Creator vs Seller vs Processor: Which Mode to Use

feexivo offers three calculator modes because different types of online businesses have fundamentally different fee structures. Here's how to choose the right one.

Creator Mode

Best for: Content creators, educators, artists, and anyone monetizing an audience.

Platforms included:

• Patreon - Membership/subscription platform
• YouTube - Ad revenue sharing
• TikTok - Creator fund and live gifts
• Twitch - Subscriptions and bits
• Substack - Paid newsletters
• Ko-fi - Tips and memberships
• Gumroad - Digital product sales

Fee characteristics:

• Platform fees vary widely (0% to 50%)
• Revenue sharing models common (YouTube, TikTok, Twitch)
• Processing fees often bundled or handled by platform
• Focus on recurring revenue (subscriptions, memberships)

Seller Mode

Best for: E-commerce sellers, handmade creators, and anyone selling physical or digital products on marketplaces.

Platforms included:

• Amazon - World's largest marketplace
• eBay - Auction and fixed-price sales
• Etsy - Handmade and vintage goods
• Allegro - Poland's largest marketplace

Fee characteristics:

• Category-based fees (some products cost more to sell)
• Additional listing fees and promotional costs
• Fulfillment fees if using platform logistics (FBA, etc.)
• Higher overall fee percentages (10-20% typical)

Processor Mode

Best for: Businesses with their own website who need to compare payment processors directly.

Platforms included:

• Stripe - Developer-friendly payments
• PayPal - Universal payment acceptance

Fee characteristics:

• No platform fee (you're the platform)
• Per-transaction pricing (percentage + fixed)
• Volume discounts available for high-volume merchants
• Additional fees for chargebacks, international cards

Quick Decision Guide