The monthly fee, the percentage of each sale, the card processing and whose rate it is, and where the money settles — for every platform that gates a paid Discord server, plus the membership platforms next to them. Each row carries its own source and the date it was read, and the underlying data is public.
Each row carries its own verification date
Read on each platform's own pages. Where a platform states nothing, this says so rather than guessing.
| Platform | Monthly fee | % of each sale | Card processing | Gates | Money settles in | Verified |
|---|---|---|---|---|---|---|
| Whop1 | $0 | 3% sales through an automation (Discord, Telegram, TradingView gating) | 2.7% + $0.30 · its own | Discord, Telegram, TradingView | Whop holds it, then pays out | Aug 3, 2026 |
| LaunchPass | Free $0 · Premium $29 · Ultra custom | 3.5% every sale on the Premium plan; billed per community | The seller's own Stripe | Discord, Telegram, Slack | The seller's own Stripe | Aug 2, 2026 |
| flatpass3 | Free $0 · Starter $29 · Growth $79 · Scale $149 · Max $399 | 0% at every rung | The seller's own Stripe | Discord | The seller's own Stripe | Aug 23, 2026 |
| Subscord3 | Free $0 · Pro $39 · Max $65 · Unlimited $199 | 0% 0% platform fee on card sales; 0.5% plus gas on crypto payments | 2.9% + $0.30 · the seller's own Stripe | Discord | The seller's own Stripe | Aug 23, 2026 |
| PayBot | $0 | 3% every sale | The seller's own Stripe | Discord | The seller's own Stripe | Aug 23, 2026 |
| DoorFee3 | Free $0 · Pro $28 | Free 10% · Pro 2.5% 10% on the Free plan, 2.5% on Pro, both on top of Stripe's processing | The seller's own Stripe | Discord | The seller's own Stripe | Aug 23, 2026 |
| Sublyna3 | Starter $0 · Creator $29 · Business $89 | Starter 5% · Creator 2% · Business 1% transaction fee: 5% on Starter, 2% on Creator, 1% on Business, all on top of Stripe's processing | The seller's own Stripe | Discord, Telegram | The seller's own Stripe | Aug 23, 2026 |
| XOE | $0 | 0% 0% on card payments; 5% on crypto payments (USDC on Base and Solana) | The seller's own Stripe | Discord | The seller's own Stripe | Aug 23, 2026 |
| Upgrade.chat3 | FREE $0 · PRO $19 · VIP $49 · MAX $199 | FREE 5.9% · PRO 4.9% · VIP 3.9% · MAX 2.9% rate per plan: 5.9% on FREE, 4.9% on PRO, 3.9% on VIP, 2.9% on MAX | The seller's own Stripe or PayPal | Discord, Telegram, WhatsApp | The seller's own Stripe or PayPal | Aug 23, 2026 |
| Discord Server Subscriptions2 | $0 | 10% Platform Fee on every transaction type, charged on the payment after taxes, processing and transaction fees come off — 9.4% of a gross desktop or browser sale | 6% · its own | Discord | Discord holds it, then pays out | Aug 24, 2026 |
| Patreon | $0 | 10% creator income, on the single published plan | 2.9% + $0.30 · its own | Discord | Patreon holds it, then pays out | Aug 23, 2026 |
| Ko-fi | $0 | 5% memberships and shop sales; 0% on tips; waived on the paid Gold plan | The seller's own Stripe or PayPal | Discord | The seller's own Stripe or PayPal | Aug 3, 2026 |
| Skool | Hobby $9 · Pro $99 | Hobby 10% · Pro 2.9% transaction fee: 10% on Hobby, 2.9% on Pro | Its own — no rate published | — | Not stated | Aug 23, 2026 |
| Gumroad | $0 | 10% direct sales; sales originated by Gumroad's Discover marketplace are 30% | $0.50 per sale · its own | — | Gumroad holds it, then pays out | Aug 23, 2026 |
| Memberful | Standard $49 · Enterprise custom | 4.9% transaction fee on the Standard plan | The seller's own Stripe | Discord | The seller's own Stripe | Aug 23, 2026 |
| Circle | Professional $89 · Business $199 · Circle Plus custom | Professional 2% · Business 1% · Circle Plus 0.5% transaction fee on paid memberships: 2% Professional, 1% Business, 0.5% Circle Plus | Not stated | — | Not stated | Aug 23, 2026 |
| Tribute | $0 | 10% commission on donations and subscriptions | Its own — no rate published | Telegram | Tribute holds it, then pays out | Aug 23, 2026 |
| Stripe | $0 | — none; Stripe is the processing line, not a platform fee | 2.9% + $0.30 · its own | — | The account that took the charge | Aug 3, 2026 |
The percentage and the processing are both charges on the same sale — read them together. The difference between them is who sets the rate: Whop, Discord and Patreon process their own cards, so their rate follows them wherever the seller is, while the rest run on the seller’s own Stripe or PayPal account and follow the seller’s country and the member’s card. flatpass is one row here, not the first row and not highlighted; where it is the more expensive option is written out under its own note below.
Three things decide whether two fee figures are comparable at all.
All-in, not platform-fee-only. A platform fee is one line of the bill and card processing is another, so every total on this page is the platform’s fee plus processing at that platform’s own rate. This is a rule rather than a preference, and Discord is why: its own processing is 6%, roughly double the 2.7–2.9% everyone else charges, so processing stopped being a constant that divides out of the comparison. Quoting Discord all in at 15.4% beside a platform-fee-only 0% for a flat-fee tool would advertise a fifteen-point gap no seller ever receives.
Whose processing rate it is. Two shapes, and they behave differently. Whop, Discord and Patreon process their own cards, so their rate travels with them — a European seller on Whop still pays Whop’s 2.7% + $0.30. The rest run on the seller’s own Stripe or PayPal account, so the rate is set by the seller’s country and then by the member’s card. A platform being based in the EU does not give its sellers EEA rates, and a platform being based in the US does not impose US rates on a European one. The arithmetic on this page uses Stripe’s US rate throughout so one basis runs through every figure; an EEA seller’s processing is roughly half of it, which moves every total here — including the ones that flatter us.
Comparing a flat fee to a percentage. The crossover is the flat fee divided by the gap between the two percentages — the competitor’s all-in rate minus the processing the seller pays anyway — not by the competitor’s full percentage. Against Whop that is $29 ÷ (5.7% − 2.9%) = $29 ÷ 2.8% ≈ $1,036/month in sales. Dividing by the full 5.7% gives about $509, and that error halves every break-even in the flat-fee platform’s favour. The per-transaction fixed fee cancels: both sides charge one, on the same number of transactions. Each rung has its own crossover — $2,821 for $79, $5,321 for $149 — but only the first is reachable, because a rung applies above its own floor.
All-in monthly cost at a $35/month membership — the assumption every member count on this page rests on.
| Platform | All-in monthly |
|---|---|
| XOE | $18.70 |
| flatpass Free | $18.70 |
| Whop | $32.70 |
| PayBot | $33.70 |
| Ko-fi | $43.70 |
| Sublyna Starter | $43.70 |
| Upgrade.chat FREE | $48.20 |
| Subscord Pro | $57.70 |
| DoorFee Pro | $59.20 |
| LaunchPass Premium | $65.20 |
| Patreon | $68.70 |
| Discord Server Subscriptions | $77.00 |
| Memberful Standard | $92.20 |
| Platform | All-in monthly |
|---|---|
| XOE | $75.10 |
| flatpass Starter | $104.10 |
| Whop | $131.10 |
| PayBot | $135.10 |
| Subscord Max | $140.10 |
| Sublyna Creator | $144.10 |
| DoorFee Pro | $153.10 |
| LaunchPass Premium | $174.10 |
| Ko-fi | $175.10 |
| Upgrade.chat PRO | $192.10 |
| Memberful Standard | $222.10 |
| Patreon | $275.10 |
| Discord Server Subscriptions | $308.00 |
| Platform | All-in monthly |
|---|---|
| XOE | $375.80 |
| Subscord Max | $440.80 |
| flatpass Scale | $524.80 |
| Sublyna Business | $564.80 |
| DoorFee Pro | $653.80 |
| Whop | $655.80 |
| PayBot | $675.80 |
| LaunchPass Premium | $754.80 |
| Upgrade.chat VIP | $814.80 |
| Ko-fi | $875.80 |
| Memberful Standard | $914.80 |
| Patreon | $1375.80 |
| Discord Server Subscriptions | $1540.00 |
The order changes between the three, which is the reason for printing all three rather than one. flatpass is never the outright cheapest of the three. At $500 it ties XOE at $18.70, because both charge nothing and the whole bill is Stripe's. At $2,000 XOE is cheaper — 0% on cards against our $29 rung — and flatpass is second. At $10,000 XOE and Subscord are both cheaper, Subscord by $84 on the strength of a $65 rung where ours is $149. Against Whop and LaunchPass, the flat fee wins from about $1,036/month in sales and does not give it back — at the $35 membership modelled here.
No figure is shown for Skool, Gumroad, Circle, Tribute, Stripe. Skool, Gumroad and Tribute state a single percentage with no separate processing line; Circle publishes no processing rate at all; Stripe is the processing line rather than a platform fee to add one to. A modelled total for any of them would be a number this page made up.
Scope, gaps and the figures that don't appear on a pricing page.
The 3% platform fee applies to any sale run through an automation, which for a Discord seller is every sale — so the real base is 5.7% + $0.30 rather than the 2.7% + $0.30 the pricing page advertises. It appears on none of Whop’s public pricing pages, which is why this is the one row in the dataset verified by direct confirmation rather than by reading it. The 30% marketplace commission was removed in May 2025 — per the independent 2026 breakdowns this row’s 3% also rests on, since Whop publishes no notice of it — and Discover sales now pay the same rates as direct ones, so a guide still quoting 30% is stale. Sales accrue to a Whop balance first, and moving that balance to a bank is a priced action.
whop.com/network/pricing · docs.whop.com/fees · read August 3, 2026
The Free plan cannot charge members — it is a free tier for an unpaid community, not a free way to sell access. Premium is $29/month billed per community, so a seller running two servers pays twice. LaunchPass’s own help centre states the all-in as roughly 6.4% + $0.30, which is its 3.5% plus Stripe’s US 2.9% — unusually straight arithmetic for a pricing page, and the figure this dataset uses.
help.launchpass.com · launchpass.com · read August 2, 2026
This dataset is maintained by flatpass, so this row is the one that has to state where it loses. Up to 15 paid members it is free, and a percentage cannot beat free. From your sixteenth paid member up to about $1,036/month in sales, Whop is cheaper all-in — $29 ÷ 2.8%, the spread between Whop’s 5.7% and the seller’s own 2.9% — which is 16 to 29 paid members at a modelled $35. Subscord is cheaper from 81 to 500 active subscriptions and again above 750: its $65 rung undercuts our $79 and $149, and its $199 uncapped plan undercuts our $399. And below $35 a membership each cap re-opens a losing band, because the caps are break-evens computed at $35: at $25 a month Whop is cheaper at 16–41, 81–112 and 201–212 paid members, and at $10 it is cheaper from 16 to 532.
flatpass.io/pricing · read August 23, 2026
The closest thing here to flatpass’s shape: 0% of card sales, metered on active subscriptions, priced by rung — and its ladder beats ours in two places, $65 for up to 500 subscribers against our $79 and $149, and $199 uncapped against our $399. It connects to Stripe by asking the seller to paste their Stripe API keys, per its setup documentation as read on August 5, 2026, where the Connect-based tools in this table use a scoped grant the seller can revoke from their Stripe dashboard. Crypto payments are 0.5% plus gas.
subscord.com · read August 23, 2026
$0 a month and 3% of every sale, on the seller’s own Stripe account connected over OAuth. Both sides of a comparison with a flat fee therefore pay the same processing, so the whole difference is the percentage: $29 ÷ 3% is about $967/month in sales, below which PayBot costs a seller less than flatpass’s first paid rung. PayBot publishes no card processing rate of its own and no payout schedule — the rate is Stripe’s, in the seller’s country.
paybotapp.com · paybotapp.com/whop-alternative/ · read August 23, 2026
DoorFee’s marketing says 3.9%, and its pricing section publishes a Free plan at 10% and a $28 Pro plan at 2.5%, both on top of the seller’s own Stripe. This dataset carries the published figures, not the marketing one. Pro overtakes Free from about $373/month in sales, which is $28 ÷ 7.5%. Payments run over Stripe Connect and DoorFee’s terms contain no holds or reserves language.
doorfee.io · doorfee.io/terms · read August 23, 2026
The headline “just 1%” is the Business plan’s rate, and Business is $89/month — Starter is free at 5% and Creator is $29 at 2%, all on top of Stripe. Every price on the page carries an “Early Adopter” label, so they may be introductory. The plan table renders only in a browser; a plain fetch gets the heading and no prices, which is exactly the kind of gap that produces a wrong “they don’t publish pricing” claim. How the seller’s Stripe account is connected is not stated.
sublyna.com/pricing · read August 23, 2026
0% on card payments and 5% on crypto (USDC on Base and Solana), with no monthly fee — so a card-only seller’s entire bill is Stripe’s, and XOE is the cheapest row in the worked numbers above at every volume where a total can be computed. The two rails carry different rates, so the effective cost depends on which one members use. XOE states no payout terms.
xoe.gg · xoe.gg/premium · read August 23, 2026
Metered on subscribers: FREE to 500 at 5.9%, PRO $19 to 1,000 at 4.9%, VIP $49 to 2,500 at 3.9%, MAX $199 uncapped at 2.9%. Those are the discounted prices the page displays, against struck-through list prices of $39, $99 and $399. The pricing section has a Monthly / Lifetime toggle and defaults to Lifetime, so a reader who does not switch it — and every fetcher — sees one-off figures rather than monthly ones. Payments go to the seller’s own PayPal or Stripe, at a rate the page does not state.
upgrade.chat/#pricing · upgrade.chat · read August 23, 2026
15.4%, not the 10% every guide quotes: Discord’s Monetization Terms charge a 6% Payment Processing Fee on the gross desktop or browser payment, then a 10% Platform Fee on what is left of it — 9.4% of the sale — before the transaction fees the same schedule adds “as applicable”. It is US-only, and the requirement is on the account rather than the server — 18 or over, verified email and phone, two-factor enabled, and US banking and identification through a new, separate Stripe account. No member-count or server-age bar appears in either document, despite the “~100 members” figure secondary guides repeat.
support.discord.com/hc/en-us/articles/53300758… · creator-support.discord.com/hc/en-us/articles/… · read August 24, 2026
10% platform fee plus Patreon’s own 2.9% + $0.30 processing, so 12.9% + $0.30 on a card, before a 2.5% currency conversion fee on any payment made in another currency and a payout fee of $0.25 to 1%, or $1 by Payoneer. On iOS, Apple’s 30% App Store fee replaces the processing but not the platform fee, so an iOS pledge costs the creator 40% — US customers may get Patreon’s mobile web checkout instead. Legacy plans still run at 5%, 8% and 11% for pages published before August 4, 2025; the 8%/12% structure fee guides describe is retired.
patreon.com/pricing · support.patreon.com/hc/en-us/articles/11111747… · read August 23, 2026
0% on tips, and 5% on memberships and shop sales, waived on the paid Gold plan. Ko-fi does not sit in the payment path at all — payments go to the seller’s own PayPal or Stripe account. Gold’s monthly price is quoted as both $6 and $12 across 2026 guides, and Ko-fi’s own page has not settled which a new seller pays — so this dataset records what Gold does to the fee rather than what it costs.
ko-fi.com/pricing · read August 3, 2026
$9 Hobby at 10% and $99 Pro at 2.9%, each stated as a single transaction fee with no separate processing line and no fixed per-transaction component — which is why no all-in total appears for Skool above. An earlier reading recorded 2.9% + $0.30 rising to 3.9% above $899; neither appears on the page today. Skool hosts the community itself rather than gating a Discord server.
skool.com/pricing · read August 23, 2026
10% + $0.50 on direct sales, and 30% on sales that Gumroad’s own Discover marketplace originates — the scope is the whole difference, and a rate quoted without it is a wrong rate. No separate processing line is published, so an all-in figure cannot be computed from the page. No payout minimum or schedule is published either, and the payout method varies by country.
gumroad.com/pricing · read August 23, 2026
$49/month Standard plus 4.9% of each sale, on top of the seller’s own Stripe — Stripe is connected by the seller and handles payouts and disputes. The free period is a trial rather than a plan: charging starts when the seller goes live and takes payments. A 2026-08-02 reading described a free plan and several paid tiers; the page today publishes one paid plan and a custom Enterprise tier.
memberful.com/pricing · memberful.com/docs/overview/getting-started/pa… · read August 23, 2026
Professional $89 at 2%, Business $199 at 1%, and 0.5% on Circle Plus. The pricing page states no card processing rate anywhere, so no all-in cost can be computed from it — which is why Circle has no total above. A secondary source read on 2026-08-02 put Circle near 7%; the published page is what this dataset carries. Circle hosts the community itself.
circle.so/pricing · read August 23, 2026
Telegram, not Discord. It is in this dataset because it ranks against the Discord platforms for the same queries and a seller comparing them should be able to see that it gates a different chat platform. 10% commission on donations and subscriptions, with no separate processing line published; payouts run on the 25th and the 10th, with a €100 minimum for bank-card payouts.
tribute.tg · read August 23, 2026
Here as the processing line, not as an option — Stripe does not gate a Discord server. The point of the row is whose rate applies: a seller on their own Stripe account pays their own country’s pricing, so a platform being based in the EU does not give its sellers EEA rates, and a platform being based in the US does not impose US rates on a European seller. Within that, the tier follows the member’s card — EEA 1.5% + €0.25, UK 2.5%, international 3.15%, plus 2% where conversion applies, against the US 2.9% + $0.30 every figure on this page is computed with.
stripe.com/pricing · stripe.com/en-de/pricing · read August 3, 2026
In the open, so it can be checked against the pages it came from.
The table above is rendered from data/fees.json in a public repository — github.com/flatpass/discord-monetization-fees, last updated August 24, 2026. Every row has a file beside it recording what was read, where, and what was attempted and failed. It is published under CC BY 4.0: use the numbers, attribute the source.
It is maintained by flatpass, which sells one of the products in the table, and that is a conflict of interest rather than a credential. What is done about it: every figure carries a source URL, a retrieval date and a verification tier; the rows where flatpass is the more expensive option are in the table and named in its own entry; and corrections are logged publicly with credit to whoever found them.
Wrong numbers get fixed and credited. If a rate here is stale or a scope is misstated, open an issue — the changelog is the public half of that record, and it already contains mistakes this maintainer made and had to correct.
It depends on your volume, and the honest answer changes three times. Up to 15 paid members — about $525/month at a $35 membership — flatpass is free, and a percentage of your sales cannot beat nothing. From your sixteenth paid member to about $1,036/month in sales a percentage platform wins, because there is still little for a percentage to take — Whop's 5.7% + $0.30 all in is the cheapest of the well-known ones there, and between roughly 81 and 500 paid subscribers a rung-priced tool like Subscord's $65 beats the flat fees around it. Above $1,036/month, flat monthly fees win against the percentage platforms and keep winning. One row sits under all of that: XOE charges no monthly fee and 0% on card payments, so it ties flatpass inside the free band and is the cheapest row in the $2,000 and $10,000 tables above. The rule that produces the crossovers: a flat fee beats a percentage above flat fee ÷ (the competitor's all-in % − your own processing %), so $29 against Whop is $29 ÷ 2.8%, not $29 ÷ 5.7%.
Yes, on sales gated through one of its automations — Discord, Telegram or TradingView — which for a Discord seller is every sale. It is not on Whop's public pricing page, which advertises 2.7% + $0.30 card processing and no monthly fee, so the all-in figure a Discord seller actually pays is about 5.7% + $0.30. This dataset carries it as a direct confirmation (August 3, 2026) rather than as a reading, and says so on the row, because a reader who checks the pricing page will not find it there.
15.4% of a desktop or browser sale, not the 10% almost every guide quotes. Discord's Monetization Terms charge a 6% Payment Processing Fee on the total payment, then a 10% Platform Fee — the famous 90/10 split — on that payment less taxes, processing and transaction fees. So the 10% lands on 94% of the sale, which is 9.4% of it, and the two rates do not add to 16%: on a $10 sale Discord takes $0.60, then $0.94, and the seller keeps $8.46. Transaction fees the same schedule adds "as applicable" come on top. Discord's own processing being roughly double everyone else's is the reason every figure in this dataset is computed all-in rather than platform-fee-only.
No — on fees, Whop is cheaper at every volume. LaunchPass all in is $29 + 3.5% + the seller’s own Stripe 2.9% + $0.30; Whop all in is its 3% automation fee on Discord-gated sales + its own 2.7% + $0.30. The difference is $29 plus 0.7% of sales, which is positive everywhere, so there is no crossover to find. LaunchPass’s case is ownership rather than price — the seller’s own Stripe, no platform balance, and Slack and Telegram alongside Discord. The full comparison: Whop vs LaunchPass.
Divide the flat fee by the gap between the two percentages, not by the competitor's percentage. The seller on the flat-fee platform still pays card processing, so only the spread has to be made up: $29 against Whop is $29 ÷ (5.7% − 2.9%) = $29 ÷ 2.8% ≈ $1,036/month in sales. Dividing by the full 5.7% gives about $509 and is wrong — it halves every break-even, and it halves it in the flat platform's favour. The per-transaction fixed fee washes out entirely when both sides charge one on the same number of transactions.
Every figure was read on the platform’s own pricing page, terms or help centre, and carries the URL and the date it was read — the one exception is Whop’s 3%, which is unpublished and is labelled as a direct confirmation. The whole dataset is public under CC BY 4.0 at github.com/flatpass/discord-monetization-fees, with a changelog of every correction. Use it, attribute it, and open an issue if a number is wrong.
Whop: whop.com/network/pricing, read August 3, 2026 · LaunchPass: launchpass.com, read August 2, 2026 · flatpass: flatpass.io/pricing, read August 23, 2026 · Subscord: subscord.com/#pricing, read August 23, 2026 · PayBot: paybotapp.com, read August 23, 2026 · DoorFee: doorfee.io/#pricing, read August 23, 2026 · Sublyna: sublyna.com/pricing, read August 23, 2026 · XOE: xoe.gg/premium, read August 23, 2026 · Upgrade.chat: upgrade.chat/#pricing, read August 23, 2026 · Discord Server Subscriptions: support.discord.com/hc/en-us/articles/53300758…, read August 24, 2026 · Patreon: patreon.com/pricing, read August 23, 2026 · Ko-fi: ko-fi.com/pricing, read August 3, 2026 · Skool: skool.com/pricing, read August 23, 2026 · Gumroad: gumroad.com/pricing, read August 23, 2026 · Memberful: memberful.com/pricing, read August 23, 2026 · Circle: circle.so/pricing, read August 23, 2026 · Tribute: tribute.tg, read August 23, 2026 · Stripe: stripe.com/pricing, read August 3, 2026 · Whop's 3% platform fee is on none of those pages and rests on a direct confirmation plus independent breakdowns; every other figure was read on the page linked beside it.
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