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হবে নাকি Coffee? vs Substack

Substack is built for newsletters delivered by email. হবে নাকি Coffee? is built for creators in Bangladesh who want readers to pay in taka for posts and memberships, alongside coffee gifts and a shop.

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Facts checked on 16 September 2026View sources

Key differences

  • How supporters pay

    হবে নাকি Coffee?
    bKash, Nagad or card, all in taka
    Substack:
    Card and other methods through Stripe

  • How you get paid

    হবে নাকি Coffee?
    Withdraw to bKash, Nagad, Rocket or your bank
    Substack:
    Paid subscriptions need a Stripe account in a country Stripe supports

  • Platform fee

    হবে নাকি Coffee?
    3.5% on every service today
    Substack:
    10% of paid subscriptions, plus Stripe fees

Side by side

Fees, payments and features, taken from each company's own pages.

Fees

  • Platform fee

    হবে নাকি Coffee?
    3.5%On every service today
    Substack
    10%Of each paid-subscription payment. Free publishing costs nothing.

  • Other charges

    হবে নাকি Coffee?
    Withdrawal and tax details are on our Pricing page
    Substack
    Stripe fees, which depend on your Stripe account's country. Substack's US example: 2.9% + US$0.30 per card payment, plus 0.7% on recurring billing.

Payments & payouts

  • Supporters pay with

    হবে নাকি Coffee?
    Available: bKash, Nagad or card (SSLCommerz), in taka
    Substack
    Card and other methods through Stripe, Substack's only payment provider

  • You get paid to

    হবে নাকি Coffee?
    Available: bKash, Nagad, Rocket or a bank account
    Substack
    Your own Stripe account, in a country Stripe supports

  • Payout timing

    হবে নাকি Coffee?
    Reviewed, then sent to your account. Minimum ৳500, after ID verification
    Substack
    Set by Stripe's payout terms for your account

Ways to earn

  • Memberships

    হবে নাকি Coffee?
    Available: Monthly, yearly or lifetime
    Substack
    Available: Paid subscriptions, including a higher founding plan

  • Posts

    হবে নাকি Coffee?
    Available: Public, members-only or pay-per-post
    Substack
    Free or for paid subscribers; buying a single post isn't listed

  • One-time support

    হবে নাকি Coffee?
    Available: Coffee gifts with a message; supporters don't need an account
    Substack
    Not listedNot on the pages we checked

  • Digital products

    হবে নাকি Coffee?
    Available: Secure download links that expire
    Substack
    Not listedNot on the pages we checked

  • Physical products

    হবে নাকি Coffee?
    Available: Variants, stock and delivery zones
    Substack
    Not listedNot on the pages we checked

  • Cash on delivery

    হবে নাকি Coffee?
    Available: For physical products
    Substack
    Not listedNot on the pages we checked

Reach & language

  • Email posts to supporters

    হবে নাকি Coffee?
    Coming soonPosts live on your profile and RSS feed for now
    Substack
    Available: Every post can go straight to subscribers' inboxes

  • Video hosting & livestreaming

    হবে নাকি Coffee?
    Not listedWe don't offer this today
    Substack
    Available: Video posts

  • Community chats

    হবে নাকি Coffee?
    Not listedWe don't offer this today
    Substack
    Available: Chat, which you can paywall

  • Interface language

    হবে নাকি Coffee?
    Available: Bangla and English, with Bangla by default
    Substack
    Localised into some languages; you can write in any language

To be fair: fees aren't the whole story. Substack takes 10% only when you charge, and free publishing costs nothing, while our planned standard rates are 5–10% by service. For writers in Bangladesh, the bigger difference is how readers pay and where the money lands.

Fees as published by each company on 16 September 2026. Processing, payout, currency and tax charges may apply separately and can change.

More than a tip jar

One platform for your whole creator business

Support is where it starts. Sell, run memberships and publish from the same profile, with more services for Bangladeshi creators on the way.

Coming soon

30+services on the way

We're building the tools creators in Bangladesh keep asking for, one service at a time.

  • Hire me/us
  • 1-on-1 consulting
  • Giveaways
  • School
  • Podcasts
  • Flashcards

Need something specific?

Request a custom service and we can build it for you.

Request a service

How money reaches you

Anyone can start a free Substack. To turn on paid subscriptions, Substack says you need a Stripe account in a country Stripe supports, because Stripe is its only payment provider.

হবে নাকি Coffee?

  1. Reader

    Pays in taka with bKash, Nagad or card

  2. হবে নাকি Coffee?

    Adds it to your balance, in taka

  3. You

    Withdraw to bKash, Nagad, Rocket or bank

Substack

  1. Reader

    Pays by card or another Stripe method

  2. Substack

    Takes 10% of each paid subscription

  3. Your Stripe account

    Must be in a country Stripe supports; Stripe's own fees apply

  4. Your bank

    On Stripe's payout terms

Stripe's fees depend on where your Stripe account is registered. Check Stripe's list of supported countries before you plan a paid Substack.

Which one fits you?

Pick হবে নাকি Coffee? if

  • You want readers in Bangladesh to pay in taka with bKash, Nagad or a card
  • You want to sell single posts, or let members read them free while others buy
  • You also want coffee gifts or a shop, digital or physical, on the same profile
  • You and your readers would rather use Bangla

Substack may suit you if

  • Email delivery to your subscribers' inboxes is essential to you today
  • You want to grow inside Substack's own apps, Notes and Chat
  • You already have a Stripe account in a supported country
  • You publish video posts and want them in the same subscription

Switching from Substack

Move at your own pace. You don't need to close your Substack page first.

  1. Create your page

    Sign up with your email and set up your profile.

  2. Recreate your offers

    Paid subscriptions become membership plans, and paid posts can be members-only, pay-per-post, or both. Republish the posts you want on your profile.

  3. Export your subscriber list

    Export your subscribers as a CSV from Substack's Subscribers page; names aren't included. Only email people who agreed to hear from you. Email delivery here is coming soon, so until then, share your new page in a final Substack post and on your socials.

  4. Tell your audience

    Share your new link on Substack, your socials and your bio.

  5. Keep Substack running a while

    Paid subscribers stay billed through Stripe until they cancel, so don't cancel their subscriptions for them. Keep your Substack publication online so old links keep working.

  6. Set up withdrawals

    Verify your ID and add bKash, Nagad, Rocket or a bank account.

Good to know

We don't import supporters, members or orders from other platforms. Your supporters join you by choice, and we're happy to help you set things up.

Contact us
FAQ

Questions creators ask

If your readers are in Bangladesh and you want them to pay in taka with bKash, Nagad or a card, হবে নাকি Coffee? is built for that. You can sell single posts or memberships, and add coffee gifts and a shop to the same profile. If email delivery is essential for you today, Substack is purpose-built for it; ours is coming soon.

Sources

Substack Support Center

Checked on 16 September 2026 against each company's own help and pricing pages. Rules change, so check before you decide.

Substack is a trademark of its owner. হবে নাকি Coffee? isn't affiliated with or endorsed by them. Spotted something outdated? Let us know

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  • One universal current rate3.5% flat platform fee for every creator
  • Start completely free৳0 upfront, no card, no paperwork
  • Get paid in BDTSettle straight to bKash, Nagad, or bank

Current universal rate · 3.5% flat fee