Buy Me a Coffee vs Ko-fi (2026): Which Pays Better?
Both are popular donation, tip & crowdfunding tools. Here is how Buy Me a Coffee and Ko-fi stack up on requirements, what you keep, payout terms, strengths and weaknesses, and which one we would pick.
Buy Me a Coffee
Tip jar, memberships and digital extras for creators; 5% fee, instant payouts.
8.0 /10
Pricing: Free
Pros
- Set up in minutes with one-off tips, memberships and shop items
- Instant payouts and no monthly fee
Cons
- 5% plus processing
- Supporter data lives on the platform
Ko-fi
Tips, memberships, commissions and a shop with 0% platform fee on donations; Ko-fi Gold at $8 a month.
8.1 /10
Pricing: Free plan, paid from $8/mo
Pros
- No platform fee on tips, and Gold removes fees elsewhere for a flat $8
- Commissions feature for artists
Cons
- Less discovery than Patreon
- Design is basic
Buy Me a Coffee vs Ko-fi at a glance
| Buy Me a Coffee | Ko-fi | |
|---|---|---|
| Editor score | 8.0 / 10 | 8.1 / 10 |
| Pricing model | Free | Freemium |
| Starting price | Free | $8/mo |
| Web rank | #4.1k | #2.7k |
| Minimum traffic | None | None |
| Revenue share / fee | 5% plus payment fees | 0% on donations; 5% on shop and memberships (0% with Gold, $8/mo) |
| Commission | – | – |
| Payout | Instant | Instant via PayPal / Stripe |
| Methods served | donations tips, memberships subscriptions, digital products | donations tips, memberships subscriptions, digital products, coaching services |
| Niches accepted | General, Tech & SaaS, Finance & Insurance, Health & Supplements, Gaming & Esports, E-commerce & Retail | General, Tech & SaaS, Finance & Insurance, Health & Supplements, Gaming & Esports, E-commerce & Retail |
| Reader upvotes | 0 | 0 |
| Best for | tips, memberships, creators | tips, commissions, memberships |
Our pick
Ko-fi edges it with a score of 8.1 versus 8.0. Ko-fi is the better fit if you value: no platform fee on tips, and gold removes fees elsewhere for a flat $8, commissions feature for artists. Choose Buy Me a Coffee instead if you need: set up in minutes with one-off tips, memberships and shop items, instant payouts and no monthly fee.
Other donation, tip & crowdfunding tools to consider
Full ranking →GitHub Sponsors 🧰 PlatformFree
Recurring and one-time sponsorship for open-source maintainers and developers, with zero fees for individuals.
Kickstarter 🧰 PlatformFree
All-or-nothing crowdfunding for creative projects; 5% fee plus payment processing on successful campaigns.
Open Collective 🧰 PlatformFree
Transparent funding for open-source projects and communities, with fiscal hosting and public budgets.
Liberapay 🧰 PlatformFree
Non-profit recurring donation platform with no platform fee, popular in open source.