On this page
Key takeaways
- Lowest fees: Ghost (0% cut, you pay hosting) or Ko-fi Gold (0% for $12/mo flat).
- Keep per-creation billing: Folloverse, the only platform here built around it.
- Writers and newsletters: Substack or Ghost.
- Course and community business: Circle.
- Sell digital products without an audience: Gumroad.
- Merch plus memberships: Fourthwall.
- Own your website and billing: Memberful or Ghost.
- Simplest tip jar: Buy Me a Coffee or Ko-fi.
Why creators are leaving Patreon right now
Three things are driving the search for a Patreon alternative in 2026. None of them is minor.
First, fees. Creators who joined Patreon after August 4, 2025 pay a flat 10% platform fee, plus payment processing on top. Legacy creators may still be on older rates, 5% to 12% depending on their plan, but new accounts have no negotiating room. At scale, that 10% compounds.
Second, and more urgent: Patreon is retiring per-creation billing. Every creator still on it must switch to monthly subscription billing by November 1, 2026, and one-to-one migration support from Patreon's team ends September 30, 2026. The change is driven by Apple's rule that iOS in-app purchases use subscription billing only, so Patreon had little choice. The full breakdown is in Patreon's per-creation billing removal explained.
The migration math is what stings. Patreon converts your per-creation price to a monthly price by multiplying it by the highest number of paid posts you published in any of the last three months. It lets you choose a lower whole-number multiplier, but a patron who paid less in slow months may still land on a higher fixed monthly price. That is the moment many creators decide to look elsewhere.
Third, billing inflexibility. Patreon supports monthly and annual subscriptions. That is it. Creators who want to charge per post, sell individual pieces of content, or mix revenue models have to bolt on separate tools: a shop here, a newsletter there. The platform was not built for that, and it shows.
What is per-creation billing?
Per-creation billing charges fans each time you publish a paid post, rather than automatically every month. There's a monthly cap, so a busy month never surprises anyone, and fans pay only when you actually make something. It suits creators whose output does not follow a fixed schedule. There's a fuller explanation on our per-creation billing page.
What to look for in a Patreon alternative
Not every platform that competes with Patreon is right for every creator. Run through this before you commit.
- 1. Billing models. Does it support the way you actually publish? Monthly subscriptions suit consistent schedules. Per-creation billing suits irregular output. Pay-per-view suits one-off premium content. Most platforms support one of these. A few support two. Only one on this list supports all three.
- 2. Fee structure. Platform fee plus payment processing is the honest number. A "5% platform" and a "10% platform" are closer than they look once Stripe's 2.9% + $0.30 is added to both. The fee reality check below runs the real math.
- 3. Community features. If your audience engagement lives on the platform, check whether it has forums, chat, or direct messaging. If you're happy running community elsewhere, on Discord or over email, this matters less.
- 4. Audience ownership. Can you export your member list? What happens if the platform shuts down or changes its terms? Portability is insurance.
- 5. Discovery. Some platforms, Substack and Gumroad among them, have built-in discovery that can surface you to new readers. Others are pure infrastructure: you bring your own audience.
The best Patreon alternatives in 2026: quick comparison
Platform fees only. Payment processing (about 2.9% + $0.30) applies on top for every option. Verified September 2026.
- Platform fee
- 10% (new accounts)
- Billing models
- Monthly, annual (per-creation retiring Nov 2026)
- Community built-in
- Chats, comments, polls
- Audience export
- Yes (some emails withheld)
- Platform fee
- 6% (0% for 3 mo.)
- Billing models
- Memberships + per-creation + pay-per-view
- Community built-in
- Chat, forums, DMs
- Audience export
- Roadmap
- Platform fee
- 0–5%, or $12/mo for 0%
- Billing models
- Tips, memberships, shop
- Community built-in
- Minimal
- Audience export
- Yes
- Platform fee
- 0% + hosting
- Billing models
- Monthly, annual, one-time tips
- Community built-in
- Comments, newsletter
- Audience export
- Yes (full export)
- Platform fee
- 10%
- Billing models
- Monthly, annual
- Community built-in
- Chat, Notes
- Audience export
- Yes
- Platform fee
- 10% + $0.50
- Billing models
- One-time, subscriptions
- Community built-in
- Minimal
- Audience export
- Yes
- Platform fee
- 5%
- Billing models
- Tips, monthly memberships, shop
- Community built-in
- Minimal
- Audience export
- Yes
- Platform fee
- $89–199/mo + 0.5–2%
- Billing models
- Memberships, courses, events
- Community built-in
- Strongest here
- Audience export
- Yes
- Platform fee
- $49/mo + 4.9%
- Billing models
- Monthly, annual, one-time, pay-what-you-want
- Community built-in
- None native
- Audience export
- Yes (you own Stripe)
- Platform fee
- 5% memberships
- Billing models
- Memberships, merch, digital, tips
- Community built-in
- Light (Discord roles)
- Audience export
- Limited
- Platform fee
- 5%
- Billing models
- Monthly tiers
- Community built-in
- DMs, polls
- Audience export
- Limited
The billing models column is the one to read carefully. Most platforms here support a single model, usually monthly memberships. Folloverse is the only option that combines memberships, per-creation billing, and pay-per-view posts in one place, at a flat 6% with no platform fee for your first three months. If that's what you're after, you can create your account in a minute.
Every platform in detail
Folloverse
Best for: Publishing on your own scheduleA creator monetization platform built around billing flexibility: memberships, per-creation charges, and pay-per-view posts in one place, with community built in.
- Platform fee:
- 6% flat, and 0% for your first three months
- Processing:
- 2.9% + $0.30 (Stripe)
- Billing models:
- Per-creation billing, monthly memberships, pay-per-view posts, and hybrid posts (free for members and a one-time unlock for everyone else, at once)
- Community:
- Built-in chat channels, forum spaces, and direct messages
- Audience export:
- Not yet, it's on the roadmap. There's no lock-in and you can leave any time.
What it does well: Choose monthly or per-creation base billing, then offer individual paid posts and digital products alongside it. Native chat and separate forum channels let fans hold quick conversations and organize titled discussions in the same creator space. Membership access and one-time purchases can coexist on a post; Patreon also supports that arrangement.
What it lacks: Folloverse is newer than every other name on this list. The creator base is smaller, which means less built-in discovery. There is no audience export yet. The mobile app is less mature than Patreon's. If you need an established platform with a large existing audience and a polished app, that gap is real.
Honest verdict: If per-creation billing or billing flexibility is why you're evaluating alternatives, Folloverse is the direct answer. If you want a large existing community to discover you, it isn't, yet.
Patreon
Best for: The most recognized brand in membershipsThe original creator membership platform, still the largest by creator count.
- Platform fee:
- 10% for creators who joined after Aug 4, 2025. Legacy accounts keep 5–12% depending on plan.
- Processing:
- 2.9% + $0.30, plus 2.5% on currency conversion
- Billing models:
- Monthly and annual subscriptions, one-time purchases. Per-creation billing retiring November 1, 2026.
- Community:
- Native chats with threaded replies, comments and polls; Discourse integration for forums
- Audience export:
- Yes, member CSV, though some emails are withheld if a patron opted out
What it does well: Brand recognition. Patrons know what Patreon is and trust it. The mobile app is polished. Discovery through Patreon's own surfaces, while limited, exists.
What it lacks: Patreon schedules the transition from legacy per-creation billing for November 1, 2026. Its standard platform rate is 10%, while legacy pricing can differ. A separate forum uses the Discourse integration rather than a native forum channel.
Honest verdict: If you're already on Patreon and your audience is stable, the switching cost may not be worth it. If you're starting fresh or losing per-creation billing, the case for staying is weaker than it was two years ago.
Ko-fi
Best for: A path to 0% fees without a large monthly commitmentA low-friction support platform built around tips, with memberships and a shop layered on top.
- Platform fee:
- 0% on tips. 5% on memberships and shop on the free plan. 0% on everything with Ko-fi Gold ($12/mo, or $6/mo paid annually).
- Processing:
- Paid straight to your PayPal or Stripe (about 3% + $0.30). Ko-fi never holds your money.
- Billing models:
- One-time tips, monthly memberships, shop, commissions
- Community:
- Minimal: direct messages and Discord role integration
- Audience export:
- Yes, download your supporter list any time
What it does well: The fee structure is genuinely creator-friendly. At $12 a month for Ko-fi Gold, a creator earning $500+ a month comes out ahead of any percentage-based platform. Payments go directly to your Stripe or PayPal, so Ko-fi is not in the middle of the money flow.
What it lacks: No per-creation or pay-per-view billing. Community tools are thin. If you want a forum or chat, you're building it elsewhere.
Honest verdict: One of the best options for fee-conscious creators who primarily want tips and memberships. Not the right fit if billing flexibility or community are priorities.
Ghost
Best for: Owning your entire stack at the lowest long-term feeAn open-source publishing platform with a 0% revenue cut. You pay for hosting, not a percentage of earnings.
- Platform fee:
- 0% revenue cut. Self-host free, or Ghost(Pro) hosting from about $18/mo, scaling by member count.
- Processing:
- Your own Stripe (about 2.9% + $0.30)
- Billing models:
- Monthly and annual subscription tiers, one-time tips
- Community:
- Native comments and newsletters, no social feed
- Audience export:
- Yes, full content (JSON) and member (CSV) export
What it does well: At volume, Ghost is the cheapest option on this list. You keep your content, your audience, and your Stripe relationship. Full export means no lock-in. The publishing tools are excellent for writers.
What it lacks: Setup requires more technical comfort than plug-and-play platforms. No built-in discovery. No per-creation or pay-per-view billing. Community features stop at comments and email.
Honest verdict: The right call for creators who think in terms of long-term ownership and are comfortable with a bit of setup. The wrong call if you want zero configuration or built-in community.
Substack
Best for: Writers who want zero setup and access to a reader networkA newsletter-first publishing platform with a built-in paid subscription model and cross-network discovery.
- Platform fee:
- 10% of paid subscriptions
- Processing:
- 2.9% + $0.30, plus about 0.5% on recurring
- Billing models:
- Monthly and annual (both required), plus a founding-member tier
- Community:
- Chat for subscribers and Notes for cross-network discovery
- Audience export:
- Yes, export your email list and your posts
What it does well: Discovery is Substack's real differentiator. The Notes feed and recommendation network can surface new writers to existing Substack readers. Setup is genuinely fast. The brand is trusted by readers.
What it lacks: The fee is 10%, identical to Patreon and higher than most alternatives here. Billing is limited to subscriptions. You cannot sell individual posts or charge per creation. At scale, the fee compounds significantly.
Honest verdict: Worth it early, when discovery value outweighs the fee. Harder to justify at $5,000 a month, when Ghost or Memberful would cost a fraction.
Gumroad
Best for: Selling digital products fast, even with no audienceA digital product marketplace that lets creators sell files, courses, and subscriptions, with or without an existing audience.
- Platform fee:
- 10% + $0.50 on your own links. 30% on Gumroad Discover, which includes processing.
- Processing:
- 2.9% + $0.30 on direct sales
- Billing models:
- One-time digital product sales, subscriptions
- Community:
- Minimal, an email/newsletter feature only
- Audience export:
- Yes
What it does well: No monthly fee, so you can start selling immediately. Gumroad Discover gives discoverability to new sellers without an audience, though at a steep 30% cut. The product delivery workflow is clean.
What it lacks: The 10% + $0.50 fee on direct sales is among the highest here in effective terms. No community tools. No per-creation billing. Gumroad and Patreon usually come down to whether you're selling products or building an ongoing supporter relationship, which are different models.
Honest verdict: Strong for one-off digital product sales. Weak for recurring, community-based creator relationships.
Buy Me a Coffee
Best for: The simplest possible setup for fan supportA simple support platform built around one-click tips, with memberships and a basic shop added on.
- Platform fee:
- Flat 5%, no monthly fee
- Processing:
- 2.9% + $0.30, plus 0.5% on recurring and 1% on international
- Billing models:
- One-time tips, monthly memberships, a simple shop
- Community:
- Minimal, creator-to-supporter email
- Audience export:
- Yes
What it does well: Fast to set up. The 5% flat fee is predictable. No monthly cost to worry about. Supporters understand the format immediately.
What it lacks: No per-creation billing. No community tools beyond basic email. No path to 0% fees without switching platforms. Not designed for complex creator businesses.
Honest verdict: A good secondary tip jar. Not a full platform replacement for creators who want billing flexibility or community.
Circle
Best for: A course-and-community business in one placeA community platform for course creators and membership businesses, with the strongest community tooling on this list.
- Platform fee:
- $89/mo (Basic) or $199/mo (Professional), with 2% and 1% transaction fees respectively. Custom enterprise pricing available.
- Processing:
- 2.9% + $0.30 (Stripe), on top of Circle's fee
- Billing models:
- Paid memberships, one-time payments, courses, events
- Community:
- The strongest here: spaces, chat, courses, events, live rooms
- Audience export:
- Yes, member CSV and an admin API on higher tiers
What it does well: If community is the product, Circle is the most purpose-built option here. The toolset (spaces, chat, courses, events, live rooms) is genuinely comprehensive. It's what you'd build if you were designing a community platform from scratch.
What it lacks: The monthly fee makes it expensive at low volume. At $89 a month plus transaction fees, a creator earning $500 a month is paying over 18% before processing. Not designed for per-creation billing or individual content sales.
Honest verdict: Right for community-first businesses at meaningful revenue. Wrong for creators who mainly want to monetize content rather than build a community product.
Memberful
Best for: Memberships on your own website, with your own StripeA membership infrastructure layer that sits on top of your existing website, billing through your own Stripe account.
- Platform fee:
- $49/mo plus a 4.9% transaction fee
- Processing:
- Your own Stripe (about 2.9% + $0.30)
- Billing models:
- Monthly, annual and custom subscriptions, one-time, trials, gifts, pay-what-you-want, digital downloads
- Community:
- No native community, integrates Discord, Circle, and Discourse
- Audience export:
- Yes, and that's its point: you own your Stripe and your member data
What it does well: Audience ownership is Memberful's core proposition. Your Stripe relationship is yours. Your member data is yours. The billing model variety is the widest here after Folloverse, and it integrates cleanly with WordPress and other CMS platforms.
What it lacks: The $49 a month base fee plus 4.9% is expensive at low volume. No native community tools, so you're integrating Discord or Circle separately. No built-in discovery.
Honest verdict: The right call for established creators who want maximum ownership and already run their own website. The wrong call if you want a standalone platform with community built in.
Fourthwall
Best for: Merch plus memberships with no upfront costA creator storefront that combines memberships with physical merch, digital products, and tips.
- Platform fee:
- 5% on memberships. Merch sold at base cost, so you keep the margin. 0% on digital with Fourthwall Pro.
- Processing:
- 2.9% + $0.30 on US cards
- Billing models:
- Memberships, physical merch, digital products, tips
- Community:
- Light: member perks and Discord role integration
- Audience export:
- Limited and not clearly documented
What it does well: The merch model is genuinely different. Fourthwall handles production and fulfillment, and you set your own margin over base cost, so there's no inventory risk. The 5% membership fee is competitive.
What it lacks: Community tools are minimal. Audience export is limited. No per-creation or pay-per-view billing. Not designed for content-first creators without a merch angle.
Honest verdict: Strong if merch is part of your creator business. Less compelling if it isn't.
SubscribeStar
Best for: Patreon-style memberships at a lower platform feeA Patreon-style membership platform with a 5% fee and a reputation for lenient content policies.
- Platform fee:
- 5%
- Processing:
- 3% to 10% + $0.30 to $0.40 depending on payment method, plus 3.5% international
- Billing models:
- Monthly subscription tiers
- Community:
- Direct messages and polls
- Audience export:
- Limited: API and webhooks rather than a clean CSV export
What it does well: The 5% platform fee is lower than Patreon's 10% for new creators, and the structure is familiar to anyone coming from Patreon, which makes it a straightforward like-for-like swap.
What it lacks: Processing fees are higher and less predictable than on Stripe-based platforms. Audience export is not clean, with no simple CSV. The $150 payout minimum and rolling reserves are real friction points. Community tools are thin.
Honest verdict: A reasonable Patreon alternative for creators who want a similar format. The processing fee variability and payout friction are worth understanding before you commit.
The fee reality check
Most comparison pages quote platform fees and stop there. That is not the honest number. Real take-home includes the platform fee and payment processing, which Stripe charges at roughly 2.9% + $0.30 per transaction on every platform here.
Below: $1,000 a month from 100 supporters paying $10 each, so 100 transactions. Figures are rounded and sorted by take-home.
Ko-fi Gold
- Platform fee
- $12/mo flat
- Processing
- $32
- Total fees
- $44
- Take-home
- $956
Ghost
- Platform fee
- $0 cut, $25/mo hosting
- Processing
- $32
- Total fees
- $57
- Take-home
- $943
Buy Me a Coffee
- Platform fee
- $50 (5%)
- Processing
- $32
- Total fees
- $82
- Take-home
- $918
Fourthwall
- Platform fee
- $50 (5%)
- Processing
- $32
- Total fees
- $82
- Take-home
- $918
Folloverse
- Platform fee
- $60 (6%)
- Processing
- $32
- Total fees
- $92
- Take-home
- $908
SubscribeStar
- Platform fee
- $50 (5%)
- Processing
- $62
- Total fees
- $112
- Take-home
- $888
Memberful
- Platform fee
- $49/mo + $49 (4.9%)
- Processing
- $32
- Total fees
- $130
- Take-home
- $870
Patreon
- Platform fee
- $100 (10%)
- Processing
- $32
- Total fees
- $132
- Take-home
- $868
Substack
- Platform fee
- $100 (10%)
- Processing
- $32
- Total fees
- $132
- Take-home
- $868
Circle
- Platform fee
- $89/mo + $20 (2%)
- Processing
- $32
- Total fees
- $141
- Take-home
- $859
Gumroad
- Platform fee
- $150 (10% + $0.50)
- Processing
- $32
- Total fees
- $182
- Take-home
- $818
- Ghost's advantage shrinks at low volume. At $200 a month, $25 of hosting is a 12.5% effective rate. Ghost wins at scale.
- Ko-fi Gold wins in the middle. Past about $240 a month, a flat $12 beats any 5% platform.
- Memberful's $49 base fee hurts at low volume. At $5,000 a month the effective rate drops a long way.
- Gumroad's $0.50 per transaction compounds fast when you have many small transactions.
- SubscribeStar's processing varies by payment method and can run well above Stripe-based platforms.
For your own numbers at your own pledge levels, use the Patreon fee calculator.
How to choose
Your creator type decides the right platform. Start from what matters most to you.
Fan-supported creators with irregular output
You publish when you have something worth publishing. Monthly billing asks your audience for the same amount in a quiet month as in a busy one. Per-creation billing is the honest model for how you work, and Folloverse is the only platform here built around it. If you want a simpler setup and don't need per-creation, Ko-fi or Buy Me a Coffee are the lowest-friction options.
Writers and newsletter creators
You need a clean reading experience, email delivery, and ideally some discovery. Substack is the fastest path to readers if you're starting from zero, because the discovery network is real. Ghost is the better long-term call once you have an audience and want to stop paying 10%. If you want to control everything from day one, Ghost wins.
Community builders
Your product is the community itself: discussions, events, courses, live sessions. Circle is purpose-built for this and nothing else here comes close on community tooling. The monthly fee is the cost of that infrastructure.
Digital product sellers
You're selling files, courses, or templates rather than building an ongoing membership relationship. Gumroad is the simplest path, especially if you want access to Gumroad Discover. Memberful is better if you want recurring subscriptions layered onto your own site.
Creators who want maximum ownership
You want your Stripe account, your member data, and your content under your own domain. Memberful or Ghost are the answers. Both give you full portability. Neither gives you discovery.
Migrating from Patreon: what actually moves
The honest answer: less than you'd hope, and more than you'd fear.
What moves
- Your patron email list, exported as a CSV from Patreon's creator dashboard. Patrons who opted out of email sharing will be missing.
- Your post archive, via Patreon's export tool.
- Your tier structure, which you rebuild on the new platform.
What does not move, anywhere
- The active billing relationship. Every patron has to subscribe again on the new platform. There is no technical way to transfer a recurring payment from one platform to another, so plan for a re-subscription gap.
- Patron payment history and lifetime value data, which stays in Patreon's system.
- Your Patreon page URL and any search equity it has built.
Practical steps
- 1. Export your patron list from Patreon before you announce anything: Creator Dashboard, then Patron Manager, then Export.
- 2. Set up your new page first. Have it live and accepting members before you tell anyone.
- 3. Announce with a reason and a deadline. "I'm moving to [platform] on [date] because [honest reason]. Here's the link to re-subscribe." Vague announcements lose patrons.
- 4. Give 30 days' notice at minimum. Some patrons will miss the first announcement, so send a reminder at two weeks and again at one week.
- 5. Keep Patreon active during the transition. Don't cancel it until your new platform has stabilized. Running both in parallel for 60 to 90 days is common.
- 6. Accept that you'll re-earn some subscriptions. Expect 60% to 80% to re-subscribe in the first month. Some patrons will return later. Some won't. That is the real cost of switching.
For a step-by-step version with email templates and timing, see the Patreon per-creation migration checklist.
Frequently asked questions
What is the best free Patreon alternative?
Ko-fi and Buy Me a Coffee both let you start for free. Ko-fi takes 0% on tips and 5% on memberships on its free plan, and Buy Me a Coffee takes a flat 5%. Ghost is free if you self-host. None are truly free once payment processing is included, because Stripe or PayPal charges apply on every platform regardless.
Is there a Patreon alternative with no fees?
No platform takes 0% with no strings attached. Ghost comes closest with a 0% revenue cut, but you pay hosting, from about $18 a month on Ghost(Pro) or server costs if you self-host. Ko-fi Gold removes Ko-fi's platform fee for a flat $12 a month. Both are genuinely low-cost at meaningful revenue, but neither is free.
What is the best Patreon alternative for artists?
It depends on how you publish. Artists with irregular output, a new piece every few weeks rather than a fixed monthly schedule, are best served by per-creation billing, so fans pay only when you publish. Folloverse is the only platform here built around it, and its pay-per-view posts let you sell individual pieces alongside a membership. Artists who publish consistently and want the simplest setup should look at Ko-fi or Buy Me a Coffee. The guide for artists compares the five platforms an artist would shortlist.
How do I move my patrons to another platform?
Export your patron email list from Patreon's creator dashboard (Patron Manager, then Export). Set up your new platform first. Then announce the move with a clear reason, a link to re-subscribe, and a deadline. Every patron has to actively re-subscribe, because there is no automatic transfer of a billing relationship. Expect 60% to 80% to re-subscribe in the first month, with some returning later. The migration checklist has email templates and a full timeline.
Is Folloverse a good Patreon alternative?
Yes, specifically for creators who want per-creation billing or billing flexibility. Folloverse is the only platform on this list that combines memberships, per-creation billing, and pay-per-view posts in one place, at a flat 6% with no platform fee for your first three months. The honest limitations: it's a newer platform with a smaller creator base, there's no audience export yet, and the mobile app is less mature than Patreon's. If per-creation billing is why you're leaving Patreon, Folloverse is the direct answer. If you want a large established discovery engine, it isn't, yet.
What is the difference between sites like Patreon and platforms like Substack or Ghost?
Sites like Patreon, including Folloverse, SubscribeStar, and Buy Me a Coffee, are built around the creator-fan support relationship: tiers, memberships, and direct fan funding. Substack and Ghost are publishing platforms first, with monetization layered on. The distinction matters. Patreon-style platforms are optimized for fan relationships and billing; publishing platforms are optimized for content delivery and audience growth. Plenty of creators use both.
How does Gumroad compare to Patreon?
It's a question of model, not just fees. Patreon is built for recurring fan support through monthly memberships and ongoing relationships. Gumroad is built for selling digital products, often as one-time purchases. The 10% + $0.50 Gumroad fee is high for recurring subscriptions but reasonable for one-off sales where no monthly fee applies. If you're selling products, Gumroad. If you're building a supporter community, a Patreon-style platform is the better fit.
How does SubscribeStar compare to Patreon?
This is the most direct platform-to-platform comparison on the list. Both use monthly subscription tiers, and SubscribeStar's 5% platform fee is lower than Patreon's 10% for new creators. But SubscribeStar's processing fees are higher and less predictable, the $150 payout minimum is real friction, and audience export is limited. For a familiar Patreon-style format at a lower platform fee it's a reasonable option, with the caveat that the total fee picture is more complex than the headline number suggests.
How we compared
Every fee, billing model, community feature, and export policy above was checked against each platform's own pricing and help pages in September 2026, not copied from other comparison articles. Pricing changes often, so each entry links to its source for you to confirm. Folloverse is included and assessed by the same criteria as everyone else, including an honest note on where it falls short. If you spot something out of date, email contact@folloverse.com.
If per-creation billing is why you're here
Folloverse keeps per-creation billing alive, with hybrid post access and a flat 6% fee. Your first three months have no platform fee.
