[HN Gopher] How to compete with Patreon
       ___________________________________________________________________
        
       How to compete with Patreon
        
       Author : rwmj
       Score  : 229 points
       Date   : 2023-10-08 05:34 UTC (17 hours ago)
        
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 (TXT) w3m dump (siderea.dreamwidth.org)
        
       | thriftwy wrote:
       | [flagged]
        
       | dyeje wrote:
       | Discord could eat Patreon's lunch overnight if they wanted to.
       | Every Patreon I've been interested in was just a paywall for a
       | Discord community.
        
         | kro wrote:
         | Discord has already started integrating their own payment for
         | content/channels recently.
         | 
         | https://discord.com/serversubscriptions
        
           | squigz wrote:
           | And they desperately need to roll it out to more countries...
           | _sad Canadian noises_
        
         | diggan wrote:
         | Funny, none of the Patreons I'm subscribing to or been
         | interested in, has been paywalls for Discord communities.
        
           | corbezzoli wrote:
           | Same, I only hear about Patreon on YouTube.
        
             | concordDance wrote:
             | Fiction authors are who I give my patron money to.
        
           | fortran77 wrote:
           | All the Patreons I subscribe to are YouTubers (Big Clive,
           | Technology Connections, etc.)
        
           | stinkytaco wrote:
           | Half of them provide discord access and 75% a custom rss feed
           | for a subscriber only podcast in my list. And frankly, I only
           | take advantage of a couple of those. Mostly I just do it to
           | throw a few dollars to stuff I like and don't use the perks.
           | I can't be the only one.
        
             | scantron4 wrote:
             | This for me. I don't use patreon perks for the people I
             | support on an ongoing basis. I have subscribed for perks
             | (templates for some productivity tool) and then
             | unsubscribed a couple of months later, but that wasn't an
             | ongoing creator I watch all the time. I guess getting my
             | SMBC comics by email is convenient but I already have an
             | RSS feed reader and early access isn't important.
        
       | hknmtt wrote:
       | I am actually developing a platform to compete with pateon. And
       | the author is quite naive in his complaints.
       | 
       | You cannot do business and be anonymous. The tax man would eat
       | you alive. At least outside of USA. You also need a license as
       | sole proprietor or be incorporated as a company in order to make
       | repetitive sales and not one-offs. So again, no anonymity
       | whatsoever.
       | 
       | "by works" payment model is illegal. You can receive donations or
       | have subscriptions or pay per view but you cannot "maybe
       | deliver", "deliver maybe one work, maybe ten". Again, illegal as
       | fuck.
       | 
       | "Non quid pro quo patronage" - again, donations solve this. They
       | are legal and easy without any hustle, as long as the payee is
       | aware what is the purpose of that payment.
       | 
       | "api / audience relation system" - well, i am trying to run a
       | business, why in the world would i give api access to third
       | parties without being able to monetize it? each api call costs me
       | resources. nothing is free. not to mention that giving access to
       | api might go against my financial business altogether by moving
       | some financial transactions out of my business into foreign
       | business that is monetizing my api.
       | 
       | Author is very naive in his complaints in general. The red tape
       | you have to go through these days for a simple(it's not a rocket
       | science) website is astronomical. The technological issues(like
       | finding a bank with an actual api that works and does not charge
       | you per payment is close to impossible) too are unending hurdles
       | being thrown at you form left and right and the bigtech-
       | monopolized internet does not want you in it competing with their
       | services or NOT using their services and infrastructure to build
       | yours. You think streaming video is free? Try finding a place to
       | host the video and send it over the network for amount that your
       | income can cover and allow you still to make a profit. Good luck.
       | 
       | Yes, i have solved all these issues. But it is so damn hard, that
       | these complaints don't even scratch the surface of how impossible
       | it is to start something serious in this monopolized era of the
       | internet and red tape. You just have no idea. You don't.
        
         | egypturnash wrote:
         | "by works is illegal"
         | 
         | I've been using Patreon this way since it launched in 2013, and
         | I am pretty sure they have grown to the point where it is
         | impossible for the only reason they get away with it is that
         | they are too small for anyone to say "hey this is illegal, you
         | have x months to stop doing this before we come down on you".
         | 
         | "why would I give API access without being able to monetize it"
         | 
         | It is worth noting that Patreon was created by a musician with
         | the intent of being a service _for_ artists /musicians/etc, and
         | still occasionally acts like this instead of a purely profit-
         | driven corporate entity whose primary duty is making its
         | shareholders rich. The CEO is still that musician, though I
         | think his musical output has fallen off a lot as "running a
         | system of money pipes" took over his life. Patreon makes a lot
         | of choices that look weird from a purely monetary viewpoint
         | because of this.
        
           | krisoft wrote:
           | > I think his musical output has fallen off a lot as "running
           | a system of money pipes" took over his life
           | 
           | Does not appear to be the case? Jack is pumping out music at
           | an insane rate.
           | 
           | If you mean quality wise, that is a lot harder to judge
           | objectively. Subjectively I like his new stuff, and his new
           | band the Scary Pockets is doing well popularity wise.
        
         | BlueTemplar wrote:
         | You are confusing anonymity and pseudonymity. The author never
         | mentioned anonymity, it wouldn't make any sense for a creator
         | trying to develop a fanbase. (Which _could_ be anonymous.)
         | 
         | Hosting video, even yourself, has been a solved problem for
         | years now :
         | 
         | https://framablog.org/2022/12/13/peertube-v5-the-result-of-5...
        
         | raincole wrote:
         | If someone thinks they can have a competitive edge against
         | existing market leader by 1) have an API 2) make UI faster,
         | they probably lived in an echo chamber for too long and really
         | need to spend more time with non-developer people.
         | 
         | Perhaps their other points are valid. Admittedly I don't know
         | enough to tell.
        
         | jaggederest wrote:
         | > "by works" payment model is illegal. You can receive
         | donations or have subscriptions or pay per view but you cannot
         | "maybe deliver", "deliver maybe one work, maybe ten". Again,
         | illegal as fuck.
         | 
         | How can Patreon allow it then? It's a real, existing thing. If
         | you don't deliver, you don't get paid.
        
           | hknmtt wrote:
           | in that case, maybe i did not properly understood how the
           | author describes that model.
        
             | Fargren wrote:
             | I don't know how to write this without sounding snarky,
             | which is not my intention but: maybe if you are intending
             | to build a Patreon competitor, you should look into how
             | this model works.
             | 
             | It's probably not a big source of their profit, and
             | certainly a competitor can live without it. But as both a
             | consumer and creator it's the only model I'm interested in.
             | It really aligns everyone's incentives.
        
               | hknmtt wrote:
               | I am not trying to copy Patreon. I am merely implementing
               | the general idea of selling your digital content online.
               | That's all. If people like Patreon and their monetization
               | channels, I am not here to try and steal them away. Not
               | my intention whatsoever. I am doing a lot of things very
               | differently to Patreon.
        
               | jasonlotito wrote:
               | > I am actually developing a platform to compete with
               | pateon. And the author is quite naive in his complaints.
               | 
               | > I am not trying to copy Patreon. I am merely
               | implementing the general idea of selling your digital
               | content online. That's all.
               | 
               | You should stop posting, honestly. Either you tried to
               | gather interest for your project by posting in a Patreon
               | thread, or you've realized how little you actually know
               | and you are backtracking.
               | 
               | Best to cut your losses, revisit what you are working on,
               | make sure you have a clear path and you've verified it's
               | what customers want, and build something you can show
               | before talking about it.
        
               | lolinder wrote:
               | > I am actually developing a platform to compete with
               | pateon.
               | 
               | This was you in the original post. If you consider
               | Patreon a competitor, then you need to understand their
               | business model _far_ better than you apparently do. You
               | don 't need to copy them, but you do need to understand
               | them. You cannot compete with an established company that
               | you have given zero effort to understand.
        
               | hknmtt wrote:
               | No, you don't. That would be simply copying them and
               | going head to head against them. I am doing neither. Just
               | because I am taking the general idea of selling digital
               | content does not mean I have to know what exactly patreon
               | does or or how it does it or that I have to do the same
               | thing. It is like complaining that Yahoo mail isn't
               | exactly the same as gmail. Or Office365 is not the same
               | as google docs. The general idea is the same, but the
               | implementation is nothing alike. If you cannot grasp that
               | concept, I have nothing else to say to you.
        
               | lolinder wrote:
               | I'm explicitly not saying that you should copy them, I'm
               | saying you should understand them. What makes them tick?
               | Why did people choose them? What do they do well? What do
               | they do poorly?
               | 
               | The fact that you're having such a hard time
               | understanding the difference between researching your
               | competition and copying them is further proof that you
               | aren't ready to be running a startup--you have a lot to
               | learn about business before you're going to get anywhere.
               | If you're dead set on continuing, it would be a good idea
               | to learn a bit of humility and consider that maybe, just
               | maybe, the dozen-or-so people on a startup forum telling
               | you that you're wrong might know something you don't.
        
           | timthelion wrote:
           | By work is common. For example sales people are paid on
           | comission. If they do 10 deals they get 10x the money.
           | Similarly, lawyers can and do work on comission in fields
           | like collection and tort. Farm workers are paid by piece when
           | it comes to harvesting or planting. In tech, pen testers are
           | often paid by exploit.
        
         | nivethan wrote:
         | One note, I don't think the author is saying that the person
         | should be anonymous but rather the way they talk to their
         | audience should be. In the backend they will be known but for
         | the audience they have a specific name that doesn't have to be
         | their full government name.
        
           | hknmtt wrote:
           | I get that but you cannot be selling anonymously as long as
           | it is a way for you to make a living, fully or partially, and
           | it is not a one time thing(like selling some used items on
           | ebay or similar website). I cannot speak for all countries
           | but I would say most have a law that requires you to get a
           | sole proprietor license or incorporate as company when you
           | are getting income from repeated transactions. Customers have
           | various protections so they must know the identity of the
           | seller. Not that they want to, mostly they don't, but by law
           | they must be able to get that information, possible even
           | receive an invoice that lists this information. Not to
           | mention that if you are buying works for business purposes,
           | VAT might get involved and other legal and tax complexities.
           | 
           | If you are making a platform you must make it universally
           | usable. Just because one creator does not like or is missing
           | some thing, you just cannot bend the platform to suit his
           | needs. It just does not work like that.
           | 
           | Personally, I have solved the anonymity issue. It's not hard
           | to do but it requires legal layering, which sounds way more
           | complex than it actually is, but i don't want to get out my
           | solution in here.
        
             | zztop44 wrote:
             | I think part of Patreon's value-add is solving these
             | issues. And it's not like this is unprecedented. In the
             | music world there are artists who are anonymous but when
             | you buy a record you're buying it from retailer which is
             | where you go if there are issues and a record label, who
             | presumably knows the legal identity of the artist.
        
         | nikic wrote:
         | > You cannot do business and be anonymous. The tax man would
         | eat you alive. At least outside of USA. You also need a license
         | as sole proprietor or be incorporated as a company in order to
         | make repetitive sales and not one-offs. So again, no anonymity
         | whatsoever.
         | 
         | There is no anonymity between the creator and Patreon, or
         | between Patreon and patrons. The anonymity is between the
         | creator and the patrons.
         | 
         | I don't see any reason why this would be illegal, especially as
         | Patreon does this in countless jurisdictions.
         | 
         | > "by works" payment model is illegal. You can receive
         | donations or have subscriptions or pay per view but you cannot
         | "maybe deliver", "deliver maybe one work, maybe ten". Again,
         | illegal as fuck.
         | 
         | This is a model that Patreon already supports (again in
         | countless jurisdictions), so unless their legal counsel is
         | completely incompetent it can hardly be "illegal as fuck".
        
           | hknmtt wrote:
           | > There is no anonymity between the creator and Patreon, or
           | between Patreon and patrons. The anonymity is between the
           | creator and the patrons.
           | 
           | that is exactly the problem. You have two relationships here:
           | author -> patreon and author -> patrons. The first one is
           | irrelevant, the second on is the problematic one. You cannot
           | be anonymous in one case and not in another. That is not how
           | business, law or taxes work - anywhere. Just because patrons
           | do not want to know the legal identity does not mean it is
           | legal to hide it. You could get sued for tax avoidance like
           | that.
        
             | dkarras wrote:
             | patrons pay patreon, not the author. patreon pays the
             | creator. how can it be illegal? patrons trust patreon to
             | deliver their money to the authors, but that is irrelevant.
             | the patrons pay directly to patreon.
        
             | baobabKoodaa wrote:
             | You make a lot of outlandish claims. I'm confused - are you
             | claiming that Patreon is an organized crime syndicate?
        
             | teraflop wrote:
             | Do you think it was equally illegal for publishers and
             | bookstores to sell novels written by Richard Bachman,
             | without revealing that that was actually a pseudonym for
             | Stephen King?
        
               | hknmtt wrote:
               | "publishers" is the keyword here. You have answered your
               | own question.
        
               | teraflop wrote:
               | If you can point me to a law that says it's legal to hide
               | a content creator's identity from customers when the
               | content is ink and paper, but illegal when it's
               | distributed over the internet, I'd love to see it.
               | 
               | As others have pointed out, Patreon does exactly this in
               | many different jurisdictions. I find it hard to believe
               | that they're just brazenly violating the law and
               | absolutely nobody cares.
        
               | pjc50 wrote:
               | Patreon is effectively the publisher here? Again, they
               | are already doing it which makes your assertion of
               | illegality questionable. What jurisdiction are you,
               | Germany?
        
             | padjo wrote:
             | Anonymous artists have made money for years in all sorts of
             | jurisdictions, it's definitely possible to do. e.g. banksy,
             | the residents, the rubber bandits, TISM
        
               | hknmtt wrote:
               | Yes, but these are true artists that make one-off sales.
               | It is not a business for them(not legally). Where you
               | have no legal obligation to become a "business". Author
               | on Patreon on the other hand cannot claim to be
               | "opportunistic" seller. They make repeated sales there,
               | therefore it is taxable income and therefore they must
               | become a legal entity of some sort and abide by the legal
               | and tax laws of the consumer tax law in their country of
               | origin.
        
               | defrost wrote:
               | With two decades of performance and album sales, an 18
               | year hiatus and a recent reunion you can hardly accuse
               | TISM of "one-off" sales.
               | 
               | https://en.wikipedia.org/wiki/TISM
               | 
               | The key here is that neither Humphrey B. Flaubert nor
               | Eugene de la Hot Croix Bun were filing tax returns via
               | their nom de guerre's.
        
               | zztop44 wrote:
               | Just absolutely loving that TISM is popping up here.
               | They're the first thing I thought of in this thread too.
        
             | eichin wrote:
             | Perhaps it would be clearer to "follow the money" - from my
             | perspective (as a patron) the relationships are "patron -
             | patreon" (I pay a single bill from them, once a month or
             | slightly more, but _not_ once per artist) and then
             | "patreon - artist". (Banks/CC/paypal are more interested in
             | the first one, IRS is more interested in the second one...)
             | 
             | I _already_ don 't know any direct "wallet" information
             | about the artist, and that's kind of the point - every
             | direct micropayments approach since at least the mid-1990s
             | has failed, so we have aggregation instead, otherwise we'd
             | be spending more on the transaction than on the artist.
        
               | hknmtt wrote:
               | Well, that presupposes that patreon itself is the
               | publisher and you as patron/payee are doing business with
               | them and not with the author. Which is the same model
               | that youtube uses. I have never been author on patreon,
               | so i have no idea about their setup. If this is the case
               | then obviously that is perfectly legal. The problem then
               | becomes censorship because patreon then is the owner of
               | the license for your work that they are selling
               | themselves and giving you your cut. Quite a different
               | business model but one that "protects" the identity of
               | the author because they are essentially sub-contracotrs.
        
             | ok_dad wrote:
             | Buddy are you for real? It's perfectly legal to sell under
             | a fake name (or for instance, as an LLC) as long as you pay
             | your taxes as your real identity!
             | 
             | You need to maybe not try to replace patreon if you're this
             | clueless.
        
               | tester457 wrote:
               | But can't anyone just look up the owner of the LLC, that
               | info is public?
               | 
               | I believe that if someone with a patreon wants their
               | identity to stay private, making an LLC (depending on the
               | name of it) may backfire?
        
               | wryanzimmerman wrote:
               | There are several states where you can form an LLC
               | without making your information public. In New Mexico you
               | don't even need to tell the state.
               | 
               | I can't tell if you're talking about the US though, if
               | you're referring to other countries it may be much more
               | restrictive, lots of places seem to require ID and
               | registration for basically anything.
        
             | dmak wrote:
             | Isn't Patreon the merchant of record?
        
         | eichin wrote:
         | The IRS and Patreon need to know who you are. Patrons don't.
         | The article is pretty specific about the distinction. (Looks
         | like the US is 30% of patreon's business, more than any other
         | single country, so I'm reasonably comfortable acting like my
         | US-specific response matters.)
         | 
         | Likewise, are you claiming that the "by works" model that
         | patreon supports _today_ is illegal?
         | 
         | As for the "non quid pro quo" case - as a patron I care about
         | this one in particular - patreon _does_ this (or at least only
         | screws it up in minor ways), the article is just recommending
         | that any alternative handle it too. Maybe your donation
         | management approach handles this?
         | 
         | Finally, "api access to third parties without being able to
         | monetize it" - the request isn't so much for _third_ party
         | access, as first party - primarily for artists, maybe
         | optionally for patrons. (This one is a little less important if
         | you have a broad enough range of artist-CRM options, but
         | really, noone has before, api support for developers is a great
         | way to let other people fail fast so you don 't have to...)
         | Also, the API in question is something slightly less
         | sophisticated than "a single google sheet per artist", it's not
         | going to be _that_ expensive.
         | 
         | I'm definitely curious about what you come up with, especially
         | if you get traction with artists - but only about half a dozen
         | of the artists I support through patreon are outside the US
         | anyway, so until you work out US support I'm probably not going
         | to notice. Good luck, though.
        
           | hknmtt wrote:
           | > The IRS and Patreon need to know who you are. Patrons
           | don't.
           | 
           | As i commended elsewhere, if Patreon acts as the publisher,
           | then yes. The authors are merely sub-contractors and their
           | relationship with patrons is quite different.
           | 
           | > Likewise, are you claiming that the "by works" model that
           | patreon supports today is illegal?
           | 
           | As I commented elsewhere, I might not have understood what
           | the author has been describing and misinterpreted it.
           | 
           | The API question, based on your take, then needs to be
           | expanded on. Too many variables here. Sound more to me like
           | this is not an API question at all, but rather lack of
           | functionality/forms/pages/lists on the front-end side?
           | 
           | > I'm definitely curious about what you come up with,
           | especially if you get traction with artists - but only about
           | half a dozen of the artists I support through patreon are
           | outside the US anyway, so until you work out US support I'm
           | probably not going to notice. Good luck, though.
           | 
           | It will have no geo-restriction so who ever comes will be
           | welcome. Frankly, I am not looking to get millions of users.
           | I will be satisfied if it pays for itself and people's
           | salaries and author get alternative means of communicating
           | with their fans, or the world, in this modern era of
           | censorship and political correctness. My setup if very
           | different from the one bigtech uses, so I hope that will be
           | what will attract people there. I have been working on this
           | for a year with about 5 month break. It will be out next
           | year.
        
       | Raed667 wrote:
       | Highly relevant video: The Rise (and Fall) of Patreon - Tom
       | Nicholas
       | 
       | https://m.youtube.com/watch?v=mXyN3-gQwJw
        
         | kapp_in_life wrote:
         | Only got halfway through this video. While it's interesting I
         | find it exhausting how much he singly focuses on the VC
         | financing. This is a classic case of mismanagement by senior
         | management & overly optimistic decisions by the C level staff.
         | Nobody forced them to take on that funding, and clearly it
         | helped them in early stages to grow their company and
         | outcompete the companies with less funding(subbable, etc.)
         | which he handwaves away.
         | 
         | Honestly this is the reason I generally ignore these types of
         | video essays, the people who make them generally have the most
         | lazy criticisms that always end up pointing to the same
         | boogeymen(VC, capitalism, US, etc.)
        
       | fluxem wrote:
       | I'm not convinced by the arguments.
       | 
       | Do the majority of creators want anonymity? I don't think so.
       | They can set up a company and hide behind it if they do. Being an
       | anonymous platform invites tax evasion and money laundering. Do
       | you really want to deal with that?
       | 
       | Why would I open up an API so that competitors can swoop in? What
       | benefit that would provide to me? No one will use API over UI.
       | 
       | The author clearly wants a donation platform that caters to a
       | very niche group of users. I would guess there are less than 100
       | people in the world who want it (and do not need it)
        
         | TRiG_Ireland wrote:
         | How would the API described help competitors? If I, as a
         | creator, want to set up "Patrons of level X have access to this
         | section of my website", and I build against the Patreon API to
         | achieve that, surely that embeds me more in the Patreon
         | ecosystem, not less?
        
       | x0x0 wrote:
       | I think the real answer may be that patreon is, actually, a bad
       | business; and that nobody has cracked microtransactions.
       | 
       | Separately, while Patreon's charging changes seem boneheaded, I'd
       | guess at least a 50% chance that they weren't driven by stupidity
       | but rather by a CFO having a come to jesus conversation with the
       | e-team. Driven by the fact that microtransactions run on a credit
       | card are tough.
       | 
       | Their giant raises make more sense if they were eating a ton of
       | fees in an attempt to hold out for scale where enough people (eg
       | I spend $20-ish/mo on patreon) charge enough money that the 5%
       | covers the processing fees.
        
         | [deleted]
        
         | braza wrote:
         | > nobody has cracked microtransactions
         | 
         | It's hard to agree on this one.
         | 
         | Personal anecdote: In 2010's I worked in a micropayments broker
         | linked with all telecom companies.
         | 
         | The whole thing was: that NSFW creators used a shared SMS
         | shared code (i.e. a SMS number that receives messages for
         | several creators and the code (for instance HNCODE25) was used
         | to move money to a balance account) and for each of the
         | payments that people used to do with them the telecom company
         | got 15% slice, and the rest the telecom moved the money to the
         | broker.
         | 
         | Another point: In Brazil due to the PIX [1] almost all of those
         | payment platforms (Paypal included) are becoming irrelevant
         | because you can generate random tokens that can be hard to
         | trace, and all the payments occur instantaneously giving enough
         | time for withdrawn before any attempt of censorship and or any
         | policy change. [2]
         | 
         | [1] - https://en.wikipedia.org/wiki/Pix_(payment_system) [2] -
         | https://news.ycombinator.com/item?id=19867120 ...
         | 
         | About the article itself, it's surprising to me (and I assume
         | some sort of intentional ignorance here) that even in the
         | current state of technology we do not have a "dumb pipe"
         | payment system as before and we're still relying upon those
         | middle man actors or not-so ergonomic alternatives as P2P
         | crypto.
        
           | viraptor wrote:
           | People like the service that the middle man provides. They
           | may not like the middle man, the fees, etc. but tell someone
           | that "your transactions are not reversible, if you lost your
           | money that sucks I guess, even if we messed up" and they will
           | be happy to pay that transaction fee with another provider
           | instead. Even with the small amounts, you either have to
           | approve each transaction (which leads to another category of
           | scams), or trust someone with access to your account.
           | 
           | If you care about spending just $2/mth and not more... that
           | may not be a risk you wanna take.
        
             | KronisLV wrote:
             | > People like the service that the middle man provides.
             | They may not like the middle man, the fees, etc. but tell
             | someone that "your transactions are not reversible, if you
             | lost your money that sucks I guess, even if we messed up"
             | and they will be happy to pay that transaction fee with
             | another provider instead.
             | 
             | This might not be entirely realistic, but the idea of
             | passing that choice on to the end user seems interesting:
             | Payment of 12.99 EUR (VAT of X% included) to $vendor for
             | $service, choose one:       [ ] - regular payment, 0.50 EUR
             | fixed fee       [ ] - safe(tm) payment*, 2.00 EUR fixed fee
             | * safe(tm) payments can later be disputed and reversed, if
             | necessary
             | 
             | Or something like that. I mean, regulation aside (this is a
             | thought experiment), I can already choose whether I want to
             | pay extra for tracking for international deliveries and
             | when buying goods, sometimes extended warranty/insurance is
             | offered as an option. Why wouldn't I get the choice whether
             | I want my payments to carry less overhead OR have the
             | protections you'd expect with the "middle man", as a choice
             | within the same payment platform?
        
               | maccard wrote:
               | PayPal does this with Friends and Family.
               | 
               | Go onto the various scam reddits and see how many people
               | suddenly wish they hadnt listened to the seller and used
               | friends and family instead.
        
               | bigstrat2003 wrote:
               | There's no cure for stupid. No matter how many warning
               | labels or hoops you put in front of the potentially
               | dangerous option, someone _will_ hurt themselves with it.
               | That doesn 't mean the option shouldn't exist, though.
        
               | thaumasiotes wrote:
               | You can't give the choice of whether a payment can be
               | disputed to the purchaser. The reason you can't do that
               | is that you have no way to verify that the purchaser is
               | who they claim to be. If you accept payment from a stolen
               | card, it will be reversed, even if the thief checked a
               | box saying "it is impossible to reverse this payment".
        
               | KronisLV wrote:
               | I guess some are making that choice for themselves, in
               | the form of using crypto (which then comes with a _long_
               | list of issues).
               | 
               | Then again, I guess it's also possible to go in the
               | opposite direction and look into additional means of
               | verifying who is making a purchase - over here, we have
               | chips in government issued ID cards which can be used for
               | signing documents, whereas most banks already use a 2FA
               | system with codes (mobile app, not SMS; but also not
               | TOTP, rather issued certs based on a contract with
               | SmartID) for approving access to bank accounts and then
               | another code for confirming orders. It wouldn't be
               | entirely unrealistic to imagine that technology
               | progressing and merging in the decades to come: you can
               | already use the ID cards for signing into everything from
               | government portals, to utility service providers.
        
           | pjc50 wrote:
           | Under what circumstances can people be banned from PIX?
        
             | [deleted]
        
             | marcosdumay wrote:
             | In practice you can't. Nobody required banks to implement
             | this, they certainly didn't go out of their way to build
             | it.
             | 
             | You can still have your bank account blocked by a judge.
        
             | braza wrote:
             | We do not have the jurisprudence for that, so in principle
             | if a single federal judge establish that you will be banned
             | via your bank blocking your account. If this happens, for
             | sure the Supreme Court will chime in and establish an
             | common understanding and the lower/higher chambers will
             | legislate around it.
             | 
             | Despite of what happen in Brazil politically this is a very
             | serious process that if a judge misjudge that it could open
             | a huge precedent for a lawsuit against the state.
        
         | Marazan wrote:
         | Patreon took venture money despite being bootstrapped.
         | 
         | That is behind everyone of their dumb decisions.
         | 
         | They had a great model harvesting nickels and then they sold a
         | vision of Taylor Swift being on Patreon to VCs.
        
         | raincole wrote:
         | The author starts the article with "take Patreon's lunch
         | money". What lunch? The one VCs fed them? Is Patreon even
         | profitable?
        
           | Applejinx wrote:
           | See, this is what immediately turned me off the article.
           | 
           | I don't WANT a payment system that is about beating up other
           | payment systems in the schoolyard and making them cry.
           | 
           | I want a payment system that takes money on my behalf and
           | then pays me with it.
           | 
           | I'll put up with a lot of inefficiency if it's boring and
           | predictable. You're gonna have a heck of a time prying me
           | away from Patreon in favor of your new lunch-money taking
           | payment system with crypto and hookers. If you're leading
           | with 'take their lunch money', I don't trust you.
           | 
           | I don't trust Jack Conte THAT much, but it's sure a lot more
           | than you.
        
             | chiefalchemist wrote:
             | To your point, it's foolish to pick a fight with a grizzly
             | bear (i.e., Patroen). It's smarter to ask: where is there a
             | market not being fulfilled? Then if that goes well enough
             | eventually *maybe* you look to square off with the grizz.
             | But to run into the sprawling plenty of room forest
             | intentionally looking for a gizzly? That's foolish.
        
           | dangus wrote:
           | Exactly.
           | 
           | The author also dumped on Patreon's incredibly low processing
           | fee. Who is going to compete with 5% plus payment processing?
           | And they dumped how this processing fee is unsustainable and
           | that the community was mad about changing it.
           | 
           | What business is going to disrupt margins like that? That's
           | like saying "I'm going to sell stuff cheaper than Costco."
           | Good luck with that!
        
             | carlossouza wrote:
             | Exactly. Race to the bottom
        
             | baobabKoodaa wrote:
             | FYI Patreon does not offer the 5% deal to new creators
             | anymore. Now it's 8%.
        
               | dangus wrote:
               | Right, and that is still low.
        
               | baobabKoodaa wrote:
               | Sure.
        
           | bakugo wrote:
           | Why wouldn't it be profitable? All they really do is take
           | money from people, give them to other people, and take a cut
           | of it.
           | 
           | I was under the impression that Patreon is struggling because
           | their profits aren't enough to balance out the 9 digits of VC
           | money they greedily took in, not because there's no profits.
        
             | foobiekr wrote:
             | A lot of tech companies are unprofitable due to headcount.
        
         | hknmtt wrote:
         | "cracking" microtransactions is trivially simple
        
         | shakesbeard wrote:
         | I loved Flattr ~10 years ago. You said "I have $40/month" and
         | then these funds were allocated based on which things you
         | flattr'd during the month (there were little buttons on the
         | websites/blogs). Of course you could also say "include this
         | content creator every month".
         | 
         | It was so simple and elegant. As a consumer I had cost control,
         | too. Plus there were no micro-transactions, only one charge to
         | me.
        
           | sebzim4500 wrote:
           | I think any Patreon competitor really needs to have a way for
           | people to get access to bonus content when they pay. Even if
           | the content isn't really worth the money, people are more
           | likely to overpay for something they like than make a
           | donation.
        
           | BlueTemplar wrote:
           | Did you miss Flattr 2.0 - a browser extension looking at your
           | engagement ?
           | 
           | https://news.ycombinator.com/item?id=15557954
        
             | karl42 wrote:
             | I do not want to support anything that optimizes for
             | "engagement". It penalized all the really useful offerings
             | that I use for a minute to solve my problem and then don't
             | touch again in a long time and instead encourages
             | addictiveness.
        
               | BlueTemplar wrote:
               | There is no addictiveness here, because the person whose
               | behavior is measured and the one being rewarded for it
               | are two different people.
               | 
               | EDIT : I think what you missed is how this is an issue
               | mostly with advertising-funded websites, especially
               | platforms. More views = more money for the website. (It
               | even goes for Hacker News, somewhat !) But for Flattr
               | 2.0, more/longer browsing doesn't (directly) equal more
               | money (even for the creators, in aggregate) ! Even
               | Patreon has an issue like this - GP is talking about the
               | bundling issue, but Patreon still has an artificial moat
               | that exacerbates this : not only it's annoying to reduce
               | the funding for many other creators at once when you add
               | a new one, you can't even reduce your funding for a
               | specific artist to less than $1/month - regardless of how
               | much you might be paying per month to Patreon in total !
               | 
               | Or are you against free markets ?? They tend to promote
               | what people want and manufacturing wants too, you know ?
               | 
               | Flattr 2.0 of course still has some issues : why a very
               | short music video should be rewarded much less than a
               | long form blog post ? (OtoH the music video is much more
               | likely to be much more popular across a wider variety of
               | people, so I guess that issue is self-fixing ? EDIT: not
               | so much for a poem ?)
        
               | karl42 wrote:
               | The creators are encouraged to create
               | engaging/addicting/long content if that is what causes
               | higher payments. Therefore, I much preferred the original
               | Flattr where I defined which creator was beneficial to
               | me.
               | 
               | I don't think that Flattr2 is more true to a free markets
               | vision than Flattr1. Neither do I believe that a free
               | market is necessarily better than a regulated market.
               | Markets are a highly useful tool, not a goal themselves.
        
               | BlueTemplar wrote:
               | Hmm, good point, but since the extension is open source
               | you could always have decided to disable that part, or
               | even more importantly - reprogram it yourself to whatever
               | definition and weights of engagement that you would like
               | ?
               | 
               | https://github.com/search?q=flattr&type=repositories
               | 
               | (It's also out of control of the creators trying to
               | artificially increase engagement by doing tricks with the
               | Flattr 1.0 buttons on their websites.)
               | 
               | Apologies for linking to GitHub, but that's where the
               | official repository is, so...
        
             | kzrdude wrote:
             | I used the original flattr and apparently missed the reboot
             | too. Flattr 1 was dead for too long to carry me over
             | anyway.
        
               | BlueTemplar wrote:
               | There's a 3rd-ish version that stopped promoting the
               | extension and is closer to Patreon but with a set overall
               | rate.
        
         | cbzbc wrote:
         | The real answer is that the original core proposition of
         | Patreon was a fairly [b]boring[/b] business. It's a payment
         | processor alongside a smaller hosting business. For most
         | consumers of their platform it's not something they need or
         | intend to interact with that often.
         | 
         | Unfortunately Patreon saw itself as primarily a tech-company
         | able drive interactions via its own platform and capture more
         | value from creators[ _]. The pandemic - and the ensuing
         | explosion in the number of creators and consumers - fed this
         | illusion further.
         | 
         | Both factors led to an influx of VC money, and now they are
         | stuck trying to make returns against a mostly fictitious
         | valuation.
         | 
         | [_] This should have always been a warning sign, the average
         | creator isn't rich, they aren't making bank on things like
         | t-shirts.
        
           | jlokier wrote:
           | Just a little HN editing tip: if you put a backslash before
           | the star like this: '[\\*]', it won't disappear and turn the
           | following paragraphs to italics.[*]
           | 
           | [*] Footnote.
        
             | cbzbc wrote:
             | Cheers for that.
        
       | KRAKRISMOTT wrote:
       | OP missed the elephant in the room. Patreon is the only platform
       | that allows you to launder softcore (nothing explicit from in
       | front of a camera) NSFW content with legitimate payments. There
       | is an incredible amount of erotic artwork, drawings etc. that are
       | sold through Patreon instead of having to resort to niche adult
       | video site payment processors.
        
         | egypturnash wrote:
         | Subscribestar has successfully pivoted from "Patreon but you
         | can post right-wing propaganda" to "Patreon but with less
         | restrictions on horny stuff". Patreon is slowly but surely
         | becoming more hostile to horny stuff; right now I'm in the
         | middle of going around with their support over horny creators
         | having to provide some additional identity verification through
         | a third-party site that isn't working on my computer or my
         | phone.
        
           | kodra wrote:
           | The issue is that "less restrictions on horny stuff" means
           | "more restrictions from payment processors" nowadays. Doubly
           | so if you're a Russian platform like Subscribestar is.
        
             | egypturnash wrote:
             | hahahhaa Subscribestar is Russian? Well that's gonna be fun
             | for all the furry artists posting super-gay stuff on there
             | once it gets big enough for the Russian government to
             | notice.
        
               | hknmtt wrote:
               | Yes, but they operate from american llc.
        
               | idiotsecant wrote:
               | Don't make the mistake of thinking the Russian government
               | _actually_ cares about homosexuality. It 's for internal
               | consumption only, for the purposes of establishing a
               | convenient domestic 'other'. If they have to choose
               | between a revenue source and enforcing the morality
               | policies of the state in a way that doesn't interfere
               | with the internal propaganda machine it's clear which
               | option wins.
        
               | tetraca wrote:
               | Whether or not it's tolerable enough for the Russian
               | government probably depends on whether or not
               | SubscribeStar is keeping up with giving the appropriate
               | people in the Russian government a cut of their money.
        
               | Kye wrote:
               | I don't get the impression Russia's censorship laws are
               | applied outside Russia. You can find _tons_ of gay stuff
               | on Yandex 's image and video search without being coy
               | about the search terms.
        
               | kelsey9876543 wrote:
               | yandex left russia
        
               | SSLy wrote:
               | yandex operates from moscow
        
               | jowea wrote:
               | Wonder if they will care if it's mostly a foreign
               | audience.
        
               | kmeisthax wrote:
               | Russia's MO - and the only thing they're good at - is
               | information warfare. They don't care about the furry porn
               | as long as it lets them propagandize the far-right in
               | other countries.
        
               | twic wrote:
               | The Russian government will probably subsidise them to
               | further weaken the West.
        
               | zztop44 wrote:
               | Then they'll be disappointed. Accepting gay stuff does
               | _not_ weaken any country or region.
        
               | kmeisthax wrote:
               | That's not Russia's MO. Their goal is to continue
               | funneling money to far-right westerners and having a
               | funding platform lets them do that. Furries using it
               | provides plausible deniability in the same way that anti-
               | censorship activists using Tor provides deniability for
               | CIA agents.
        
               | BeFlatXIII wrote:
               | ...but tricking millions of men into lusting after big
               | booba vixens instead of other humans (of either gender)
               | may.
        
           | asddubs wrote:
           | SubscribeStar still features the golden one, an open neo-
           | nazi, as one of their hand picked "success stories" on their
           | frontpage, so I don't believe they really pivoted, if
           | anything they expanded.
        
             | BeFlatXIII wrote:
             | The more things change, the more they remain the same. Neo-
             | nazis and pornographers, to this day, are still at the
             | forefront of payment shenanigans.
        
               | _a_a_a_ wrote:
               | Genuine question, do you use the term pornographer merely
               | descriptively or derogatorily?
        
         | lolinder wrote:
         | That's an interesting fact, but it doesn't seem to be an
         | essential a part of competing with Patreon like having a basic
         | understanding of artists' lives and business models is. The
         | author's goal wasn't to document all the ways in which someone
         | might try to take part of Patreon's business, they're simply
         | documenting a few of the essential elements of a creator
         | funding platform that Patreon competitors have heretofore
         | failed to understand.
         | 
         | Allowing or disallowing specific categories of content is a
         | lower-level business decision than understanding your
         | customers' basic needs.
        
       | escritor-ai wrote:
       | [flagged]
        
       | mannyv wrote:
       | There's a lot of talk about tipping, consumers, etc.
       | 
       | Being a Patron (which is what Patreon was trying to do)
       | traditionally meant supporting someone, no matter what their
       | output. If your tortured genius put out one work a year, so be
       | it. If they popped out Sunflowers then even better!
       | 
       | There doesn't have to be any quid pro quo at all.
       | 
       | It's what we now call Basic Income financed by someone's surplus.
       | 
       | Don't overthink it. It's not a tip, it's a gift, an expression of
       | support. It may be something more, but in the end you're giving
       | money to someone, period.
       | 
       | As an aside, it's really unclear if Patreon payments should be
       | considered income in the US. It's a gift, but it's up to the
       | giver to handle that. I doubt creators would need a 1099 in that
       | case either.
        
         | noirbot wrote:
         | Is this historically accurate? Most of my renaissance art
         | history class memories involve artists kinda getting controlled
         | by their patrons a lot of the time. Plus, the patron usually
         | got to own/sell/commission works from them. Sure, some of it
         | was at the time, it looked good for you to have artists in your
         | keep, but it wasn't some sort of no-strings-attached
         | benevolence, and the situation they put out no work for
         | extended periods and still stayed on with their patron feels
         | more like survivorship bias. How many middling royals were
         | going through patronizing artists who didn't become a big deal
         | and then dropping them?
        
         | majani wrote:
         | Exactly. The reason Patreon has been able to get away with a
         | basic platform is because they served a basic need: giving your
         | faves money.
         | 
         | They also had good timing since they allowed you to send your
         | faves money before the creator platforms developed in-house
         | solutions.
        
         | wlesieutre wrote:
         | When Patreon is structured as "For $5/month you get X, for
         | $10/month you get Y, for $15/month you get Z" can you really
         | argue it's a gift? It's very transactional.
        
           | efdee wrote:
           | I'm not sure how representative my personal data point is,
           | but I don't really pay attention to the perks. I pick a tier
           | based on how much money I want to send their way.
        
             | Loughla wrote:
             | I'm not sure the IRS cares about your intent. I feel like
             | the structure is important.
        
           | yayitswei wrote:
           | Yes but those rewards are rarely fungible. As I understand
           | it's more about recognizing the patron (e.g. your name in the
           | credits) and giving them special status in the community
           | (e.g. early access) rather than getting something of real
           | monetary value.
        
         | sebzim4500 wrote:
         | Almost all succesful creators on Patreon give you benefits for
         | subscribing (early access to content, behind the scenes, etc.),
         | so I don't see how you could possibly convince the IRS that
         | it's a gift.
        
           | sentimentscan wrote:
           | At EU there is a tax issue so you pay money + 23% VAT.
           | 
           | It isn't consider a gift as you a gaining something (access
           | to page) so you need to pay tax on that.
           | 
           | This is one thing that bothers me with patronite and other
           | platforms. I wish I could simply send a gift (without acces
           | to anything) and not to pay another tax on already taxed
           | money.
        
             | xxs wrote:
             | VAT rate is EU state based (varies 16-25%), the VAT has to
             | applied to the one's 'donating' the money state of
             | residence, as long as there is more than 10k euro/year
             | revenue.
             | 
             | Many EU states tax tips as well (all the way ->
             | VAT/corporate/income/social tax)
        
             | robinsonb5 wrote:
             | The flipside of that is that Patreon handles the ugly
             | details of making sure the right amount of VAT / sales tax
             | is paid on transactions - and from a creator's point of
             | view this is a big part of their value proposition.
             | 
             | If creators had to administer that stuff on an individual
             | basis they'd have no time left for creating.
        
           | Applejinx wrote:
           | I don't, not the slightest amount, and I still don't try to
           | convince the IRS that my sole source of income is 'a gift'.
           | (not counting the pathetically small YouTube revenue)
           | 
           | It doesn't ACT like 'a gift', it acts like a paycheck. If a
           | guy gets paid by a car dealership because he's the owner's
           | kid without having to do anything, the IRS doesn't care
           | whether he has to work for real but it very much cares
           | whether he pays his taxes on his income.
        
         | [deleted]
        
         | culi wrote:
         | If it's a gift, does that mean it goes towards your yearly gift
         | tax limit?
        
           | pbjtime wrote:
           | You can always give it a shot. Doubt they're going to audit
           | your gifts unless they're in the multiple thousands and even
           | so you have a logical case.
        
             | dmoy wrote:
             | Also note if you exceed the yearly gift tax limit you just
             | file 709 and apply the excess to your lifetime estate
             | limit, currently $12,000,000-ish.
             | 
             | (Federal) gift tax isn't really a thing except for the
             | exceedingly wealthy. Idk about all states
        
         | canadianfella wrote:
         | [dead]
        
       | kmeisthax wrote:
       | There's one root cause for most, if not all of the things
       | mentioned about Patreon in this post: Jack Conte took VC money.
       | 
       | Neophilia is a progressive and incurable disease of venture
       | capital. VCs aren't looking to build sustainable, profitable
       | businesses. They are looking to buy entire market segments for
       | later enshittification. Your job as a founder of a company asking
       | for VC money is to construct a parallel state around your target
       | market so that you can charge taxes on everyone in that market
       | and that the VCs can sell the entire market to someone else for a
       | huge profit (the "exit").
       | 
       | Jack Conte is very firmly an artist, and not a walking pile of
       | technofeudalist money, so I can't help but look at this as a
       | deal-with-the-devil scenario. Or at the very least, someone
       | desperately trying and failing to keep the money on track. The
       | VCs bought a payment bundler and want to turn it into a merch
       | vendor, website host, etc.
        
         | [deleted]
        
         | [deleted]
        
         | hbarka wrote:
         | I wonder when Varoufakis' introduction of the word
         | technofeudalist got into the techie vernacular.
        
           | ajkjk wrote:
           | Personally I read about the book and immediately thought,
           | "yes, this is one of the words we've been needing", and then
           | started telling friends about it.
        
           | kmeisthax wrote:
           | For me it was a few weeks ago when Cory Doctorow posted a
           | review of Varoufakis' book.
        
         | notabennett wrote:
         | Yes, and: Patreon is, at its core, a professional services
         | provider for large YouTube artists. That's the segment it's
         | best at supporting and the segment that needs it the most. But
         | its valuation is based on the idea that it's going to capture
         | some percentage of the entire creator economy.
         | 
         | I do think there are some specific details about Patreon's
         | history and leadership that make it unusually bad at running an
         | engineering organization, even for a VC-backed startup. It has
         | some deceptively hard engineering problems and has struggled to
         | attract, retain, and use technical leadership equal to those
         | problems.
        
       | tunesmith wrote:
       | I wonder if you could make headway by requiring a minimum
       | $15/month from patrons, to make it profitable after processing
       | fees (assuming the $14.29 hypothesis is correct). Aside from the
       | folks you want to directly patronize, the rest would go into a
       | long-tail slush fund. I guess that would chase away the vast
       | majority of the people that really do only want to donate
       | $3/month or whatever though...
        
       | wslh wrote:
       | I am really interested in the space. A friend has launched
       | https://www.imgrateful.io/ and I think crypto (beyond all
       | criticism that we can do) is an interesting option for tipping
       | and receiving donations without the annoying friction of
       | Paypal(s).
        
         | treyd wrote:
         | I think tipping is the wrong framing. Patreon works on a
         | recurring basis so it fosters a stronger relationsip between
         | creator and consumer, and provides a more stable revenue stream
         | for creators.
         | 
         | Whatever comes after Patreon should be creator-owned like
         | Nebula is to increase the level of accountability it has to its
         | users on both sides.
        
         | manchmalscott wrote:
         | Doesn't crypto have a gas fee or something that would cost more
         | than most micropayments to begin with?
        
           | dotnet00 wrote:
           | Depends on the currency, IIRC with Monero the fee is like a
           | tenth or a hundredth of a cent.
        
           | wslh wrote:
           | There are technologies that does not suffer from the fee
           | issue. Here I don't want to start a crypto war. We can even
           | forget about the crypto charged word and think about stable
           | coins, points and/or tokens that could be changed. I used the
           | example of crypto just to emphasize that the current
           | financial methods are very expensive and compliance crazy to
           | process basic donations to developers and/or other creative
           | endeavours. The typical "the righteous pays for the sinner".
        
           | culi wrote:
           | Depends on the currency. For Bitcoin, that's what the
           | lightning network is *trying* to fix
        
           | swaptr wrote:
           | not on the lightning network
        
             | idiotsecant wrote:
             | Let's not start down this road unless we want a detailed
             | discussion of why the lightning network is hopium and
             | fantasy that has fundamental basic routing flaws obvious to
             | anyone who's built anything at scale.
        
               | mandmandam wrote:
               | Can we start down the road of block-lattice tech, which
               | has been running fast, safe and free for like seven years
               | now?
               | 
               | It's tiresome hearing about crypto's fees, eco, and
               | mining problems while there's a proven technology that's
               | actually spam resistant and nearly consumer-grade
               | _actively working_ , right now.
        
       | jp57 wrote:
       | I think it's cute that he thinks someone could build and maintain
       | well all the things he wants for less than 5% in commission and
       | also not pass along processing fees, on what he admits is a
       | micropayment processor.
       | 
       | That said, I don't understand the motivation for Patreon's
       | decision to stop bundling payments, unless they're being forced
       | to by issuing banks or payment processors for some reason.
       | 
       | EDIT: Thinking about it more, I suspect it has to do with fraud
       | detection and prevention. A site like Patreon is at high risk to
       | be a place to siphon money from stolen cards: Create some fake
       | artists and have a bunch of fake patrons pledge to them using
       | stolen cards. This kind of scam is likely much harder to detect
       | and prevent with bundling, when multiple fake artists can be
       | mixed in with some real ones in a single charge.
       | 
       | I think many people don't realize that when an online payment is
       | charged back for fraud, the merchant (Patreon, in this case) is
       | liable for the charges, not the issuing bank. (Well, there are
       | some instances where liability can be shifted to the issuer, but
       | they're not that common.) High chargeback rates can also result
       | in higher fees for the merchant. And of course the effort to
       | detect, prevent, and remediate the fraud has to be paid for out
       | of Patreon's commissions, in addition to everything else.
        
         | notpachet wrote:
         | > I don't understand the motivation for Patreon's decision to
         | stop bundling payments
         | 
         | The way I understand it, the motivation is that they're losing
         | money on bundled microtransactions until customers cross some
         | monthly threshold (let's say that's the $14.29 mentioned in the
         | article). So let's say a customer has a $1 monthly subscription
         | to Creator A, and another $1 subscription to Creator B, adding
         | up to a bundled $2 monthly charge to their credit card. That's
         | apparently below the price point where the provider is able to
         | offset the processing fees. Whereas if they have two separate
         | $1 charges, that reduces the loss somehow (I'm not a payment
         | processing expert and I didn't read the fine print that the
         | author posted, so I don't understand exactly why that's the
         | case.)
         | 
         | I wonder if the "solution" would be for Patreon to have a
         | minimum subscription model, where each customer is guaranteed
         | to pay, each month, an amount that's above the threshold
         | required for Patreon to avoid a loss on processing fees. You
         | sign up as a patron, and you're automatically dinged $15/mo as
         | long as your account is active. You can choose to route those
         | $15 to whatever creators you want, and you'll see a single line
         | item on your bill. And then obviously you can exceed that
         | threshold if you want to support more creators.
        
           | si1entstill wrote:
           | > Whereas if they have two separate $1 charges, that reduces
           | the loss somehow
           | 
           | This is what is being questioned. I've spent several years
           | working in merchant processing, and I've never heard of a
           | billing structured offered by a processor in which it would
           | be advantageous to split charges up. No one understands why
           | Patreon would be losing money by bundling. It could be
           | something with anti-fraud or anti-carding, but I'd have to
           | chew on that a bit more.
        
           | Trung0246 wrote:
           | So it sounds like "in-game currency" at this point (from the
           | minimum $15 charge)
        
         | culi wrote:
         | Liberapay is a popular FLOSS alternative that runs solely on
         | people donating to them through their own platform. They make
         | ~$790 a week currently
         | 
         | https://liberapay.com/Liberapay/
         | 
         | Ko-Fi is a proprietary example with 0% donation fees. They make
         | money through a "Gold" offering and through a 5% fee on non-
         | donation income. And they're successful enough to be hiring
         | right now:
         | 
         | https://more.ko-fi.com/careers
        
       | mattdesl wrote:
       | Crypto could provide a competitive edge to certain features in
       | Patreon (and Bandcamp).
       | 
       | - Instead of 4-7% payment processing fees, it can be effectively
       | zero[1]
       | 
       | - Instead of 8-12% fees (or 15% in case of Bandcamp), crypto
       | industry standards tend to be in the 0-5% range. It's not always
       | clear to me as a creator and patron why such a significant amount
       | of value needs to be captured for a digital asset sale.
       | 
       | - Users of the platform could be given more control such as
       | forking the OSS protocol if the core devs go off the rails or try
       | to extract more than what users feel it's worth. This is
       | especially interesting given the recent polarizing changes to
       | Patreon and Bandcamp's business structures.
       | 
       | - Settlement times can be measured in minutes or hours rather
       | than days, weeks, or months.
       | 
       | - Anonymity and local-first data privacy could be achieved, at
       | least theoretically. Practically, very few L2s have yet to reach
       | complete privacy using zero knowledge proofs and related
       | cryptography.
       | 
       | - Mitigating centralizing factors such as Patreon's control over
       | what is a morally acceptable revenue stream. Content like NSFW
       | art might be currently acceptable, but this could change on a
       | dime if the company decides to change its values.
       | 
       | Subscription and recurring payments are notoriously difficult in
       | crypto, but "by-work" as the author puts it, i.e.
       | "microtransactions per each published digital object" is already
       | happening in crypto and with much lower rates than Patreon et
       | al[2].
       | 
       | [1] https://l2fees.info/
       | 
       | [2] https://teia.art/about
        
         | jowea wrote:
         | > - Instead of 4-7% payment processing fees, it can be
         | effectively zero[1]
         | 
         | There are disadvantages to using Layer 2 of a blockchain, and
         | you are ignoring the costs of on-boarding and off-boarding from
         | cryptocurrency.
         | 
         | > - Users of the platform could be given more control such as
         | forking the OSS protocol if the core devs go off the rails or
         | try to extract more than what users feel it's worth. This is
         | especially interesting given the recent polarizing changes to
         | Patreon and Bandcamp's business structures.
         | 
         | In this case you're speaking of doing Patreon on the
         | blockchain, not merely using cryptocurrency transactions? How
         | would that work and how wouldn't it be cheaper and easier to do
         | with a public, possibly federated, server running a FOSS
         | Patreon software?
         | 
         | > - Settlement times can be measured in minutes or hours rather
         | than days, weeks, or months.
         | 
         | Are settlement times going down with FedNow? And even CC
         | transactions take seconds, do the content creators care that
         | much about getting the money immediately and isn't that a
         | greater fraud risk?
         | 
         | > - Anonymity and local-first data privacy could be achieved,
         | at least theoretically. Practically, very few L2s have yet to
         | reach complete privacy using zero knowledge proofs and related
         | cryptography.
         | 
         | I admit to not being familiar with the situation but aren't all
         | transactions public on the blockchain? How that can be
         | anonymous unless you're using something like Monero? And I'm
         | not sure what local-first data there is, you meaning having the
         | paywalled content downloaded to your device if you subscribe?
         | 
         | > - Mitigating centralizing factors such as Patreon's control
         | over what is a morally acceptable revenue stream. Content like
         | NSFW art might be currently acceptable, but this could change
         | on a dime if the company decides to change its values.
         | 
         | What about illegally acceptable revenue streams? How would such
         | a platform stop being banned due to illegal content?
        
           | mattdesl wrote:
           | > There are disadvantages to using Layer 2 of a blockchain,
           | and you are ignoring the costs of on-boarding and off-
           | boarding from cryptocurrency.
           | 
           | Yes, it's not a panacea, but has the potential to be far
           | lower than the current status quo.
           | 
           | > In this case you're speaking of doing Patreon on the
           | blockchain, not merely using cryptocurrency transactions? How
           | would that work and how wouldn't it be cheaper and easier to
           | do with a public, possibly federated, server running a FOSS
           | Patreon software?
           | 
           | It can be both; using smart contracts to facilitate payments
           | and identity, and some form of federated or decentralized
           | protocol for communication and discovery (e.g. Farcaster).
           | 
           | > Are settlement times going down with FedNow? And even CC
           | transactions take seconds, do the content creators care that
           | much about getting the money immediately and isn't that a
           | greater fraud risk?
           | 
           | Not everybody lives in the USA, and yes creators would likely
           | appreciate lowering payout schedules from days to hours.
           | 
           | > I admit to not being familiar with the situation but aren't
           | all transactions public on the blockchain?
           | 
           | Yes, like Monero but with smart contracts and verifiable
           | computation via ZK-SNARKs. It is possible, but in its
           | infancy: see Aztec and Aleo.
           | 
           | > What about illegally acceptable revenue streams? How would
           | such a platform stop being banned due to illegal content?
           | 
           | The primary hosts can choose not to serve the illegal
           | content; it would redirect the behaviour to alternative
           | platforms. Similar to a popular Mastodon server choosing not
           | to allow NSFW, but other servers might allow NSFW.
        
         | pjc50 wrote:
         | The real feature of centralized services is anti-fraud.
         | Conversely, the real service of crypto is easy to commit, hard
         | to trace, irreversible fraud.
         | 
         | (also, you've missed all the points in the original article
         | which crypto does not provide!)
        
           | mattdesl wrote:
           | I did address both the OP's 1) pseudonym (anonymity) and 2)
           | by-works, the other two points (patronage and audience
           | relationship + API) are both viable and already very much
           | present in crypto art communities.
           | 
           | The real feature of crypto is decentralization, which does
           | not need to mean fraud--in the same way that end-to-end
           | encryption does not only facilitate criminal behaviour.
        
             | CRM_CHILD_IDENT wrote:
             | Cryptocoins - I guess you mean that by misusing the term
             | "crypto" - are not "decentralized" just because there is
             | one p2p feature implemented.
             | 
             | On the opposite, you have ultra-centralized governance and
             | zero democracy.
             | 
             | You should erase the idea from your head that cryptocoins
             | bring anything valuable to the payment world.
        
               | mattdesl wrote:
               | How is Ethereum (an open source network) ultra
               | centralized and without democracy compared to PayPal or
               | VISA which currently account for a large portion of
               | Patreon payments?
        
               | CRM_CHILD_IDENT wrote:
               | Yes, it is the same, you are right. That's the point - no
               | inch more "power to the poeple" via cryptocoins.
        
               | mattdesl wrote:
               | Except these are not at all the same, and most users
               | cannot fork or participate in PayPal/VISA protocols.
        
               | AlexandrB wrote:
               | What difference does it make if they can fork or
               | participate? The important decisions are made by Vitalik
               | and a small group of insiders. Do users get any input on
               | anything actually important like the Ethereum fork that
               | bailed out the DAO investors?
        
               | mattdesl wrote:
               | Protocol and client development spans hundreds of
               | contributors and independent researchers. The discussions
               | and development is public; just look at the EIPs, or even
               | submit one yourself.
               | 
               | Users (non-devs) have agency through the software they
               | choose to run. If mainnet was seriously affected by some
               | attack, users could choose to migrate to a healthier
               | network run by honest nodes. This agency happens with
               | every hard fork: the DAO, but also the PoS merge.
        
               | [deleted]
        
             | CRM_CHILD_IDENT wrote:
             | BTW the platform teia.art you linked is a good example of
             | the anti-decentralization that any kind of "cryptocoin
             | platform" performs. Just another middleman that tries to
             | get between seller/ buyer with zero benefit for both sides,
             | but profit for the middleman.
             | 
             | Of course still lying into the face of potential users
             | about "decentralzing things" while trapping them into the
             | platform - what a joke!
        
               | mattdesl wrote:
               | Teia is an open source and interoperable platform,
               | basically the opposite of what you are describing. You
               | are welcome to browse the code yourself and make a
               | coherent argument against it.
        
         | smeej wrote:
         | Even granting that those things do apply, there's another major
         | hurdle for any platform that would try to do this with crypto:
         | 
         | You can't autobill.
         | 
         | Every time you want a payment, you need a signature from the
         | sending wallet. The closest you can get is a smart contract
         | where someone pre-loads a certain amount of money and it
         | trickles out as the months/works roll out, but it will
         | eventually deplete. Then what? Subscription over? Start the
         | nagging emails?
         | 
         | It's not "set and forget" like a credit card where you settle
         | the debt after the creator receives their payment.
        
           | mattdesl wrote:
           | Agreed, it is limited to active participation. Although this
           | might not be such an issue; a lot of creator payment
           | platforms (Bandcamp, Ko-fi, Kickstarter) depend on active
           | payments, and Patreon's recent announcements seem to suggest
           | they will lean more heavily on this.
        
           | timbit42 wrote:
           | You seem to mean Bitcoin when you say crypto. Other
           | cryptocurrencies such as Ethereum can do autobill.
        
         | braza wrote:
         | I think this is a great idea, but at least for Crypto the issue
         | is the ergonomics because it needs to be (1) convenient for the
         | creator, (2) convenient for the payer, (3) offer
         | liquidity/withdrawn venues for both parties. All of this
         | discarding the extra friction to make it operational (QR codes
         | with the codes would help here, but I am not sure).
        
         | kodra wrote:
         | Patreon creators actively voted against crypto.
        
           | xcdzvyn wrote:
           | Of course, and there was great uproar when Discord
           | implemented linking Ethereum wallet addresses to your account
           | - not because it's harmful, or even because it's a bad idea,
           | but because of this pervasive concept in some internet
           | communities that cryptocurrency is bad simply because it is.
        
             | AlexandrB wrote:
             | This is silly. There is a several hour long YouTube video
             | outlining many of the reasons why crypto is bad. There are
             | articles and books and analyses galore. Plenty of ink has
             | been spilled regarding why crypto is bad. What I _haven 't_
             | seen is any clear headed analysis of why crypto is good
             | that doesn't fall back on "but fiat is bad because
             | government" or on gold bug notions of "it has value because
             | it's scarce".
        
         | BlueTemplar wrote:
         | Last I checked, NSFW art wasn't currently acceptable, payment
         | processors would refuse to deal with you... so how do the likes
         | of Patreon and OnlyFans managed to get a pass ?
        
           | dotnet00 wrote:
           | They get a pass by having the right contacts at the payment
           | processors. Unfortunately we still haven't acknowledged that
           | online payment processors are effectively a utility nowadays,
           | so what the processors restrict and how they enforce it is
           | completely arbitrary, and thus the winners and losers they
           | choose are also very arbitrary.
        
           | game_the0ry wrote:
           | There was a HN post while back that speculated that they
           | might be using "cascading" payments where OnlyFans will load
           | balance across payment processors to keep the charge back
           | rates low.
        
           | mattdesl wrote:
           | NSFW art is not illegal; VISA won't block you if you fund an
           | artist who is drawing or photographing nudes, and Patreon's
           | current policy is that this form of content is acceptable.[1]
           | 
           | [1] https://www.patreon.com/en-GB/policy/community-guidelines
        
             | BlueTemplar wrote:
             | AFAIK the crux of the matter is exactly in how VISA and the
             | like are judge, jury and executioner on these matters : if
             | _they_ don 't think what you are doing is acceptable, being
             | legal won't change anything about that.
             | 
             | And as far as I remember, Patreon _also_ had similar issues
             | with terminating accounts of people that _they_ (not judges
             | !) have decided to have violated (IIRC) hate speech laws ?
             | (This wouldn 't be an issue if antitrust was working
             | properly and Patreon hadn't become so big that alternatives
             | aren't even on people's radars (GP's ignorance about Tipeee
             | being an example), but here we are...)
        
         | throwaway98797 wrote:
         | if you stay in crypto fees are small
         | 
         | the port to fiat is the problem
         | 
         | someone somewhere will need to change USDC / USDT (eek) to fiat
         | 
         | either all visitors of the platform or the platform forms those
         | relationships
         | 
         | this is the weakness of crypto enthusiasts' arguments. they
         | live in the world where crypto won and you can buy goods within
         | their ecosystem.
         | 
         | this is simply not true... yet?
         | 
         | i'm actually a fan of crypto, but these naive or bond header
         | arguments are not useful to convince anyone. it's like saying
         | you can lose weight eating mcdonald's, you _can_ but will most?
        
           | mattdesl wrote:
           | CEX fees tend to be very low, _much_ lower than payment
           | processor fees that most Patreon users are paying right now.
           | Coinbase and Kraken have no USDC withdrawal fees with ACH in
           | the US, and nominal bank fees in many other countries. There
           | is no fee exchanging USDC to USD on Coinbase, and Kraken's
           | trading fees are something like 0.26%.
        
             | throwaway98797 wrote:
             | so many of my frens (note the spelling) have had their
             | coinbase accounts frozen or investigated when used as a
             | pass through
             | 
             | i've personally never had a problem with them or circle but
             | my transaction volume is low. the normie can't and won't
             | figure out the metamask to coinbase to fait part.
             | 
             | it's painful for those deep in crypto let alone the average
             | patron supporter
             | 
             | stop painting a rosy picture of shitty crypto ux
        
               | mattdesl wrote:
               | Nobody is claiming that crypto UX is currently superior
               | to Patreon or Stripe.
        
         | fortran77 wrote:
         | I use Patreon. I wouldn't use crypto to pay a content creator.
         | (In fact, I've never used crypto other than to try to get the
         | software for Bitcoin running once in the early days of it.)
         | 
         | A person who is completely non-technical would be even less
         | likely to use Crypto than me.
        
       | squirrel wrote:
       | Micropayments, fraud, alternative transaction models -- this
       | would be a perfect topic for @patio11 . Would love to see a bits
       | about money newsletter on this.
        
       | charcircuit wrote:
       | There are patreon competitors. Just none of them have a pay by
       | work feature. Consumers likely prefer a predictable expense so
       | there isn't that much of a demand to do it that way.
        
         | FoeNyx wrote:
         | The post mentions Tipeee but it "charges 8%" and has "invasive
         | personal documentation requirements". Seems Tipeee is based in
         | Paris, so the cumbersomeness may be related to EU regulations.
        
         | BlueTemplar wrote:
         | There are, Tipeee is one as the author edited in.
         | 
         | > Part of what made Patreon explosively successful, in the
         | first place, was that Patreon had apparently cracked the code
         | on one of the hardest problems on the internet: micropayments.
         | 
         | > By the time Patreon had come along people had been discussing
         | the problem of micropayments on the internet for at least two
         | decades.
         | 
         | I guess the author missed the years where Flattr buttons were
         | popping up on every website, blog, and even comment ?
         | 
         | Flattr 1.0 seems to have been killed by a combination of the
         | 2013 Twitter APIpocalypse, being EUR-first, and not being based
         | in the Silicon Valley :
         | 
         | https://blog.hsnyc.co/post/flattr-works/
         | 
         | https://thenextweb.com/news/flattr-twitter-payments-ban
         | 
         | Then Flattr 2.0 tried again :
         | 
         | https://www.engadget.com/2017-10-24-adblock-plus-relaunches-...
         | 
         | And I doubt that Flattr was even the first to do the "bundling"
         | trick, heck this is probably also what made the Minitel so
         | successful ?
         | 
         | But as you can see it works in the opposite way : the patrons
         | set a specific sum of money to be distributed each month, which
         | then gets redistributed depending on their engagement with some
         | or other creator (which you can decide to manually boost).
        
       | hoofhearted wrote:
       | Would anyone be interested in a self hosted version of what
       | Patreon offers for creators?
       | 
       | I have been working on a free Wordpress alternative that is built
       | with React, and removes the guard rails and burdens for creators
       | that WP creates.
       | 
       | https://github.com/elegantframework/elegant-cli
       | 
       | I have had requests to include Twitch like features such as
       | tipping, subscriptions, and power ups.
       | 
       | I started planning out these features to get them into the
       | development pipeline and I realized that some of these features
       | are the value that Patreon creates.
       | 
       | Would developers/creators be interested in having subscription
       | tiers, tips, power ups, rewards, etc, on their own website
       | alongside their content?
       | 
       | I am currently working with a local creator who recently switched
       | over to us; and we are piloting ways to level up his content on
       | his domain by linking his Patreon account.
       | 
       | But as the author of the article mentioned, this creator goes by
       | a stage name when he's connecting with fans.
       | 
       | https://mankini.tv/
       | 
       | https://mankini.tv/interviews/mankini-interviews-buzz-osborn...
        
         | hoofhearted wrote:
         | I got downvotted lol.. I'll take that as a "Yes, build it" from
         | the haters.
         | 
         | I'll set up a payment gateway with Stripe and whitelabel their
         | subscription service to offer content creators a Patreon like
         | experience on their own website, and post a SHOW HN for
         | feedback.
         | 
         | Stay tuned : )
        
       | 6stringmerc wrote:
       | Still never got answers how Jack and Pomplamoose got away with
       | the "Beat It" cover video that propelled him upward.
       | 
       | Still seems shady.
       | 
       | Still will never go near anything endorses or touched by Amanda
       | Palmer.
        
         | bennettbackward wrote:
         | What did they get away with? Is there some drama around that
         | cover?
        
         | maleldil wrote:
         | What's wrong with the cover? What's your issue with Amanda
         | Palmer?
        
         | mschuetz wrote:
         | It's a great cover...what do you mean with "get away with"?
        
       | exizt88 wrote:
       | Anyone who has tried to build a pay-by-work model for digital
       | creators knows that it's simply an awful business model. There
       | just isn't that much demand for creator work. And there are no
       | "whales" among these customers to compensate. No one's buying 10
       | copies of a math explainer video.
        
         | ThrowawayTestr wrote:
         | If you can find a niche it can work. My friend built his own
         | website to sell his erotic art.
        
           | mkmk wrote:
           | How do smaller creators manage payments in the adult space? I
           | thought it was impossible.
        
             | ThrowawayTestr wrote:
             | PayPal. All the risque stuff is behind the paywall. Home
             | page of the website gives no indication of what's within.
        
               | qingcharles wrote:
               | When I was running $1m+ through PayPal a year for my TV
               | torrent site they always wanted a working username and
               | password for the site because competitors would email
               | them claiming we were actually selling CSAM behind our
               | login. They wanted to know exactly what was going on
               | behind the wall. They also did not care in the least it
               | was a torrent site (!).
        
               | kevinmchugh wrote:
               | Given all the horror stories of locked PayPal accounts
               | your friend would be well served too transfer money out
               | of that account as frequently as possible.
        
         | lolinder wrote:
         | We're working in software, overhead is extraordinarily low. It
         | might be a bad model for a VC-funded startup, but there's
         | almost certainly enough demand to support a tiny bootstrapped
         | team.
        
           | makeitdouble wrote:
           | True, but I think parent still has a point.
           | 
           | It would work if your tiny team could attract an incredibly
           | huge number of creators who somewhat create a minimum volume
           | of transactions every months.
           | 
           | Otherwise you'd on the hook paying monthly fees for your
           | platform's hosting costs, and you can't properly negociate
           | processing fees as you have no idea of how much volume you'll
           | be processing montb to month (it's not even based on some
           | supply/demand cycle, you're stuck with when creators feel
           | like creating)
           | 
           | I've seen it from the otherside following a Youtube creator
           | on a pay per video plan, and there would be months going by
           | with no videos happening but messaging back and forth to keep
           | the community alive.
        
           | x0x0 wrote:
           | 5% margins are terrible if you're trying to bootstrap. 5%
           | margins with tons of payments are worse. If you have one CS
           | interaction with a patreon paying $1-$3 a month, you likely
           | just ate a decade's profit.
           | 
           | Businesses like these don't work without huge scale.
        
           | exizt88 wrote:
           | Yeah, but your customer acquisition cost becomes your
           | overhead. And it can easily take up 30-50% of your unit
           | economics. Anyone who's tried building SaaS for creators
           | knows that it's a very tough crowd to sell to.
        
         | chiefalchemist wrote:
         | Yes and no. It's similar - exact? - to the music industry or
         | Hollywood. *Lots* of frogs to kiss and an occasional unicorn.
         | 
         | The platforms would be wise to have reoccurring revenue from
         | the dreamers, and also backend points on the unicorns.
         | 
         | In general, in 2023+ the biggest problem seems to be signal to
         | noise ratio. There so much content being scattered about, it's
         | increasing more difficult to find quality. More and more
         | (personal) resources are lost to getting past the noise.
         | There's less time and energy left for the quality.
        
       | ramesh31 wrote:
       | Patreon (and all its competitors) at its core is a payments
       | company. You don't compete with them by building a better front
       | end product. You compete with them by building a more efficient
       | payments engine with a higher margin, not tied to any third
       | parties beyond a bank directly.
        
       | Razengan wrote:
       | By the way, regarding software, why isn't "donationware" more of
       | a thing?
       | 
       | i.e. release the base product at a low price (or for free) and
       | just give an option for users who really like it to donate you
       | whatever they want, however many times they want.
        
       | karaterobot wrote:
       | I don't know how common it is, but Patreon's biggest selling
       | point to me is that I already have an account there. If there was
       | a ton of competition, with creators I help support going to ten
       | different platforms, I don't think I would follow them--certainly
       | not all of them. I want as few companies as possible to have my
       | billing information, and (all else equal) I'd prefer if that
       | company had been around for a while. That's Patreon.
       | 
       | And the centralization works for creators, too. I have several
       | times discovered a creator on Patreon whose work I already
       | appreciated, but who had not done a good job of communicating
       | that they even had a Patreon, so I never knew about it. I only
       | found them by accident, and pledged money to them, just because I
       | was already on Patreon.
       | 
       | 5% + 5% is a lot (10% if my math is right), but I'm not sure
       | where artists get a better deal these days, at least on the
       | internet.
       | 
       | Further, the Patreon interface sucks for users, and I'm sure it
       | sucks even more for creators who have to engage with it more
       | frequently. But, not so bad that I, personally, am looking to
       | find another alternative.
        
       | zem wrote:
       | the section on "non quid pro quo" patronage perfectly sums up
       | what i want out of the site, to the extent that i never even log
       | in to look at "patrons-only" stuff. i pay to support artists who
       | are sharing things with the world, so that they can continue to
       | do so.
        
       | teekert wrote:
       | There are BTC lighting payments and the podcasting 2.0 movement
       | to compete with Patreon. Mostly for podcasts and music atm but
       | that will change.
        
         | olah_1 wrote:
         | The biggest proof to me that nobody uses Monero is that
         | something as simple as proving payments is like pulling teeth.
         | 
         | Yes, you can go into advanced settings and copy a payment
         | proof. But then how do you get it to a retailer? What does the
         | retailer do with it. It's not part of the normal consumer flow
         | use case, and that tells me that people still think of it like
         | a toy and not a serious tool.
        
           | teekert wrote:
           | Not sure what Monero has to do with it :)
           | 
           | But to your point of not being able to use btc normally, in
           | everyday life. Sure, but it's chicken and egg. If artists
           | start to make some serious satoshis, they will naturally look
           | for a nice place to exchange, it will come.
           | 
           | Meanwhile, I can now listen to a music podcast, stream
           | satoshis back, the satoshis are split between podcaster (DJ)
           | and artist. If I boost (send some extra satoshis) during the
           | playing of a song, it goes to that creator.
           | 
           | This is a nice example of such a podcast:
           | https://podverse.fm/podcast/toxrW9Ju1
        
             | olah_1 wrote:
             | > Not sure what Monero has to do with it :)
             | 
             | The comment just got me thinking of crypto currency in
             | general as an alternative. If someone had something to say
             | about Monero, they could see my comment and engage
        
           | sebzim4500 wrote:
           | Generally people use Monero just to hide the connection
           | between two wallets on BTC/ETH. Either for money laundering
           | or just privacy. I don't see why you'd need it here, where
           | you are purchasing something legal but unpopular with payment
           | processors.
        
             | olah_1 wrote:
             | Why would anyone want to avoid the panopticon if what they
             | are doing is legal? Leaving a trail of metadata on
             | everything you do is just not always desirable.
             | 
             | In terms of privacy, I don't see using Monero as different
             | from using Cash.
        
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