Compare
Kreevo vs Instagram Exclusive vs the rest.
Three ways your fans can pay you. One of them is built for India — UPI in, INR out, GST automated. The other two cost you 13–30% before the money reaches your bank.
Kreevo
UPI · INR · India-first
Instagram Exclusive
Subscriptions in-app
Other apps
Patreon · Substack · Fanfix · OF
Payment rail
UPI native
UPI, card, netbanking, wallet via Razorpay
Apple / Google IAP
30% App Store / Play Store cut
Card-first
Patreon, Substack, Fanfix run on Stripe USD
INR settlement
Direct INR to bank
Razorpay Route, atomic split per payment
Routed via Meta
USD-converted, monthly cycle
USD, then FX
2–4% FX spread via Payoneer / PayPal
Platform fee
8% / 3% / 1%
Free, Growth ₹999, Pro ₹2,499
0% + 30% IAP
Apple / Google take 30% (15% year 2)
10–20%
Patreon 10%, Substack 10%, Fanfix 20%
Payout speed
~2 business days
Settled per payment via Razorpay Route
Monthly
$25 minimum, 30–60 day cycle
5–30 days
Payoneer / PayPal / Stripe cycle
GST invoices
Auto, per payment
Emailed to fan, stored in dashboard
Not generated
App Store receipt only
Manual
Creator reconciles outside the platform
Section 194O TDS
Tracked
0.1% deducted by Razorpay, shown in dashboard
Self-file
Meta does not handle Indian tax
Self-file
Foreign platforms — creator handles it
Content model
Pure paid feed
Images, video, audio, files — every post gated
Stories & Reels only
No PDFs, long-form video or audio
Mixed
Tips, PPV, courses, calls — not feed-shaped
Audience ownership
Creator owns the list
Export email & UPI handle anytime
Meta owns it
Ban or shadowban wipes everything
Partial export
Email export varies by platform
Discoverability
None
Bring your own audience — no directory
2B+ users
Algorithm-mediated reach
Some
Patreon Explore, Substack Network
Mobile UX
Web-only (v1)
Native apps planned
Native app
First-class iOS & Android
App + web
Patreon, Substack, Fanfix all native
India availability
Built India-first
No friction, no FX, no IAP tax
Gradual rollout
Eligibility-gated for select creators
Patchy
USD-first, RBI auto-debit failures common
The real cost
Instagram's “0% fee” is a trap.
It's in-app purchase only — so Apple or Google take 30% first. That's the real comparison.
| Cost component | Kreevo Free | Kreevo Growth | Kreevo Pro | Instagram Subs |
|---|---|---|---|---|
| Platform fee | 8% | 3% | 1% | 0% |
| Gateway | ~2% | ~2% | ~2% | — |
| GST on fee | 1.44% | 0.54% | 0.18% | — |
| Apple / Google cut | — | — | — | 30% |
| All-in | ~11.4% | ~5.5% | ~3.2% | ~30% |
Even Kreevo's Free plan at ~11.4% all-in is less than halfof Instagram's effective take. That's your headline number in any comparison.
Breakeven math
Do the plans make sense?
Growth (₹999) vs Free (8%)
Growth pays off at ₹20k/month
5% × GMV = ₹999 → ₹20k GMV
A creator doing ₹30k/month saves ₹1,500/month on Growth. At ₹1L/month they save ₹4,000. The math is honest and easy to communicate.
Pro (₹2,499) vs Growth (3%)
Pro pays off at ₹75k/month
2% × GMV = ₹1,500 → ₹75k GMV
A creator doing ₹1L/month saves ₹500 over Growth. At ₹5L/month they save ₹9,500. Pro is for high-volume creators who care about every percentage point.
UPI in. INR out. In your bank in ~2 days.
Auto-GST invoice on every payment.
1% platform fee on Pro — keep 99% of what fans pay.
Your handle. Your fan list. Not Meta's algorithm.
What creators are saying
The friction is real — and it's documented.
“If you are an India based writer on Substack and decide to monetize, you cannot accept payment in any other currency apart from Indian Rupees. I had to reduce my annual plan from 6k to 5k.”
“Patreon increases the price of the membership tier shown to iOS users by approximately 43 percent… Patreon imposes a 75-day pending period on funds originating from iOS.”
“My payout was promised within 7 days, but it has now been over 30 days and I still haven't received my money. My account has been blocked, falsely claiming 'high-risk activity.'”
Built India-first. Get paid in INR.
Launch your page in under a minute. No setup fees. No FX. No 30% IAP tax. Just UPI, INR, and your bank.
Create your page