Stop Losing Money to Paywalls & Processors
See how PrivaPaid's encrypted vault compares to platforms, processors, and traditional paywalls on fees, privacy, encryption, and settlement.
Every Paywall Option. Side by Side.
No competitor combines content encryption, non-custodial payments, buyer privacy, and instant settlement.
| Patreon / Substack | Gumroad | Stripe | Ko-fi | PrivaPaid | |
|---|---|---|---|---|---|
| Fees | 5–12% + processing | 10% flat | 2.9% + $0.30/tx | 0–5% + processing | Flat subscription |
| Buyer Privacy | Card statement | Card statement | Card statement | Card statement | Full privacy |
| Non-Custodial | |||||
| Chargeback Risk | High | High + $15/dispute | High + $15/dispute | High | None |
| Content Censorship Risk | High (content policies) | Medium | Medium | High (content policies) | None |
| Settlement Speed | Monthly payouts | Weekly payouts | 2–7 days | Weekly payouts | <1 second |
| Account Required | Yes (buyer + seller) | Yes (buyer + seller) | Buyer: no | Yes (buyer + seller) | Optional |
| Setup Difficulty | Easy (their platform) | Easy | Developer integration | Easy | Single script tag |
| Micropayments | Minimums | Minimums | Minimums | Minimums | $0.01+ |
| Encrypted Content Delivery | AES-256 |
On $5,000 Monthly Revenue
Every dollar lost to fees is a dollar you earned but never received.
On $50,000 Monthly Revenue
At higher volumes, percentage-based fees become devastating. PrivaPaid stays flat.
Why Creators Are Switching
Each payment option has specific pain points that cost creators money, time, and peace of mind.
Patreon / Substack
- 5–12% platform cut on every sale, tip, and subscription
- Content policy restrictions — platforms decide what you can and can't publish
- Monthly payouts only — your money sits in their account, not yours
- Zero buyer privacy — accounts required, every purchase tracked and tied to an identity
PrivaPaid: 0% platform cut. Instant settlement. Complete buyer privacy. No platform gatekeeping.
Gumroad
- 10% flat fee on every transaction you process
- Chargeback disputes cost $15 each on top of losing the sale
- Weekly payouts with holds — your money isn't available instantly
- No content encryption — your digital files can be shared and pirated after purchase
PrivaPaid: Flat subscription. Zero chargebacks. AES-256 encrypted delivery prevents piracy.
Stripe
- 2.9% + $0.30 per transaction — fees add up quickly at scale
- $15 per chargeback dispute plus the lost sale itself
- Developer integration required — not built for creators, built for engineers
- No content delivery — Stripe processes payments but doesn't protect or deliver your content
PrivaPaid: Flat fee, no per-transaction cost. Zero chargebacks. Encrypted content delivery built in.
Ko-fi
- PayPal/Stripe processing fees on every transaction, even on the free tier
- Content restrictions — strict policies on what types of content can be sold
- No micropayments — minimum transaction amounts make small-ticket content unviable
- Custodial — your funds flow through their platform before reaching you
PrivaPaid: Non-custodial. Micropayments from $0.01. No platform gatekeeping. Funds go straight to your wallet.
What No Other Vault Can Offer
No Platform Gatekeeping
No arbitrary content policies. No payment processor pulling the plug. Bitcoin Lightning operates outside traditional payment rails. Your content, your rules.
Complete Buyer Privacy
No account required to pay. No personal data collected by default. No purchase history stored. Privacy-conscious buyers become paying buyers when there's nothing to track.
Non-Custodial
Funds flow directly to your Lightning wallet. PrivaPaid never touches your money. No holdbacks, no reserves, no frozen accounts. Your keys, your coins.
Per-sale fees
Chargebacks. Ever.
Settlement time
Buyer privacy
Done Losing Money to Fees?
The encrypted vault with non-custodial Lightning payments. Keep everything you earn.