Sendclap vs Ko-fi
Ko-fi takes no platform fee on tips on its free plan, takes 5% on its paid features (or 0% with a fixed monthly Gold plan), and card processing comes on top. Sendclap charges a flat 1% plus Stripe's card fee on every payment. For pure tips Ko-fi is cheaper than Sendclap; for memberships and products on one page, a flat 1% is lower than Ko-fi's 5% without Gold.
What you keep from a sale
| Sale | Ko-fi tips (0%, before processing) | Ko-fi paid features (5%, before processing) | Sendclap, card (1% + Stripe 2.9% + 30¢) | Sendclap, crypto (1%) |
|---|---|---|---|---|
| $5 | $5.00 | $4.75 | $4.51 | $4.95 |
| $10 | $10.00 | $9.50 | $9.31 | $9.90 |
| $50 | $50.00 | $47.50 | $47.75 | $49.50 |
The Ko-fi columns are the platform fee only: Ko-fi's page says processing fees come on top without a figure we could use, so we haven't invented one and what you actually keep from Ko-fi is lower than shown. The Sendclap card column already includes Stripe's fee. 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: ko-fi.com/gold, as read on 2026-11-14.
What is different besides the fee
- Like for like. Ko-fi's 0% and 5% are before card processing; Sendclap's card column includes it. Compare Ko-fi's tips and Sendclap's crypto column (1%, nothing else) for the clearest gap.
- Gold. Ko-fi's paid plan, Gold, replaces the 5% with a fixed monthly price. If your sales are large enough, that can come out below any percentage; check the current price on Ko-fi.
- 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.
- 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 Ko-fi is the better choice
If you mostly take tips, Ko-fi is the better choice: its tips on the free plan carry no platform fee, which Sendclap's 1% cannot match. Sendclap makes more sense when memberships and digital products with license keys make up a real share of what you earn, when you want crypto at 1%, or when you want payouts straight to your own Stripe account or wallet.
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.