Open data · v1.0.0
Platform rules for crypto & finance educators
What 11 selling platforms and payment providers say on their own pages about fees, finance and crypto content, refunds and payouts. Each rule links to its source and shows the date we read it. We quote; we don’t interpret.
Patreon
| Topic | What the platform says | Source |
|---|---|---|
| Fees | Standard plan: 10% of creator income for creators who started publishing after 4 Aug 2025, plus payment processing, currency conversion, payout fees and taxes. Earlier creators may be on legacy plans. | Platform fees overviewread 13 Sep 2026 · page dated 3 Aug 2026 |
| Finance & crypto content | Permits analytical, educational, journalistic and historical work on banking, business, cryptocurrency and finance; excludes financial advice, promoting or selling investment opportunities or financial products, and cryptocurrency launches. | Banking, business, cryptocurrency, and financeread 13 Sep 2026 |
| Refunds & cancellation | Members can request a refund within 60 days; creators can issue refunds within 90 days; members self-cancel and keep access through the paid period. | How a fan requests a refund; How refunds workread 13 Sep 2026 · page dated 2 Sep 2026 |
| What you can sell | Paid memberships and one-time payments for products. | Pricing; memberships and one-time paymentsread 16 Sep 2026 |
| Payouts | Payout mechanics and payout fees are documented; the schedule varies by payout method. | Payout fees overviewread 16 Sep 2026 · page dated 16 Sep 2026 |
Whop
| Topic | What the platform says | Source |
|---|---|---|
| Fees | 2.7% + $0.30 per successful domestic-card transaction; other fees itemised separately. | Standard Pricing; Paymentsread 13 Sep 2026 |
| Refunds & cancellation | The seller remains the supplier and is responsible for descriptions, pricing, delivery, access, support, returns and refund decisions; access period and delivery mechanism must be disclosed at purchase. | 1 Our Role; 3 Your Responsibilitiesread 13 Sep 2026 |
| Finance & crypto content | No first-party finance or crypto category rule located. The seller terms reference a prohibited-products policy. | Your Products; Prohibited Products and Services Policyread 13 Sep 2026 |
| What you can sell | Digital products, courses and communities. | Sell pageread 16 Sep 2026 |
Gumroad
| Topic | What the platform says | Source |
|---|---|---|
| Fees | 10% + $0.50 on direct and profile sales; 30% on sales through Discover. Gumroad states it is merchant of record for tax. | Simple transparent pricing; Tax managementread 13 Sep 2026 |
| Finance & crypto content | Currency exchange, virtual currency, cryptocurrency and other crypto products are listed among prohibited products. | Item 20read 13 Sep 2026 · page dated 2 Aug 2026 |
| Payouts | Several selectable payout schedules. | Payout scheduleread 16 Sep 2026 |
| What you can sell | Digital products and memberships. | Pricing FAQread 16 Sep 2026 |
Fourthwall
| Topic | What the platform says | Source |
|---|---|---|
| Fees | Free plan: 5% on digital products and 5% on memberships. Pro removes the digital-product fee; the membership fee stays 5%. | Plans & pricing; Launch membershipsread 13 Sep 2026 |
| Refunds & cancellation | Separate member self-cancellation, access-end communication and creator refund controls are documented. | Membership Cancellation Flow and Exit Surveysread 13 Sep 2026 |
| Finance & crypto content | No first-party finance or crypto category rule located. | Terms of Serviceread 13 Sep 2026 |
Ko-fi
| Topic | What the platform says | Source |
|---|---|---|
| Fees | Free plan: 0% on tips, 5% on memberships, shop and commissions. The Standard plan applies 5% to all payment types. | How does the 0-5% service fee work?read 16 Sep 2026 · page dated 16 Sep 2026 |
| Payouts | Creators connect their own Stripe or PayPal; earnings go there directly. | Get paid instantly; FAQread 16 Sep 2026 |
| What you can sell | Tips, memberships, a shop and commissions. | Pricingread 16 Sep 2026 |
Buy Me a Coffee
| Topic | What the platform says | Source |
|---|---|---|
| Fees | 5% platform fee, plus Stripe processing and payout fees. | Platform Fee; Payment Processing Feesread 16 Sep 2026 · page dated 18 Mar 2026 |
| Payouts | Payouts on Wednesdays, after review and once a threshold is met. | How do I get paid?read 16 Sep 2026 |
| What you can sell | Tips, memberships and a shop. | What is Buy Me a Coffeeread 16 Sep 2026 |
Passes
| Topic | What the platform says | Source |
|---|---|---|
| Fees | Homepage states creators keep 90% of earnings. | Creator Earningsread 13 Sep 2026 |
| What you can sell | Memberships, paid messages, calls, livestreams, groups, merch and digital products; finance is listed among supported industries. | Every Industryread 13 Sep 2026 |
Substack
| Topic | What the platform says | Source |
|---|---|---|
| Fees | 10% on paid subscriptions, plus Stripe card and billing fees; geographic exceptions apply. | Are there any fees?read 16 Sep 2026 · page dated 16 Sep 2026 |
| Who carries refunds & chargebacks | Publishers use Stripe Connect and are merchant of record, responsible for refunds and chargebacks. | Disputesread 13 Sep 2026 · page dated 26 Feb 2026 |
| Refunds & cancellation | 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. | Subscriber Refundsread 13 Sep 2026 · page dated 3 Aug 2026 |
| What you can sell | Paid newsletter subscriptions; creators set the price. | Paid Subscriptionsread 16 Sep 2026 · page dated 21 Apr 2025 |
Stan Store
| Topic | What the platform says | Source |
|---|---|---|
| Fees | 0% transaction fee on $29/month Creator or $99/month Creator Pro; payment processors charge separately. | Stan feesread 13 Sep 2026 · page dated 19 Aug 2025 |
Kajabi
| Topic | What the platform says | Source |
|---|---|---|
| Fees | Basic / Growth / Pro at $143 / $199 / $399 per month billed annually ($179 / $249 / $499 monthly); third-party payment provider fees separate. | Annual and monthly plansread 13 Sep 2026 |
| Finance & crypto content | Kajabi's guide says individual creators distributing their own content generally do not need Stripe preapproval, but each creator's industry and content must still comply with Stripe's rules. | What does this mean for Heroesread 13 Sep 2026 |
Stripe
| Topic | What the platform says | Source |
|---|---|---|
| Finance & crypto content | Platforms that host or distribute third-party content and enable paid tips, exclusive content or digital goods are restricted businesses subject to additional due diligence; individual creators on approved platforms are treated separately. | Content creation platformsread 13 Sep 2026 |
| Who carries refunds & chargebacks | With direct charges the connected account is debited for refunds and disputes; with destination charges the platform is debited. | Charge types; Refunds; Disputes and chargebacksread 13 Sep 2026 |
How it’s built
- What it covers
- Rules that decide where and how a crypto or finance educator can sell: fees, content policy, refunds, payouts and who carries refunds and chargebacks.
- Sources
- First-party pages only — each platform’s pricing, terms, guidelines and help centre. No reviews, forums or third-party summaries.
- How each row is made
- The rule in the platform’s own terms, the page section it comes from, the date we read it and the page’s own update date when it gives one. Where we looked and found no rule, the row says so.
- Updates
- Pages are re-read on a weekly watch. A changed rule becomes a new dated row and a new version; nothing is silently rewritten. Last updated 2 Oct 2026.
- Limits
- This is what the pages say, not legal advice and not our reading of how a rule applies to you. Rules change — check the linked page before relying on one.
- Licence & citation
- CC BY 4.0. Cite as: XRaydium, “Platform rules for crypto & finance educators”, v1.0.0, 2026-10-02, xraydium.com/data/platform-rules. Each platform’s own text remains theirs.
See how XRaydium itself compares, using the same rows: comparisons.