# Ko-fi as a Stripe alternative Title: Ko-fi: Stripe alternative Description: Ko-fi: See Ko-fi. Dispute See Ko-fi. Hosted storefront. Checked November 9, 2026 on the provider page. Compared with Stripe before you switch. Ko-fi is a hosted storefront. On November 9, 2026 the rate line is See Ko-fi. The dispute line is See Ko-fi. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow. ## What is Ko-fi? Ko-fi is tips, memberships, and a simple shop. It is a hosted creator product. Check Ko-fi's current pricing for whether a given feature uses Ko-fi's payments or a connected processor. This site does not quote a Ko-fi percentage. ## Who should choose Ko-fi? Ko-fi fits: Creators who want tips, memberships, and a small shop without a build. A listing here is not an approval, and a published rate is not a quote. ## Who should look elsewhere? What Ko-fi replaces: A tip jar and a small shop. Not a company merchant account. Look elsewhere when you need something outside that. Underwriting: Platform rules. ## How does Ko-fi charge? Ko-fi has 0 public standard fee lines in this dataset on November 9, 2026. The headline on the profile is "See Ko-fi" because no single list price was transcribed. Use Ko-fi's pricing page for any number this dataset left blank. A blank is not zero. ## What does Ko-fi cost at $10,000, $100,000, and $1 million a month? The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes. Ko-fi does not have a public standard rate in this dataset, so there is no dollar total at $10,000.00, $100,000.00, or $1,000,000.00. Stripe at those volumes, on 2.9% + $0.30 and a $50 ticket, is $10,000.00 → $350.00 (200 × $0.30 + 2.9% of $10,000.00); $100,000.00 → $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00); $1,000,000.00 → $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00). ## Where does Ko-fi operate? Coverage: Creators. That is where Ko-fi operates, not a list of industries it accepts. Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The [restricted-business guide](/guides/stripe-restricted-businesses) is the map of Stripe's own words. ## How does Ko-fi differ from Stripe? Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Ko-fi is a hosted storefront with the rate line See Ko-fi and the dispute line See Ko-fi. Ko-fi is software around a payment. It does not, on the record above, replace the merchant account by itself. You still pay whoever moves the card. ## How do you switch from Stripe to Ko-fi? Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The [switching guide](/guides/switching-from-stripe) covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account. 1. Export Stripe customers, prices, and dispute history while the dashboard still allows it. 2. Ask Ko-fi, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one. 3. Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan. 4. Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems. 5. If Stripe has already closed the account, plan for customers to enter cards again. ## What usually goes wrong? The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts. The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line. ## Which providers are similar? These listings share Ko-fi's type. The order is alphabetical, not a rank. - [Koji](/alternatives/koji): Not available. - [Memberful](/alternatives/memberful): Likely the connected processor's rate, plus Memberful. - [MemberSpace](/alternatives/memberspace): The connected processor's rate. - [Patreon](/alternatives/patreon): Patreon's platform fee. See Patreon. Also read [Stripe's fee breakdown](/guides/stripe-fees-explained) and the [pricing dataset](/data/pricing). ## Questions ### What does Ko-fi publish as its card rate? Ko-fi's rate line in this directory is See Ko-fi, read on November 9, 2026. Use that line only for the product it describes. ### What is Ko-fi's dispute fee? Ko-fi's dispute line is See Ko-fi. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026. ### Is Ko-fi the merchant of record? Ko-fi is a hosted storefront, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise. ### Where does Ko-fi operate? Creators. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Ko-fi has approved. ### Should you leave Stripe for Ko-fi? Only when this is the fit: Creators who want tips, memberships, and a small shop without a build. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Ko-fi does not become a yes just because it is on this page. ### How much is Ko-fi at $10,000 a month? Ko-fi has no public standard rate in the November 9, 2026 dataset, so this page does not invent a total at $10,000. Stripe on a $50 ticket is $350.00 at 2.9% + $0.30. ## Sources Last verified November 9, 2026. - Ko-fi pricing: https://ko-fi.com/?ref=https%3A%2F%2Fwww.stripealternatives.com - Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com - Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com ## Related - [Stripe pricing profile](/alternatives/stripe.md) - [How Stripe's US fees add up](/guides/stripe-fees-explained.md) - [How to switch from Stripe](/guides/switching-from-stripe.md) - [Stripe alternatives for creators](/best/creators.md) - [Pricing dataset for November 9, 2026](/data/pricing.md) - [All provider profiles](/alternatives.md) - [Koji profile](/alternatives/koji.md) - [Memberful profile](/alternatives/memberful.md)