The wishlist
that pays you.
Supporters don’t send you a gift with nothing behind it. They buy the thing you made — at the price you set — and you keep all of it.
No charge until your first sale · £8.99 + VAT / month after · cancel anytime
No revenue cut. Supporters cover the platform fee at checkout.
Straight to your own bank account through Stripe.
Time-stamped delivery evidence on every payment.
When money is on the line, not a form and a three-day wait.
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 →A gift is not a sale
A gift wishlist
- A fan sends money or a gift. Nothing is exchanged.
- No record of what it was for.
- Your bank sees unexplained money from a stranger.
- A dispute has nothing to defend.
- Withdrawal fees, instant-payout fees and conversion on the way out.
- Tips and gifts are still taxable — and hard to evidence.
A Spenny Piggy wishlist
- A fan buys a wish. You deliver the content.
- A delivery record, time-stamped, on every wish.
- Your bank sees a sale from a registered business.
- A dispute is answered with evidence.
- You receive the price you listed. Weekly. No creator-side fees.
- Income that is simple to declare, because it looks like income.
Four ways to grant a wish
Content Goals
Set the target, attach the content, share the link. Everyone who buys gets the same thing and moves the bar.
Piggy Bank
They choose the amount. They get your exclusive content back. For the supporters who want to give more than you asked.
Paid Requests
A custom wish. Paid up front to your balance, refunds handled for you, paid out when you deliver.
Exclusive content
Every piece of content you list is a wish someone can grant.
Your wishes are findable
Wishes are searchable on Discover alongside creators and memberships, so a wish can be granted by somebody who was never sent the link.
See the live Discover page →What a £20.00 payment really costs
Every line, for both of us — and ours is one all-in percentage with the payment processing already inside it. Ours are read live from our 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
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 gift wishlist is still better
Physical gifts shipped without sharing your address. Spenny Piggy does not ship physical gifts. If that is what you want, keep a gift wishlist for it and use Spenny Piggy for the money you need to be bank-legible.
Spenny Piggy vs a wishlist →Create your wishlist.
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