Failed project accountability gaps, platform fee stacking, and creator payout delays. I analyze the terms that affect both backers and creators on crowdfunding platforms.
Side-by-side comparison of consumer fairness scores across major crowdfunding platforms.
| Platform | Score | Grade | Key Gotcha | |
|---|---|---|---|---|
|
K
Ko-fi
Best in Category
|
65 | B- | Lower fees, simpler terms | View Review → |
|
P
Patreon
|
58 | C+ | Creator-friendly but fee changes | View Review → |
|
K
Kickstarter
|
52 | C | All-or-nothing, limited backer recourse | View Review → |
|
G
GoFundMe
Lowest in Category
|
45 | C- | Personal campaigns, fee confusion | View Review → |
Kickstarter and similar platforms make clear that backing a project is not a purchase. Creators are not legally obligated to deliver, leaving backers with limited recourse.
Most platforms charge both a platform fee (5-12%) plus payment processing fees (2.9% + $0.30), which can eat significantly into funds raised.
Platforms often hold funds for extended periods before releasing to creators. Some implement rolling reserves or hold funds for identity verification.
Content guidelines are vaguely written and enforced inconsistently. Creators risk sudden campaign suspension with limited appeal options.
Click through for complete analysis of each platform's terms of service.
If you've had campaigns suspended, funds withheld, or are dealing with disputes with backers or platforms, we have resources to help you understand your rights.
Need help understanding your rights or resolving a platform dispute?