XponsorvsBuy Me a Coffee

Support: Xponsor or Buy Me a Coffee?

Buy Me a Coffee is a global creator-support platform: your audience support you once, subscribes to a recurring membership or buys your digital and physical products, and your earnings are paid out to a bank account through Stripe. Xponsor Support is built on a different idea: a one-off support in a single tap, collected in FCFA by mobile money, from the same account that runs your cagnottes, your ticketing, your contests and your J'y serai badges. This page compares the two, with sources, for a creator based in Benin or francophone West Africa - and for the diaspora.

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The short version

Neither platform charges a monthly subscription. Buy Me a Coffee states it plainly: “We do not charge a monthly fee. All features including publishing and emails are free for everyone.” With Xponsor, opening an account and publishing your page is free, and you only pay a commission on money you actually receive.
The headline model Buy Me a Coffee publishes is a 5% transaction fee (“We charge a 5% transaction fee, and creators keep 95% of the earnings”), and its help centre adds Stripe fees on top: 2.9% + $0.30 per successful transaction, 0.5% for payout processing, +1% for an international (outside of the US) transaction and +0.5% for subscription payments. On Xponsor, the commission on support is 5% and the payment provider’s fees are already included in the amount shown to the payer.
Payouts on Buy Me a Coffee run through Stripe and are only possible in countries Stripe supports. Its published payout-country list names no African country: it covers Europe, North America, Brazil, Mexico, the UAE and Asia-Pacific. The platform also states that it offers bank deposits to creators from over 110 countries.
For supporters, the payment methods Buy Me a Coffee names are cards and card-based wallets: “We support all major credit and debit cards, Apple Pay, Google Pay, Cash App and other global payment methods.” No African mobile-money wallet is named. Xponsor collects payments through our payment provider by mobile money - MTN MoMo, Moov Money, Celtiis Cash, Mixx by Yas, Airtel Money, Free Money - in FCFA.

Xponsor and Buy Me a Coffee, point by point

Commission on what you receive

Xponsor: 5% on support received, charged only on money actually collected. The payment provider’s fees are included in the amount shown to the payer: no hidden cost, no fixed fee.
Buy Me a Coffee: Published model: “We charge a 5% transaction fee, and creators keep 95% of the earnings” (public pricing page, verified 20 July 2026). The help centre states that Stripe processing fees apply on top: 2.9% + $0.30 per successful transaction, 0.5% for payout processing, +1% for an international (outside of the US) transaction, +0.5% for subscription payments (page last updated 18 March 2026).

Subscription and fixed fees

Xponsor: No monthly subscription, no fixed fee. Opening an account and publishing your support page is free.
Buy Me a Coffee: No monthly fee either: “We do not charge a monthly fee. All features including publishing and emails are free for everyone.” (verified 20 July 2026).

How the people supporting you pay

Xponsor: Mobile money - MTN MoMo, Moov Money, Celtiis Cash, Mixx by Yas, Airtel Money, Free Money - through our payment provider, approved on the payer's phone without leaving the page.
Buy Me a Coffee: The payment methods named are “all major credit and debit cards, Apple Pay, Google Pay, Cash App and other global payment methods”. No African mobile-money wallet is named anywhere on that page, in either direction.

Currencies

Xponsor: FCFA (XOF).
Buy Me a Coffee: The help centre says a creator can “choose to receive support in six different currencies”, and that “Localized pricing lets your supporters pay in their local currency-we support 15+ currencies” (page last updated 3 June 2026). The page does not name which currencies those are.

How the money reaches you

Xponsor: Collection and payout through Xponsor’s payment provider, on the rails people actually use in West Africa (mobile money).
Buy Me a Coffee: Payouts are tied to Stripe: “we can only offer payouts in countries supported by Stripe”. The published payout-country list contains no African country (Europe, North America, Brazil, Mexico, the UAE, Asia-Pacific; verified 20 July 2026). The platform also states: “You get paid to your local bank account. We currently offer bank deposits to creators from over 110 countries.” Check your own country on its pages before deciding.

What the product fundamentally is

Xponsor: Deliberately narrow, and built around the one-off support: your fans support you in a single tap, with no monthly subscription. A page in your own image (rich text, emojis) with a simple public handle, plus a support button you add to your own site with one line of code.
Buy Me a Coffee: A full creator-support suite: the one-off support (“Let supporters thank you, support you, or show appreciation with a simple one-time payment”), but above all unlimited membership tiers with custom perks, a shop for digital and physical products, posts, and direct or broadcast messaging to supporters. Buy Me a Coffee also offers embeddable buttons and widgets for your own site, generated from its dashboard.

The rest of the account

Xponsor: One account, five products: Support, Cagnottes, Billetterie, Concours and J'y serai. J'y serai badges are free, and ticketing takes no commission.
Buy Me a Coffee: A platform dedicated to creator support: support, memberships, a shop, posts and messaging. No ticketing with door check-in, no contest voting, no event badges.

Point-by-point comparison of Xponsor Support and Buy Me a Coffee on fees, payment methods, payouts and what each product actually is.
Criterion	Xponsor	Buy Me a Coffee
Commission on what you receive	5% on support received, charged only on money actually collected. The payment provider’s fees are included in the amount shown to the payer: no hidden cost, no fixed fee.	Published model: “We charge a 5% transaction fee, and creators keep 95% of the earnings” (public pricing page, verified 20 July 2026). The help centre states that Stripe processing fees apply on top: 2.9% + $0.30 per successful transaction, 0.5% for payout processing, +1% for an international (outside of the US) transaction, +0.5% for subscription payments (page last updated 18 March 2026).
Subscription and fixed fees	No monthly subscription, no fixed fee. Opening an account and publishing your support page is free.	No monthly fee either: “We do not charge a monthly fee. All features including publishing and emails are free for everyone.” (verified 20 July 2026).
How the people supporting you pay	Mobile money - MTN MoMo, Moov Money, Celtiis Cash, Mixx by Yas, Airtel Money, Free Money - through our payment provider, approved on the payer's phone without leaving the page.	The payment methods named are “all major credit and debit cards, Apple Pay, Google Pay, Cash App and other global payment methods”. No African mobile-money wallet is named anywhere on that page, in either direction.
Currencies	FCFA (XOF).	The help centre says a creator can “choose to receive support in six different currencies”, and that “Localized pricing lets your supporters pay in their local currency-we support 15+ currencies” (page last updated 3 June 2026). The page does not name which currencies those are.
How the money reaches you	Collection and payout through Xponsor’s payment provider, on the rails people actually use in West Africa (mobile money).	Payouts are tied to Stripe: “we can only offer payouts in countries supported by Stripe”. The published payout-country list contains no African country (Europe, North America, Brazil, Mexico, the UAE, Asia-Pacific; verified 20 July 2026). The platform also states: “You get paid to your local bank account. We currently offer bank deposits to creators from over 110 countries.” Check your own country on its pages before deciding.
What the product fundamentally is	Deliberately narrow, and built around the one-off support: your fans support you in a single tap, with no monthly subscription. A page in your own image (rich text, emojis) with a simple public handle, plus a support button you add to your own site with one line of code.	A full creator-support suite: the one-off support (“Let supporters thank you, support you, or show appreciation with a simple one-time payment”), but above all unlimited membership tiers with custom perks, a shop for digital and physical products, posts, and direct or broadcast messaging to supporters. Buy Me a Coffee also offers embeddable buttons and widgets for your own site, generated from its dashboard.
The rest of the account	One account, five products: Support, Cagnottes, Billetterie, Concours and J'y serai. J'y serai badges are free, and ticketing takes no commission.	A platform dedicated to creator support: support, memberships, a shop, posts and messaging. No ticketing with door check-in, no contest voting, no event badges.

Information about Buy Me a Coffee taken from its own public pricing page, last checked on 20 July 2026. See Buy Me a Coffee pricing

Which platform to choose

Xponsor

When to choose Xponsor

Xponsor is the better fit the other way round: when you and the people supporting you are in Benin and francophone West Africa, and you are paid in FCFA by mobile money - MTN MoMo, Moov Money, Celtiis Cash, Mixx by Yas and more. Opening an account and publishing your page is free, with no monthly subscription and no fixed fee: you pay 5% only on support actually received, and the payment-provider fees are already included in the amount shown to the payer. Your support page is in your own image - rich text, emojis, a simple public handle - and a support button drops into your own site with one line of code. The same account also carries your cagnottes (one-off or recurring donations, free or suggested amounts, real-time tracking of the collection), your concours (free or paid voting, live ranking, built-in anti-fraud), your ticketing with instant QR tickets and door check-in, and your J'y serai badges - with ticketing commission-free and J'y serai free.

Buy Me a Coffee

When to choose Buy Me a Coffee

Buy Me a Coffee is the better choice when you are based in one of its supported payout countries - the US, the UK, Canada, the EU, Australia, Japan, Singapore and others on its published list - and when your audience pays by card or by Apple Pay, Google Pay and Cash App rather than by mobile money. It is also the stronger product as soon as your goal goes beyond one-off support: unlimited recurring membership tiers with perks, a shop for digital products (eBooks, courses, templates) and physical items, posts and polls, and direct or broadcast messaging to supporters. That is a whole recurring-revenue and audience-relationship suite, and Xponsor Support - deliberately built around one-off support and an embeddable support button - does not attempt to replace it. A diaspora creator in Paris, London or Montreal with a mainly Western audience and a membership-based model will be well served there.

Frequently asked questions

How much does Buy Me a Coffee take from what I receive?

Buy Me a Coffee publishes a 5% transaction fee: “We charge a 5% transaction fee, and creators keep 95% of the earnings” (public pricing page, verified 20 July 2026). Its help centre states that Stripe processing fees apply on top: 2.9% + $0.30 per successful transaction, 0.5% for payout processing, +1% for an international (outside of the US) transaction and +0.5% for subscription payments (page last updated 18 March 2026). Fees change, so always check https://buymeacoffee.com/faq before deciding.

Can I get paid in Benin or West Africa with Buy Me a Coffee?

Buy Me a Coffee states that creator payouts are facilitated through its payment provider Stripe and that it “can only offer payouts in countries supported by Stripe”. Its published payout-country list, last updated 18 March 2026, names no African country: it covers Europe, North America, Brazil, Mexico, the UAE and Asia-Pacific. The platform also states that it offers bank deposits to creators from over 110 countries. Check your own country on its pages before committing. Xponsor, for its part, collects and pays out through our payment provider in FCFA.

Can my supporters pay by mobile money, with MTN MoMo or Moov Money?

On Xponsor, yes: support is collected through our payment provider by mobile money - MTN MoMo, Moov Money, Celtiis Cash, Mixx by Yas, Airtel Money, Free Money - in FCFA, and the supporter approves the payment on their phone. On Buy Me a Coffee, the payment methods named are “all major credit and debit cards, Apple Pay, Google Pay, Cash App and other global payment methods”: no African mobile-money wallet is named there, in either direction.

What does Xponsor cost for receiving support?

Opening an account and publishing your support page on Xponsor is free: no monthly subscription, no fixed fee. You pay a commission of 5% only on support actually received, and the payment-provider fees are included in the amount shown to the payer. The same account gives you cagnottes, concours, ticketing and J'y serai badges: each product has its own rate, listed on the Pricing page, and J'y serai badges are free.

Start receiving support in FCFA today

Create your support page for free, add the support button to your site with one line of code, and let your fans thank you by mobile money - MTN MoMo, Moov Money, Celtiis Cash or Mixx by Yas. You pay 5% only on what you receive.

Create my page for free Explore the Xponsor product behind this