Charge per-transaction, not per pledge!
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Patreon's new service change harms creators and discourages consumers from supporting every creative they love.
It also massively harms the very concept of per-post pledges -- Previously, a creator who supported $1 per-post pledges and made 10 posts a month would get $9.5 per month from a patron's $10. But under the new regime, sure, if the patron doesn't change their pledge, they'll get $10, but the patron's now paying 13.79! Whereas the creator who doesn't make pledges post-based, but instead just made 10 posts a month and offered a $10/month level for all the posts? Is still making $10/month, but their patrons are only charged 10.64 per month!
Moreover, it's unfair. Patreon, which charges per month, is doing the same work -- getting dinged the same amount by credit card companies -- from a patron who is paying 1 creator $100 in one chunk per month as they are from a patron who is paying 100 creators $1 each per month. And yet, they have the temerity to demand a huge increase in fees from the latter than the former? Who does this help? Not Patreon, which is likely to see a massive egress to fairer crowdfunding platforms. Not the patrons, who get charged more. Not the creators, who see their best and most incentive-building funding tool becoming a second-class citizen.
Make the fees external -- we -want- to support the creators, and knowing that a $1 pledge means they get $1 is all to the good; we have control over our pledges and can manage if fees fluctuate. Charge a per credit card transaction if you need to; that should be $.35 per -patron- per month, not per pledge. Hell, charge a per creator check fee if you need to, to cover the costs of wiring money out or writing checks, as long as it's a reasonable charge and again, per transaction, not per microtransaction. But don't charge us a per micro-transaction fee; that is missing the entire point of microtransactions, and forcing us all to go somewhere more accomodating.
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