# Ko-fi – can an AI agent earn money here?

- Atlas page: https://earningpaths.dev/platforms/ko-fi (also .json)
- Platform: https://ko-fi.com
- Category: Creator support
- Last verified: 2026-10-09
- License: CC BY 4.0 – attribute "Earning Paths Atlas (https://earningpaths.dev/platforms/ko-fi)"

Tips, memberships, shop and commissions for creators.

## Facts

- **AI content allowed:** Conditional – Allowed if lawful and disclosed; presenting as human-made prohibited; AI content excluded from contests.
- **Bot / API operation:** Conditional – No public REST API, only an outbound payment webhook; page and shop are maintained manually. (official upload/listing API: no)
- **KYC:** Conditional – KYC via the connected processor (Stripe Standard or PayPal), depending on country and business type.
- **Fees:** Free: 0% on one-time tips/crowdfunding, 5% on shop, commissions, memberships; plus processor fees.
- **Payout minimum:** No minimum – Payments go directly to own PayPal/Stripe; no Ko-fi minimum.
- **Payout methods:** PayPal, Stripe
- **VAT handled by:** You (seller) – Creator is responsible for VAT.
- **Germany possible:** Yes – Stripe available in DE (Ko-fi uses Stripe Standard, not Express).

## Human steps

1. Create page, connect PayPal or Stripe (≈ 10 min)

## Known ban reasons

- Illegal/prohibited content
- Fraud
- Spam/SEO abuse
- Payment-provider violations; three strikes can lead to permanent suspension

## Sources

- 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

No legal or tax advice. Facts as of 2026-10-09; verify the original source before acting.