Spenny Piggy
vs WishTender
WishTender was a wishlist. Its payments had nothing behind them, and when its payment provider changed policy it could not survive. Spenny Piggy puts a deliverable behind every payment so that never happens to you.
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 happened
Every line below carries a link to where it was reported. Nothing here is our account of it.
- 6 February 2024
WishTender announced that “due to an unexpected policy change, Stripe has decided to part ways with WishTender”, and that it had a new financial partner.
WishTender on X, 6 Feb 2024 (quoted in 404 Media) → - 7 February 2024
WishTender told creators it was not closing, was switching payment solutions, and that wishlists not moved to the new system would be temporarily deactivated — 9 February for non-US owners, 15 February for US owners — with Stripe balances to be zeroed by 19 February.
WishTender on X, 7 Feb 2024 → - July 2024
WishTender announced it was shutting down “after several rocky months of trying to get WishTender fully back up and running”, describing “an immense struggle with ups, and mostly downs, since we were kicked off of Stripe.”
WishTender on X, 24 Jul 2024 →
WishTender did not allow nudity on its wishlists. What it processed was gifts — money with nothing exchanged and nothing to evidence — and when the policy changed, that was the model that could not be defended.
What it meant for creators
What a platform closing costs the people selling on it — the part that is never on a pricing page.
- Wishlists deactivated on a deadline set by the payment provider, not by the creator.
- Balances to be withdrawn by a fixed date or lost.
- Months of partial service, then no service. Income from gifts stopped, with no record behind the payments to show a bank what the money had been.
What we do differently
Row by row, how the same job is done here — and what is in place so the same thing does not happen to your income.
What the money was for
- WishTender (as it operated)
- A gift, with nothing exchanged
- Spenny Piggy
- A sale of content, a request, a shop item or a membership
Record behind each payment
- WishTender (as it operated)
- None for cash wishes
- Spenny Piggy
- Delivery record, time-stamped logs, dispute evidence on every sale
What is behind the payment
- WishTender (as it operated)
- Nothing — a wish granted, no deliverable from the creator
- Spenny Piggy
- Content delivered, logged and time-stamped; a request delivered; a shop item shipped; a membership active
Content policy
- WishTender (as it operated)
- No nudity on the wishlist itself
- Spenny Piggy
- Strictly SFW across the whole platform, so every payment is one a bank can look at
Payment review
- WishTender (as it operated)
- Not published
- Spenny Piggy
- Every payment reviewed by a person before it is paid out
Payment provider status
- WishTender (as it operated)
- Lost its provider in February 2024
- Spenny Piggy
- Approved by our provider under enhanced compliance requirements; the 2% compliance fee funds those checks
Payment rails
- WishTender (as it operated)
- One processor, then a replacement that did not hold
- Spenny Piggy
- Card and Pay by Bank today; Stablecoin Tips coming soon
Where the fees sit
- WishTender (as it operated)
- 10% charged to the gifter
- Spenny Piggy
- Percentages and a £1 flat fee shown in full on every page
Status
- WishTender (as it operated)
- Closed, July 2024
- Spenny Piggy
- Live, weekly payouts from a registered business (US-based, UK-managed)
Where WishTender was better
We would rather you chose with the whole picture. These are the things it did better than us, in our own words.
- Two-way anonymity by default — neither side saw the other’s details.
- Any item from anywhere, including off-line “wishes”.
- A support reputation creators still talk about.
If you were on WishTender
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 used to list as wishes into Content Goals, Piggy Bank and Paid Requests — the same amounts, with content behind them and a record if anything is ever questioned.
- 03
Keep your SFW work here. Whatever else you create stays wherever it lives now — that separation is exactly what keeps this income clean and bank-legible.
Keep the price you list.
No charge until your first sale · £8.99 + VAT / month after · cancel anytime