Buy Me a Coffee vs Patreon 2026

BMAC: 5% platform fee + 2.9% + $0.30 Stripe. Patreon: 8% (Pro) or 12% (Premium) + processing. Buy Me a Coffee is cheaper for creators focused on one-time tips rather than recurring memberships.

Do I need my own Stripe account for Buy Me a Coffee?

No. Buy Me a Coffee handles payments internally and you don't need to connect a Stripe account. However, you can optionally connect your own Stripe account — in that case, BMAC still charges their 5% fee but you avoid the default Stripe fees.

What is the minimum payout from Buy Me a Coffee?

The minimum payout is $1. You can withdraw immediately to PayPal, bank account, or Stripe.

Buy Me a Coffee Fee Calculator

Calculate Buy Me a Coffee earnings after 5% platform fee and Stripe processing (2.9% + $0.30). Free BMAC fee calculator.

Mode

Sale Price ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

Buy Me a Coffee Fee Calculator — 2026

Calculate your net earnings from Buy Me a Coffee after the 5% platform fee and Stripe payment processing.

5% platform fee

Buy Me a Coffee's flat fee on all payments received.

Stripe processing

2.9% + $0.30 per transaction shown separately.

Fee rates verified and updated April 2026. Rates may change — verify directly with the platform before transacting.