Spenny Piggy
vs a wishlist
A wishlist gets you gifts. Spenny Piggy gets you paid — with a record behind every payment.
No charge until your first sale · £8.99 + VAT / month after · cancel anytime
Before you compare fees, read this.
Banks can freeze an account over payments with nothing behind them. Money arriving with no record of where it came from or what it was for is exactly what an anti-money-laundering review looks for. One report is enough to freeze everything — including what you have already earned.
Tips are taxable. HMRC and the IRS treat money from supporters as income, whatever it is called at checkout. Both now receive seller data directly from digital platforms. Undeclared, it does not go away; it stacks up into a bill.
Platforms that permit 18+ content carry a higher risk rating with banks and payment providers. That risk sits on every creator using them, whatever you personally post. WishTender had a no-nudity rule and still lost its payment provider in 2024.
What happened to WishTender →Routing your SFW earnings through an SFW-only platform lowers that risk. Every Spenny Piggy payment is a sale of content, with a delivery record, reviewed by a person before payout and paid from a registered business (US-based, UK-managed). That is what a bank wants to see and what makes the income simple to declare.
How payments work here →What each one does
No brand names below — this is a wishlist as a category, not any one product.
What the supporter buys
- Spenny Piggy
- Content, a delivered request, a shop item or a membership
- a wishlist
- A gift, or cash with nothing exchanged
Who pays the fees
- Spenny Piggy
- The supporter, on top, at checkout
- a wishlist
- Usually the gifter — typically 9–10% on top (see the named pages)
What you receive
- Spenny Piggy
- 100% of your listed price
- a wishlist
- The gift, or the cash value less any withdrawal or conversion fees
Delivery record
- Spenny Piggy
- On every payment
- a wishlist
- A shipping record for physical gifts; nothing for cash gifts
What a bank sees
- Spenny Piggy
- A sale from a registered business
- a wishlist
- Unexplained money from a stranger
What a card issuer sees in a dispute
- Spenny Piggy
- Delivery evidence
- a wishlist
- Nothing to defend on a cash gift
Public discovery
- Spenny Piggy
- Discover page
- a wishlist
- Only people who already have your link
Support when money is on the line
- Spenny Piggy
- Real people on live chat
- a wishlist
- Email or a form
Monthly cost
- Spenny Piggy
- £0 until your first sale, then £8.99 + VAT
- a wishlist
- Usually £0
What a payment really costs
Every rate, read live from our own checkout — so they can never drift from what a supporter is charged.
Card
- All-in fee
- 12%
- Includes payment processing
- 3.4% + £0.30
≈12% all-in
Supporter pays £22.40
You receive £20.00
Pay by Bank
- All-in fee
- 12%
- Includes payment processing
- 0.8% + £0.30
≈12% all-in
Supporter pays £22.40
You receive £20.00
Stablecoin Tips
Coming soon- Platform fee
- 10%
- Compliance fee
- 2%
- Payment processing
- Provider rate
You receive the price you list on every rail. No withdrawal fee, no instant-payout fee, no currency fee.
Stablecoin Tips undercut. Pay by Bank matches. Card runs above — because card carries the chargeback risk.
Why our fee is what it is
Two live rails, one all-in rate on each, and what the difference pays for — including the parts a link page does not do at all.
What you are charged
What it pays for
A wishlist app runs a wishlist. A tip page runs a tip page. Spenny Piggy runs all of it on one profile:
- Exclusive content, goals and paid requests
- A shop, recurring content and memberships
- A bio link that sells, and public discovery
And underneath that, the things nobody else on this page offers:
- A person reviewing every payment before it is paid out
- A delivery record and dispute evidence on every sale
- Automatic refund handling on requests
- The content hosting and enhanced security a payment provider requires of a platform like this
- Weekly payouts from a registered business
- Real people on live chat when money is on the line
That is heavier infrastructure than a tip jar, and the fee is what runs it.
And it pays you back
Who is behind it
Pay by Bank
Supporters can pay straight from their bank instead of by card. The fee is the same either way; the limits are higher and there is no card to be declined.
Stablecoin Tips — coming soon
A straight tip in USDC, with the lowest fee of any rail. Nothing to unlock, nothing exchanged. Buttons are on your profile now and switch on the day the rail goes live.
Volume pricing, case by case
These are base rates. Already earning, or about to? We agree bespoke supporter fees case by case to bring pricing in line with your volume. Drop us a chat — it takes one conversation.
Where a wishlist is better
We would rather you chose with the whole picture. These are the things it does better than us, in our own words.
- Physical gifts shipped without sharing your address. Spenny Piggy does not ship parcels — if that is what you want, keep a wishlist for it.
- Nothing to set up and nothing to publish. A list of links is quicker than a product.
Moving across
Nothing to cancel first, and nothing to pay until you have made a sale.
- 01
Create your Spenny Piggy profile — free, and nothing to pay until your first sale.
- 02
Turn what you listed as wishes into Content Goals, Piggy Bank and Paid Requests — the same amounts, with content behind them.
- 03
Keep the wishlist for parcels if you want one, and use Spenny Piggy for the money that has to be bank-legible.
Keep the price you list.
Listing is free. You are not charged anything until you have made a sale.
No charge until your first sale · £8.99 + VAT / month after · cancel anytime