fee, and no payout fee. On a $10 US tip you keep about $8.86 with Buy Me a Coffee and about $9.31 with Sendclap by card, or $9.90 by crypto.
What you keep from a sale
| Sale | Buy Me a Coffee, US one-off (5% + 2.9% + 30¢ + 0.5%) | Sendclap, card (1% + Stripe 2.9% + 30¢) | Sendclap, crypto (1%) |
|---|---|---|---|
| $5 | $4.28 | $4.51 | $4.95 |
| $10 | $8.86 | $9.31 | $9.90 |
| $50 | $45.50 | $47.75 | $49.50 |
Buy Me a Coffee's column is a one-off payment from the US: 5% platform fee, Stripe's 2.9% + 30¢ and the 0.5% payout fee, all taken from the full amount. On $10 a membership payment leaves $8.81, a one-off from outside the US $8.76 and a membership from outside the US $8.71. The Sendclap card column uses Stripe's US rate (2.9% + 30¢) and ignores any extra Stripe charges for international cards or currency conversion. Source: Buy Me a Coffee's help center on charges, updated March 18, 2026, read on 2026-11-14.
What is different besides the fee
- Payout fee. Buy Me a Coffee passes on Stripe's 0.5% payout processing fee. Sendclap charges no payout fee of its own.
- Who holds the money. With Sendclap, card payments go to your own Stripe account (Stripe Connect Standard) and crypto payments go to your wallet through a public smart contract. Sendclap never holds your funds.
- Products and license keys. Sendclap sells digital products with download delivery and license keys, with activate, validate and deactivate endpoints and SDKs in seven languages (docs), next to tips and memberships.
- Taxes. Sendclap is not a merchant of record: you stay the seller and handle sales tax and VAT yourself.
- Crypto and agents. Sendclap accepts crypto (USDC on Base) at the same 1%, and exposes an API, an MCP server and x402 payments so AI agents can buy a product or tip.
Where Buy Me a Coffee is the better choice
Buy Me a Coffee is a familiar, friendly tipping page that supporters recognise, and a simple setup is a real advantage for someone who only wants a tip jar. It also lets you choose to have supporters cover the card fee. Sendclap doesn't have Buy Me a Coffee's name recognition, and you handle your own taxes. Choose Sendclap when you want a lower fee on tips and memberships, no payout fee, a crypto option, or products with license keys alongside them.
A flat 1%, and nothing else from Sendclap
One page for memberships, tips and products with license keys, by card or crypto. No monthly fee.
See every platform's fees side by side and how the 1% works.