{
  "atlas": "Earning Paths Atlas",
  "id": "ko-fi",
  "name": "Ko-fi",
  "last_verified": "2026-10-09",
  "atlas_url": "https://earningpaths.dev/platforms/ko-fi",
  "markdown_url": "https://earningpaths.dev/platforms/ko-fi.md",
  "playbook_url": null,
  "license": {
    "id": "CC-BY-4.0",
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/"
  },
  "disclaimer": {
    "de": "Keine Rechts- oder Steuerberatung. Fakten aus den verlinkten Quellen, Stand siehe geprueft_am; vor Entscheidungen Originalquelle prüfen.",
    "en": "No legal or tax advice. Facts from linked sources as of geprueft_am; verify the original source before acting."
  },
  "summary": {
    "id": "ko-fi",
    "name": "Ko-fi",
    "url": "https://ko-fi.com",
    "category": "creator_support",
    "category_label": "Creator support",
    "summary": "Tips, memberships, shop and commissions for creators.",
    "ai_content": {
      "value": "bedingt",
      "rule": "Allowed if lawful and disclosed; presenting as human-made prohibited; AI content excluded from contests.",
      "label": "Conditional"
    },
    "bot_operation": {
      "value": "bedingt",
      "api_upload": false,
      "rule": "No public REST API, only an outbound payment webhook; page and shop are maintained manually.",
      "label": "Conditional"
    },
    "human_steps": {
      "count": 1,
      "minutes": 10,
      "estimated": true,
      "steps": [
        "Create page, connect PayPal or Stripe"
      ]
    },
    "kyc": {
      "value": "conditional",
      "details": "KYC via the connected processor (Stripe Standard or PayPal), depending on country and business type.",
      "label": "Conditional"
    },
    "fees": "Free: 0% on one-time tips/crowdfunding, 5% on shop, commissions, memberships; plus processor fees.",
    "payout_minimum": {
      "amount": 0,
      "currency": null,
      "label": "No minimum"
    },
    "payout_methods": [
      "PayPal",
      "Stripe"
    ],
    "vat": {
      "value": "seller",
      "details": "Creator is responsible for VAT.",
      "label": "You (seller)"
    },
    "top_ban_reason": "Illegal/prohibited content",
    "last_checked": "2026-10-09",
    "source": "https://help.ko-fi.com/hc/en-us/articles/360002506494-Does-Ko-fi-take-a-fee",
    "sources_total": 7,
    "has_playbook": false,
    "has_documented_risks": false
  },
  "raw": {
    "ki_inhalte_erlaubt": {
      "wert": "bedingt",
      "regel": {
        "de": "Erlaubt, wenn legal und offengelegt; als menschlich ausgeben verboten; KI-Inhalte von Wettbewerben ausgeschlossen.",
        "en": "Allowed if lawful and disclosed; presenting as human-made prohibited; AI content excluded from contests."
      }
    },
    "bot_bedienung": {
      "wert": "bedingt",
      "api_upload": false,
      "regel": {
        "de": "Keine öffentliche REST-API, nur ein ausgehender Zahlungs-Webhook; Seite und Shop werden manuell gepflegt.",
        "en": "No public REST API, only an outbound payment webhook; page and shop are maintained manually."
      }
    },
    "menschliche_schritte": [
      {
        "schritt": {
          "de": "Seite anlegen, PayPal oder Stripe verbinden",
          "en": "Create page, connect PayPal or Stripe"
        },
        "minuten": 10,
        "minuten_geschaetzt": true
      }
    ],
    "kyc": {
      "erforderlich": "bedingt",
      "details": {
        "de": "KYC über den verbundenen Zahlungsanbieter (Stripe Standard oder PayPal), je nach Land und Geschäftsform.",
        "en": "KYC via the connected processor (Stripe Standard or PayPal), depending on country and business type."
      }
    },
    "gebuehren": {
      "de": "Free: 0 % auf einmalige Trinkgelder/Crowdfunding, 5 % auf Shop, Aufträge, Mitgliedschaften; zzgl. Zahlungsanbieter.",
      "en": "Free: 0% on one-time tips/crowdfunding, 5% on shop, commissions, memberships; plus processor fees."
    },
    "mindestauszahlung": {
      "betrag": 0,
      "waehrung": null,
      "hinweis": {
        "de": "Zahlungen gehen direkt auf eigenes PayPal/Stripe, kein Mindestbetrag bei Ko-fi.",
        "en": "Payments go directly to own PayPal/Stripe; no Ko-fi minimum."
      }
    },
    "auszahlungswege": [
      "PayPal",
      "Stripe"
    ],
    "wer_macht_ust": {
      "merchant_of_record": false,
      "details": {
        "de": "Creator ist selbst verantwortlich für USt.",
        "en": "Creator is responsible for VAT."
      }
    },
    "laender_einschraenkungen": {
      "de_moeglich": true,
      "details": {
        "de": "Stripe in DE verfügbar (Ko-fi nutzt Stripe Standard, nicht Express).",
        "en": "Stripe available in DE (Ko-fi uses Stripe Standard, not Express)."
      }
    },
    "bekannte_sperrgruende": [
      {
        "de": "Illegale/verbotene Inhalte",
        "en": "Illegal/prohibited content"
      },
      {
        "de": "Betrug",
        "en": "Fraud"
      },
      {
        "de": "Spam/SEO-Missbrauch",
        "en": "Spam/SEO abuse"
      },
      {
        "de": "Verstöße gegen Regeln der Zahlungsanbieter; drei Verwarnungen können zur dauerhaften Sperre führen",
        "en": "Payment-provider violations; three strikes can lead to permanent suspension"
      }
    ],
    "quellen": [
      "https://help.ko-fi.com/hc/en-us/articles/360002506494-Does-Ko-fi-take-a-fee",
      "https://help.ko-fi.com/hc/en-us/articles/115003980093-How-do-I-get-paid",
      "https://help.ko-fi.com/hc/en-us/articles/10792069957661-How-tax-works-on-Ko-fi",
      "https://help.ko-fi.com/hc/en-us/articles/19789627403293-Ko-fi-s-stance-on-AI",
      "https://help.ko-fi.com/hc/en-us/articles/360009265834-Can-I-use-Stripe-in-my-country",
      "https://help.ko-fi.com/hc/en-us/articles/360004162298-Does-Ko-fi-have-an-API-or-webhook",
      "https://help.ko-fi.com/hc/en-us/articles/360007937553-Ko-fi-Content-Guidelines"
    ],
    "geprueft_am": "2026-10-09",
    "hinweise": null,
    "id": "ko-fi",
    "name": "Ko-fi",
    "kategorie": "creator_support",
    "url": "https://ko-fi.com",
    "kurzbeschreibung": {
      "de": "Trinkgelder, Mitgliedschaften, Shop und Aufträge für Creator.",
      "en": "Tips, memberships, shop and commissions for creators."
    },
    "nicht_zutreffend": [],
    "notes": {}
  }
}