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The donation should reach the creator.

YouTube and Twitch take a store cut in their apps. Buy Me a Coffee takes 5% on the website, then the card fee. OnCheer keeps 1%, on a phone or a computer.

On a $100 donation

$99 stays

OnCheer keeps $1. Phone or computer, that is the whole fee.

You save up to

$61

Compared with Twitch subscription in the phone app. The creator keeps $38 there.

What a creator keeps from a $100 gift
$100 giftOnCheerYouTube Super ChatTwitch subscriptionTwitch BitsBuy Me a Coffee
Creator keeps$99$49$38$48$92
Versus OnCheer$0−$50−$61−$51−$7
  • YouTube Super Chat. iPhone app. Apple takes 30% first. YouTube then pays 70% of what is left.
  • Twitch subscription. Phone app. The sub costs about 30% more. The creator is still paid half of the website price.
  • Twitch Bits. iPhone app. 95 Bits cost $1.99. The creator receives $0.95.
  • Buy Me a Coffee. Website. Buy Me a Coffee takes 5%. A US card then takes 2.9% + $0.30. The creator keeps $91.80 before the payout fee. The table rounds that to $92.

Figures use the published 2026 phone-app prices of what the supporter pays. A Twitch partner on a 70% deal is still about −$45 in the phone app, because the app price is higher and the payout stays tied to the website price. A wallet also pays a network fee. That is not OnCheer, and on $100 it is cents.