Go Beyond Tips.
Instant Bitcoin Payments for Creators.
Stop losing money to processing fees on every tip. Get paid instantly via Lightning with near-zero fees and zero chargebacks.
Start Selling for FreeSee How Much You'll Save
Ko-fi
0% + 2.9% + $0.30/tx
-$59 in fees
Zapable Free
~1% network fee only
+$49 more vs Ko-fi
Zapable Pro
$15/mo + ~1% network
+$34 more vs Ko-fi
Switch to Zapable and save up to $49 per month
Feature Comparison
| Feature | Ko-fi | Zapable |
|---|---|---|
| Payment Methods | PayPal / Stripe | Bitcoin + Cards |
| Processing Fees | 2.9% + $0.30 | ~1% network |
| Payout Speed | 1-5 Days | Instant |
| Chargebacks | Standard Risk | Zero Risk (Lightning) |
| Product Types | Limited Digital Products | Full Digital Marketplace |
| Bitcoin Support | None | Native Lightning |
Why Creators Choose Zapable Over Ko-fi
Instant Payouts, Not Days
Ko-fi payments go through PayPal or Stripe, meaning 1-5 day settlement times and potential holds. With Zapable, Lightning payments hit your wallet in seconds. No waiting, no middlemen, no surprises.
Keep More on Small Tips
Ko-fi's $0.30 per-transaction fee devastates small tips—a $3 tip loses $0.39 (13%). Zapable's Lightning Network has no fixed per-transaction fee, so micro-payments and tips stay valuable for creators.
Sell Globally, No Barriers
Ko-fi relies on PayPal and Stripe, which aren't available everywhere. Bitcoin is borderless—accept support and sell products to fans anywhere in the world, including the 2 billion people without access to traditional banking.
Ko-fi vs Zapable: what's actually different
Ko-fi is great at what it was built for — tips, donations, and light memberships — and its free tier famously takes 0% platform fee. But the moment you scale into selling digital products seriously, the picture changes: payments still run through PayPal or Stripe (with their fees and payout timing), unlocking commerce features pushes you toward Ko-fi Gold (around $6/month), and like any card-based platform you carry chargeback risk. It's a donation tool that does shops, rather than a storefront built for sales.
Zapable is built for selling first: a real product storefront where Bitcoin payments land instantly in your own wallet, with no platform cut and no chargebacks. You don't depend on PayPal or Stripe staying happy with your account, and there's no Gold tier to unlock the basics. If selling digital products — not collecting tips — is the goal, Zapable keeps more of every sale and pays you faster.
Frequently Asked Questions
Absolutely. Zapable is built for creators who want to maximize their earnings and get paid instantly. While Ko-fi charges no platform fee, you still lose 2.9% + $0.30 per transaction to PayPal or Stripe processing. Zapable charges 0% platform fees with only minimal Bitcoin network fees, meaning you keep more of every sale—especially on smaller transactions like tips where fixed fees hit hardest.
Ready to Keep More of Your Earnings?
Join creators who've already made the switch to instant, low-fee payments.