SSL securedNewsletter Tool vs Business Platform
Substack is "free" — until you do the math.
Substack has no monthly fee. Sounds great. But they take 10% of your subscriber revenue, forever. At €5,000/mo in revenue, that’s €500/mo going to Substack. PayFacile charges a flat €24–48/mo + just 1% per transaction (0.5% on Enterprise).
With Substack, the more you earn, the more you pay. With PayFacile, your cost stays flat.
More than a newsletter. A complete business platform.
Automatic Invoicing & VAT
Compliant invoices, automatic retries (dunning), VAT handling. Substack provides no invoicing and does not handle European VAT.
SEPA & Direct Debit
Accept SEPA direct debit via GoCardless — the preferred payment method for many Europeans. Substack only supports credit cards via Stripe.
Built-in Website & Store
Create a full website with drag-and-drop editor, custom domain, white label. Sell subscriptions, courses, digital products — not just newsletters.
Full Customer Portal
Your subscribers manage their own subscription, invoices, and payment method. Substack offers only basic subscriber settings.
GDPR Compliant, EU Data
Your data is stored in the EU. PayFacile is GDPR compliant by design. Substack is US-based with US data hosting.
Workflows & Automations
Trigger automatic actions: welcome emails, payment reminders, segmentation. No third-party tools needed.
Substack is great — for writers who want built-in readers
If you’re a writer or journalist, and audience discovery through the Substack network matters to you, Substack is a strong choice. Their recommendation engine can help you grow from zero.
But if you’re a coach, trainer, entrepreneur, or creator selling more than newsletters — and you want to keep 100% of your revenue, handle VAT, accept SEPA, and own your brand — PayFacile is built for you.
Frequently asked questions
Substack has no monthly fee, but takes 10% of all paid subscriber revenue (plus Stripe’s processing fees). The more you earn, the more you pay. PayFacile charges a flat €24–48/mo + a low 1% transaction fee (0.5% on Enterprise).
Yes. PayFacile supports subscriptions, one-time sales, courses, digital files, memberships, and gated content. Substack is limited to paid newsletters.
No. PayFacile does not have a built-in recommendation network. You bring your own audience via social media, SEO, or ads. The trade-off: you keep 100% of your revenue and own your subscriber relationships.
Yes. You can export your subscriber list from Substack and import it into PayFacile. Contact us for assisted migration.
No. Substack does not generate invoices and does not handle European VAT. PayFacile provides automatic compliant invoicing with VAT handling.
Stop giving away 10% of your revenue.
Flat monthly fee. Low 1% transaction fee. Invoicing, SEPA, customer portal — all included.
No credit card. No lock-in. Cancel anytime.
