Creator Tips & Memberships (USD) 7.9% + $0.30

Ko-fi Fee Calculator (Free 5% vs Gold 0%)

Calculate exact Ko-fi Creator Shop deductions in USD, model international card + FX conversion spreads, or switch to reverse mode to pass fees cleanly onto a client invoice.

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Transaction amount (USD)

Calculation mode

Monthly transactions

Cross-border card +1.5% Currency conversion +0%

Net payout kept

$91.80

Kept: 91.8% Fee: 8.2%

Gross charge $100.00

Ko-fi Creator Shop deduction -$8.20

Effective fee rate 8.20%

12-month fee total (50 orders/mo)

$4,920.00/year

Ideal merchant profile

Illustrators, writers, and indie devs taking tips, commissions, and shop sales. Typical settlement window: Instant directly to your Stripe or PayPal.

Fee schedule watchout

Free Ko-fi takes 5% on shop/memberships (+2.9% Stripe). Once shop sales pass $240/mo, Ko-fi Gold ($12/mo) pays for itself.

Ko-fi Creator Shop (Global) payout & reverse-invoice schedule

Pre-calculated USD payouts comparing domestic cards (7.9% + $0.30) against cross-border FX payments (9.40% + $0.30).

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Sale Amount	Domestic Fee	Domestic Net	Cross-Border + FX Fee	Invoice to Net Exact
$25	-$2.27 (9.1%)	$22.73	-$2.65 (10.6%)	$27.47
$100	-$8.20 (8.2%)	$91.80	-$9.70 (9.7%)	$108.90
$500	-$39.80 (7.96%)	$460.20	-$47.30 (9.46%)	$543.21
$2,500	-$197.80 (7.91%)	$2302.20	-$235.30 (9.41%)	$2714.77
$10,000	-$790.30 (7.9%)	$9209.70	-$940.30 (9.4%)	$10858.09

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Common questions: Ko-fi Creator Shop (Creator Tips & Memberships)

How much does Ko-fi Creator Shop take from $100 in Creator Tips & Memberships?

On a domestic $100 USD transaction, Ko-fi Creator Shop deducts $8.20 (7.9% + $0.30), leaving $91.80 net payout. If the buyer uses an international card requiring currency conversion, total deductions reach $9.70 (9.7%).

How much should I invoice to receive $100 after Ko-fi Creator Shop fees?

To net an exact $100.00 after domestic Ko-fi Creator Shop processing fees, charge $108.90. On cross-border FX transactions, charge $110.71.

Does Ko-fi Creator Shop handle VAT, GST, and US sales tax automatically?

No. Ko-fi Creator Shop is a payment processor, not a Merchant of Record. You remain responsible for tax registration and remittance (automated tax calculation add-ons typically cost an extra 0.5% per transaction).

Why are Ko-fi Creator Shop effective fees higher on $10 micro-orders?

Because the fixed $0.30 per-charge fee applies regardless of cart size. On a $10 order, Ko-fi Creator Shop takes $1.09, resulting in a 10.9% effective deduction.