Can I switch from Ko-fi to PayLinks?

Yes, you can start using PayLinks anytime. Create your free account in 30 seconds and start sending payment links immediately. No contract or notice period required.

What are the fees for PayLinks vs Ko-fi?

PayLinks has a 2% fee per transaction with no monthly fee. Ko-fi charges 5% (free) or 0% (Gold) plus a monthly fee of $12/month (Gold). With PayLinks, you only pay when you earn.

Do I need a registered business for PayLinks?

No! PayLinks allows you to start collecting payments even as an individual, without a registered business. This is one of the major differences compared to Ko-fi which typically requires business registration.

Do I need a website for PayLinks?

No! Unlike many other payment solutions, PayLinks doesn't require a website. You create a payment link and send it to your client via email, SMS, or any messaging app. Perfect for freelancers and businesses without a website.

PayLinks vs Ko-fi - Complete Comparison 2026

TL;DR — In Brief

PayLinks: Create an account in 30 seconds, send a link, customer pays. No website, no business registration required. Ko-fi: Better suited for independent creators. Larger ecosystem, but payments are not the main focus.

30s

PayLinks Setup

Monthly Fee

Yes

No Business Required

Global

Payments Accepted

Detailed Comparison

Feature	PayLinks	Ko-fi
Payment links	✅	✅
Recurring payments	✅	✅
Apple Pay	✅	✅
Google Pay	✅	✅
Revolut Pay	✅	❌
No business registration	✅	✅
No website required	✅	✅
Instant setup (30 sec)	✅	✅
Local support	✅	❌
Fee	2%	5% (free) or 0% (Gold)
Monthly fee	None	$12/month (Gold)

Competitor information is accurate as of February 2026 and is based on publicly available data. Prices and features may change. Always verify on official websites for the latest information.

✅

Choose PayLinks if you want:

👉Fixed 2% fee with no subscription
👉Simple and fast setup
👉Professional payment links

🔍

Choose Ko-fi if you want:

👉0% fees with Gold subscription
👉Integrated community and gallery
👉More creator tools (e.g., commissions)

What is PayLinks?

PayLinks is a simple way to collect payments online, created for freelancers and entrepreneurs. Create a link in 30 seconds, send it via WhatsApp or Instagram, customer pays with card or Apple Pay, money arrives in your account. No website, no POS, no business registration required.

30 second setupNo business registration required - start as individualNo website or technical knowledge requiredAll payment methods: Card, Apple Pay, Google Pay, Revolut Pay

What is Ko-fi?

Ko-fi — "Make money doing what you love". It's a fintech platform that offers payment functionality alongside other financial services.

0% fees with Gold planInstant payouts to creatorsMultiple monetization options (donations, shop, memberships)Direct fan interaction

Pricing Comparison

PayLinks

Fee:2%
Monthly fee:$0
Setup:Free

Ko-fi

Fee:5% (free) or 0% (Gold)
Monthly fee:$12/month (Gold)
Setup:Varies

Who is each better for?

PayLinks is for you if:

✅Freelancers and solopreneurs
✅Individuals wanting to collect online
✅Private tutors and teachers
✅Trainers and coaches
✅Photographers and videographers

Ko-fi is for you if:

☑️Independent creators
☑️Artists and writers
☑️Streamers and podcasters

Questions about PayLinks vs Ko-fi

It depends on your needs. PayLinks is ideal for freelancers and small businesses who want to collect payments simply, without a website and without technical knowledge. Ko-fi is better suited for independent creators.