Best Link-in-Bio Tools That Accept Payments

The best payment-enabled link-in-bio tool depends on what followers buy: Brillay for paid interactions, Stan Store or Beacons for digital products and courses, Ko-fi for tips, and Linktree for payments inside a general bio page. Across these five tools, platform transaction fees run from 0% to 12% and monthly costs from $0 to $99. The request and the payment happen on the page itself, with the follower checking out as a guest — nobody drops out in the hop between the link and the checkout.

This comparison covers tools where a supporter can initiate a payment from the bio link itself. For a wider look at memberships, marketplaces, and platform-native programs, see the best creator monetization platforms. If page design, link organization, and analytics matter more than payments, compare the best link-in-bio tools for creators.

What can supporters pay for through each bio-link tool?

Link-in-bio payment tools cover three main needs: selling products and courses with Stan Store or Beacons, accepting tips and support with Ko-fi or Linktree, and letting followers buy questions, custom videos, or defined services through Brillay.

• Products and courses: Supporters buy digital downloads, courses, or bookable services. Stan Store and Beacons focus primarily on this model.
• Tips and support: Supporters send money without expecting a specific deliverable. Ko-fi centers on tips, while Linktree also offers tipping.
• Paid interactions: Supporters pay the creator to answer a question, record a personalized video, or complete a defined service. Brillay is designed around this category.

Some tools overlap, but your total cost depends on the platform, plan, payment type, and separate processing fees. Ko-fi's help center states that Ko-fi Free charges 0% on one-time tips but a flat 5% service fee on shop items, memberships, monthly tips, and commissions (Does Ko-fi take a fee?). Linktree's fee documentation states that Linktree charges 12% on digital-product and course sales made through its Free plan but takes no flat rate on Shops affiliate links, where a percentage of the commission earned applies instead (Linktree transaction and processing fees). The best choice therefore depends on the offer you want supporters to buy, not the number of available features.

For a closer comparison of repeatable products and creator-delivered requests, read our comparison of link-in-bio stores and paid requests.

How much does each payment-enabled link-in-bio tool cost?

Before choosing, compare each tool's current monthly price, transaction fee, and payment-processing fee on the linked official pricing pages; plans and rates can change. Payment processing is charged separately by Stripe or PayPal. Followers pay upfront as guests when they send the request, so the request arrives already paid for, and your bank details stay with Stripe rather than with the buyer.

Brillay's own pricing page states that the platform fee is 8% when a follower pays for work and 5% on tips and goals.

Check Stan Store’s official pricing and help pages for current plan prices, transaction fees, and processing fees before choosing a plan.

Check Beacons’ official pricing and help pages for current plan prices and transaction fees before choosing a plan.

Ko-fi's help center states that Ko-fi Free pays 0% on one-time tips and a flat 5% service fee on everything else, including shop items, memberships, and monthly tips (Does Ko-fi take a fee?). Ko-fi's own Gold page prices Ko-fi Gold at $12 per month for a 0% platform fee on all payment options (Ko-fi Gold).

Linktree's fee documentation lists a 12% Linktree transaction fee on digital products and courses for the Free plan, 9% for Starter and Pro, and 0% for Premium, with Stripe processing of 2.9% plus $0.30 per purchase on every plan.

Payment-processing charges are separate from these platform fees. Stripe's published rate for domestic US card transactions is 2.9% plus 30 cents per successful transaction (Stripe pricing). Beacons' help center lists PayPal processing at 3.49% plus a fixed fee based on the currency of the transaction. Platform fees and plan tiers can change, so confirm current rates before choosing a tool — and note that "free" plans on several of these tools still carry the catches described in this breakdown of free link-in-bio payment tools.

How does Brillay work for paid requests from your followers?

Brillay puts commissions and paid custom work through Custom Work, tips and one-time support through Tips, and project funding through Goals on one creator link. Paid Questions let a follower pay upfront to ask one private question, and you send one written reply on your own time — no live call or scheduling. Instead of answering every DM for free, you can let followers pay a fixed price for a clearly scoped request that you deliver by the time you set. Followers pay upfront for Paid Questions, Personalized Videos, and Custom Work, and you can decline a request. On a Brillay page, followers can pay for questions, videos, or services, while followers can send Tips or contribute to Goals:

• Ask one private question and receive one written reply through Paid Questions.
• Request a custom video through Personalized Videos.
• Buy a defined Custom Work deliverable with one clear scope, one set price, and one delivery, so extra work requires a new order.
• Send a one-time Tip, with nothing to deliver in return.
• Contribute toward a Goal.

You set a fixed price and delivery time for each request—for example, a $25 portfolio review through Custom Work—so followers know the scope before they pay. If a follower isn't satisfied after delivery, you can issue a refund. If chargebacks or scam attempts are your concern, the concrete verified mechanism described here is card checkout through Stripe plus creator-controlled acceptance and delivery, not a promise that disputes cannot happen. Followers pay upfront as guests, no follower account needed. Brillay's platform fee is 8% when a follower pays for work and 5% on tips and goals, and Stripe's card processing is charged separately. Brillay's how Brillay works page also says Stripe pays your earnings out to your bank account.

Eligible creators can receive payouts in 41 countries. Against Stan Store's $29-per-month Creator plan, Brillay's 8% fee on paid work costs less until a creator clears roughly $362.50 in monthly sales ($29 ÷ 0.08). For a direct product-store comparison, see Brillay vs. Stan Store.

How does Stan Store work for products, courses, and coaching?

Stan Store is a subscription storefront for creators selling digital products, courses, or bookable coaching through one page. Stan Store's help center lists a Stan transaction fee of 0%, a subscription of $29 per month for Creator or $99 per month for Creator Pro, and a standard purchase fee of 2.9% plus $0.30 per transaction.

Stan Store's help center lists annual billing at $300 per year for the Creator plan and $948 per year for Creator Pro, a discount versus paying monthly (Stan Store: Creator vs. Creator Pro). At $300 per year, the Creator plan works out to $25 per month.

This pricing model may suit creators with predictable product sales because the monthly charge is due whether or not they sell. At the cited $29 monthly price, the simple break-even against an 8% platform fee on paid work is about $362.50 in monthly sales, before payment-processing fees; tips and goals carry a 5% platform fee instead. Verify current Stan Store plan availability and pricing on its official site before choosing a plan.

How does Beacons combine a bio page with a digital store?

Beacons combines a link-in-bio page, a digital-product store, and a media kit for brand outreach in one account. Beacons' help center states that its 9% transaction fee applies to creators on the free plan and the $10-per-month Creator plan, while Creator Plus at $30 per month and Creator Max at $90 per month pay a 0% transaction fee.

Beacons' own pricing page lists annual billing at $8.33 per month ($100 per year) for Creator, $25 per month ($300 per year) for Creator Plus, and $75 per month ($900 per year) for Creator Max — two months free versus monthly billing (Beacons pricing).

The Free plan can suit creators testing demand, while the $30- or $90-per-month plans trade a recurring subscription for a 0% Beacons transaction fee. At a 9% fee, $30 in Beacons transaction fees is reached at $333 of monthly store sales ($30 ÷ 0.09), the rough point where the $30-per-month Creator Plus plan and its 0% fee starts costing less than staying on the 9% tier.

How does Ko-fi price tips, shops, memberships, and commissions?

Ko-fi is the tip-first option in this comparison. Ko-fi's help center states that Ko-fi Free pays 0% on one-time tips and a flat 5% service fee on anything else, such as shop items, memberships, monthly tips, and commissions (Does Ko-fi take a fee?).

Ko-fi's own Gold page prices Ko-fi Gold at $12 per month and states that it unlocks a 0% platform fee on all payment options instead of the 5% service fee. Stripe or PayPal processing is charged separately on both plans.

At a 5% service fee, Ko-fi Gold's $12 monthly cost is matched at $240 of monthly shop, membership, or commission revenue ($12 ÷ 0.05) — above that, Gold's 0% fee costs less than staying on Ko-fi Free.

Ko-fi is therefore strongest for creators whose primary offer is one-time tipping, the only payment type Ko-fi Free takes 0% on. Creators expecting more shop, membership, or commission revenue should weigh the 5% fee against the $12 monthly cost of Gold.

How does Linktree add payments to a general bio page?

Linktree adds payments to a general-purpose bio page rather than replacing it. Linktree's fee documentation lists a 12% Linktree transaction fee on digital products and courses for the Free plan, 9% for Starter and Pro, and 0% for Premium, plus Stripe processing of 2.9% plus $0.30 per purchase on every plan.

Linktree's fee documentation states that partner earnings from Shops and affiliate links are charged a percentage of the commission earned rather than a flat transaction fee, with Stripe processing of $0.25 per payout, and that Premium takes no Linktree commission.

Check Linktree’s official fee documentation for current Shops affiliate rates and payout charges before choosing a plan.

Linktree can be convenient for creators who already use it as their primary bio page and want to add payments without migrating. For a broader comparison focused on bio-page features, see the best link-in-bio tools for creators.

Which tool best matches what you want to sell?

Match the tool to what followers will buy or how supporters want to contribute, then compare the cost at your expected sales volume: Brillay has no monthly fee and charges 8% when a follower pays for work and 5% on tips and goals.

• Choose Brillay if supporters want direct access to you through Paid Questions, Personalized Videos, Custom Work, Tips, or Goals.
• Choose Stan Store if you have digital products, courses, or coaching offers and prefer a fixed monthly subscription with a 0% platform transaction fee.
• Choose Beacons if you want to begin with a free digital store and accept a 9% fee until upgrading becomes worthwhile.
• Choose Ko-fi if one-time tips are your main offer, with the option to add shop items, memberships, or commissions later at a 5% service fee.
• Choose Linktree if you already use it as your primary bio page and want to add payment features without switching platforms.

Creators can use more than one tool, but a single primary page usually gives supporters a clearer path to the main offer. After selecting a platform, use how to monetize your link in bio to plan pricing, placement, and promotion.

Frequently asked questions: what should creators know?

Creators usually ask what the tool costs, whether it fits tips or defined services, whether a small audience can start, and whether several tools can run at once. Brillay has no follower minimum and no application. For the other tools, check their eligibility rules.

Is any of these tools completely free with no fees?

No tool in this comparison eliminates every possible cost across every payment type. Brillay's pricing page states that Brillay has no monthly subscription but charges 8% when a follower pays for work and 5% on tips and goals. Ko-fi's help center states that Ko-fi Free pays 0% on one-time tips but a flat 5% service fee on shop items, memberships, monthly tips, and commissions (Does Ko-fi take a fee?). Stripe's domestic US card rate of 2.9% plus 30 cents per successful transaction applies on top.

Should I choose a store or a paid-interaction tool?

Choose a store such as Stan Store or Beacons when you have a repeatable product, course, or booking offer. Choose Brillay when followers want to pay for your answer, a personalized video, or a defined service, or when supporters want to leave a Tip or fund a Goal.

Our comparison of link-in-bio stores and paid requests explores this decision further.

Do I need a large following before using a payment bio link?

A large following is not a prerequisite, but each provider sets its own account and payment eligibility rules. Linktree's Shops page states that its affiliate program has "no follower count minimums, no waitlists." Brillay's how-it-works page states that claiming a link is free with no monthly fee and no upfront cost. Brillay has no follower minimum, application, or platform gate, so you can start with a small audience and one clear offer at a fixed price, such as a $25 portfolio review through Custom Work or an optional $3 Tip, and give supporters a specific reason to pay.

Can I use more than one payment tool at the same time?

Yes. For example, a creator could use Stan Store for products at a 0% Stan transaction fee and Ko-fi for one-time tips at a 0% Ko-fi service fee (Stan help center, Ko-fi help center). However, splitting visitors across several pages and checkout flows can make the buying path less clear and complicate conversion tracking. Start with the tool that best matches your main offer, then add another only for a distinct use case.

Want to try the tool built for paid interaction?

If your offer is paid interaction rather than a downloadable product, set up a free Brillay link to see Paid Questions, Personalized Videos, Custom Work, Tips, and Goals in one place — it costs nothing until a supporter pays, with no monthly fee or upfront cost to claim your link.