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about:contribute [2023/07/23 02:35] – [PayPal] mhloppyabout:contribute [2023/09/13 23:02] (current) – [Ko-Fi] Clarified that no additional fees is because of Ko-Fi gold subscription mhloppy
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 https://liberapay.com/Infosec.exchange/ https://liberapay.com/Infosec.exchange/
  
-  * Intended for recurring donations. +  * **Used for:** recurring donations. 
-  * Fees: Low-Medium (via Stripe) to Medium-High (via PayPal).+  * **Fees:** Low-Medium (via Stripe) to Medium-High (via PayPal).
  
 Current as of July 2023, Liberapay uses Stripe and PayPal as payment processors (along with associated fees).((https://en.liberapay.com/about/payment-processors)) Liberapay does not take an additional cut on top of these fees, instead relying on donations.((https://en.liberapay.com/about/faq)) Current as of July 2023, Liberapay uses Stripe and PayPal as payment processors (along with associated fees).((https://en.liberapay.com/about/payment-processors)) Liberapay does not take an additional cut on top of these fees, instead relying on donations.((https://en.liberapay.com/about/faq))
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 https://www.patreon.com/infosecexchange https://www.patreon.com/infosecexchange
  
-  * Intended for recurring donations. +  * **Used for:** recurring donations. 
-  * Fees: Medium-High (<$3 USD) to High-Very High (>$3 USD)+  * **Fees:** Medium-High (<$3 USD) to High-Very High (>$3 USD)
  
-Patreon has a special arrangement with their payment processors that allows for comparatively low fees on very small (<$3 USD) donation amounts.((https://support.patreon.com/hc/en-us/articles/11111747095181-Creator-fees#heading-2)) However, Patreon also takes an additional 5-12% cut,((https://support.patreon.com/hc/en-us/articles/11111747095181-Creator-fees#heading-1)) making their platform expensive if only using it for donations.+Patreon allows for comparatively low fees on very small (<$3 USD) donation amounts.((https://support.patreon.com/hc/en-us/articles/11111747095181-Creator-fees#heading-2)) There is a 2.5% currency conversion fee if not paying in the creator's currency (USD).((https://support.patreon.com/hc/en-us/articles/11111747095181-Creator-fees#h_01GME8SHFPSQ4PBN55MB9ZXGBF)) Patreon also takes an additional 5-12% cut,((https://support.patreon.com/hc/en-us/articles/11111747095181-Creator-fees#heading-1)) making their platform expensive if only using it for donations.
  
-Although a once-off donation is possible by starting then cancelling a pledge, Patreon's higher fees means this is typically **not recommended**.+Although a once-off donation is possible by starting then cancelling a pledge, Patreon's higher fees means doing so is typically **not recommended**.
  
 ===== Ko-Fi ===== ===== Ko-Fi =====
 https://ko-fi.com/infosecexchange https://ko-fi.com/infosecexchange
  
-  * "Natively" supports both once-off and recurring donations. +  * **Used for:** once-off and recurring donations. 
-  * Fees: Low-Medium (via Stripe) to Medium-High (via PayPal)+  * **Fees:** Low-Medium (via Stripe "Pay with Card") to Medium-High (via PayPal)
  
-Ko-Fi charges no additional fees for using their platform,((https://help.ko-fi.com/hc/en-us/articles/360002506494-Does-Ko-fi-take-a-fee-#what-fees-does-ko-fi-charge--0-1)) and uses Stripe and PayPal as their payment processors (along with associated fees).((https://help.ko-fi.com/hc/en-us/articles/360002506494-Does-Ko-fi-take-a-fee-#do-payment-processors-take-a-fee--0-2))+Ko-Fi charges no additional fees for using their platform for Ko-Fi gold subscribers (such as the Infosec.Exchange account),((https://help.ko-fi.com/hc/en-us/articles/360002506494-Does-Ko-fi-take-a-fee-#what-fees-does-ko-fi-charge--0-1)) and uses Stripe and PayPal as their payment processors (along with associated fees).((https://help.ko-fi.com/hc/en-us/articles/360002506494-Does-Ko-fi-take-a-fee-#do-payment-processors-take-a-fee--0-2))
  
 ===== PayPal ===== ===== PayPal =====
 Direct your payment to ''Jerry@infosec.exchange'' Direct your payment to ''Jerry@infosec.exchange''
  
-  * Intended for once-off donations. +  * **Used for:** once-off donations. 
-  * Fees: **complicated**+  * **Fees:** //complicated//.
  
 Sending money directly through PayPal incurs variable fees depending on whether the transaction is domestic or international, the source of the funds (bank account, card, etc), and whether the sender selects the "Friends and Family" options.((https://www.paypal.com/us/webapps/mpp/paypal-fees))((https://www.paypal.com/us/webapps/mpp/merchant-fees)) Sending money directly through PayPal incurs variable fees depending on whether the transaction is domestic or international, the source of the funds (bank account, card, etc), and whether the sender selects the "Friends and Family" options.((https://www.paypal.com/us/webapps/mpp/paypal-fees))((https://www.paypal.com/us/webapps/mpp/merchant-fees))
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 === Domestic (sender within US): === === Domestic (sender within US): ===
  
-^ Friends and Family? ^ Funding source                                     ^ Fee*                                               ^ +^ Friends and Family? ^ Funding source                                     ^ Fee*            ^ 
-| Yes                 | PayPal balance, bank account, or Amex Send Account | No fee                                             | +| Yes                 | PayPal balance, bank account, or Amex Send Account | None*           | 
-| Yes                 | Cards                                              | Medium: 2.90% + fixed fee                          | +| Yes                 | Cards                                              | Medium*         | 
-| No                  | Most payment methods                               | Medium-Medium+: 2.99%-3.49%, sometimes + fixed fee |+| No                  | Most payment methods                               | Medium-Medium+* |
  
 === International (sender outside US): === === International (sender outside US): ===
  
-^ Friends and Family? ^ Funding source                                     ^ Fee*                                                           ^ +^ Friends and Family? ^ Funding source                                     ^ Fee*             ^ 
-| Yes                 | PayPal balance, bank account, or Amex Send Account | High: 5% (min 0.99 USD, max 4.99 USD)                          | +| Yes                 | PayPal balance, bank account, or Amex Send Account | High*            | 
-| Yes                 | Cards                                              | Very High: 5% (min 0.99 USD, max 4.99 USD) + 2.90% + fixed fee | +| Yes                 | Cards                                              | High-Very High*  | 
-| No                  | Most payment methods                               | High: 1.5% + 2.99%-3.49%, sometimes + fixed fee                |+| No                  | Most payment methods                               | High*            |
  
-* //An additional fee of 3-4% applies for currency conversion via PayPal.// +* :!: //An additional fee of 3-4% applies for currency conversion via PayPal, on top of the existing transaction fees. This makes most non-USD payments relatively expensive to process!//
- +
-PayPal's fixed fee varies by currency. Here are some examples (correct as of July 2023): +
- +
-^ Currency           ^ Friends and Family? ^ Fixed fee ^ +
-| Australian dollar  | Yes                 | 0.30 AUD  | +
-| Australian dollar  | No                  | 0.59 AUD  | +
-| Canadian dollar    | Yes                 | 0.30 CAD  | +
-| Canadian dollar    | No                  | 0.59 CAD  | +
-| Euro               | Yes                 | 0.35 EUR  | +
-| Euro               | No                  | 0.39 EUR  | +
-| UK pounds sterling | Yes                 | 0.20 GBP  | +
-| UK pounds sterling | No                  | 0.39 GBP  | +
-| US dollar          | Yes                 | 0.30 USD  | +
-| US dollar          | No                  | 0.49 USD  |+