Pay by Bank — The Cheaper Way to Pay 🏦🐷

There's a cheaper way to pay, and most people don't know it's there. 🏦

Pay by Bank takes the money straight from your bank account instead of routing it through the card networks. Fewer middlemen, lower cost, and you pay less.

On a £100 purchase, Pay by Bank saves the supporter around £9.40. ✨

Two reasons:

🏦 Processing costs less — a bank payment costs a flat 30p to move. A card costs 2.9% of the whole value. On bigger amounts that's a big gap.
💷 Our fee is lower too — 13% instead of 17%, because our own costs are lower

The creator receives exactly the same either way. The whole saving goes to the supporter. ✅

Note the typical markup is not our fee, its stripe fees too.

1. Choose Pay by Bank at checkout
​2. Pick your bank from the list
​3. Approve in your banking app — usually a fingerprint or Face ID
​4. Bounced back, payment done ✅

Takes about the same time as typing a card number, and you never enter card details at all.

🇬🇧 Pay by Bank — UK, Finland, France, Germany
🇪🇺 SEPA Direct Debit — Eurozone
🇺🇸 ACH — United States

Elsewhere, card is the way. 💳

⚠️ Recurring purchases are card-only. Memberships and Recurring Content need a payment method that can be charged automatically each cycle, so they bill by card regardless.

Card payments get declined for all sorts of reasons — international blocks, fraud rules, spending limits, a verification screen closed too early.

Bank payments skip all of that. You approve it in your own banking app, so there's nothing for a card fraud system to be suspicious about.

If a card payment keeps failing, try Pay by Bank first. It's usually the whole fix. 🏦

It costs you nothing and saves your supporters real money.

✅ Say it on your profile: "Pay by Bank saves you around 9%"
✅ Mention it in higher-priced listings, where the saving is biggest
✅ Suggest it to anyone whose card was declined — often solves it instantly

Same money to you, less money out of their pocket. Easiest goodwill you'll ever generate. 💖

"Is it safe?"
Yes. You approve it inside your own banking app, with your own security. We never see your bank login, and you don't hand over card details at all. 🔐

"Is it slower?"
No. Same speed at checkout, and the creator gets paid on the same Friday cycle either way.

"Can I get a refund on a bank payment?"
Yes, same as a card. It returns to the account you paid from.

"Why doesn't everyone use it?"
Mostly because they don't know it's there. Which is exactly why this article exists. 🐷

"My bank isn't listed."
Use a card. Bank coverage is expanding, so it's worth checking again in future.

"Does the creator get less?"
No. Identical either way. ✅

Same content, less money. Take the win. 🏦🐷