XRaydium vs Substack
Substack is built around a paid newsletter, with the publisher as merchant of record. XRaydium is a fiat storefront for crypto and finance educators selling one-off products as well as memberships. Here is what each platform's own pages say.
Side by side
| Feature | XRaydium | Substack |
|---|---|---|
| Platform fee | Platform fee currently 0% on sales. Fiat, via Stripe. | 10% on paid subscriptions, plus Stripe card and billing fees; geographic exceptions apply.source · read 16 Sep 2026 |
| What you can sell | One-off digital products and recurring memberships, priced in fiat. | Paid newsletter subscriptions; creators set the price.source · read 16 Sep 2026 |
| Who is merchant of record | Your buyer's card is charged by NorthPoint Marketing Solutions Oy, which operates XRaydium; the payment is then transferred to your connected Stripe account, and refunds and chargebacks are handled by the operator (terms §2). | Publishers use Stripe Connect and are merchant of record, responsible for refunds and chargebacks.source · read 13 Sep 2026 |
| Refunds | Buyer contacts the creator first, then the operator; refunds go back to the original card through Stripe. Members cancel from their account page (/refunds). | Refund requests within 7 days are generally honoured unless a perk was claimed or the publisher marked the subscription non-refundable; later requests go to the publisher.source · read 13 Sep 2026 |
How Substack works
Substack runs paid newsletter subscriptions through the publisher's own Stripe Connect account; Substack says the publisher is merchant of record and handles refunds and chargebacks, with a 7-day refund route for subscribers.
Every competitor figure above links to the platform’s own page and shows the date we read it (register updated 2 Oct 2026). Pricing and policies change — verify current pricing with each provider before relying on a figure. The full register is published as open data. Platform rules for crypto & finance educators
What XRaydium does differently
An XRaydium offer can show, before anyone pays, who it is for, what is included and excluded, how and when it is delivered, and the refund rule — the terms the creator declared, recorded with the purchase. Crypto and finance listings also carry a general risk disclosure. Payments are fiat; there is no token, wallet or investment product.
Frequently asked questions
- How do XRaydium's fees compare to Substack's?
- Substack: 10% on paid subscriptions, plus Stripe card and billing fees; geographic exceptions apply. (read 16 Sep 2026 on Substack's own page). XRaydium's platform fee is currently 0% on sales, plus Stripe processing. Pricing changes — check each provider's page.
- Does XRaydium involve any token or crypto payment?
- No. XRaydium is fiat-only: digital products and memberships paid by card. There is no token, wallet or investment product — 'crypto' refers to educators who teach about crypto, not to anything XRaydium issues.
Comparison is for information only and reflects publicly listed details at the time of writing; platform features and pricing change — verify current details with each provider. XRaydium is a fiat monetization platform; there is no token, wallet, or investment product. This is not legal or financial advice.