YouPay

What YouPay does

YouPay is a privacy-first gifting and wishlist platform founded in 2020 in Brisbane, Australia, that primarily serves adult content creators, sex workers, and other online personalities who face deplatforming or account freezes on mainstream wishlist and payment services. The platform enables creators to build public wishlists (youpay.me) from thousands of major retailers, with creator identity, email, and shipping address fully encrypted from the paying fan. Gifts take three forms: direct store purchases from 15,000+ Shopify partner merchants, digital gift cards via Prezzee, and cash gifts ('Wishes') routed through Stripe Connect in the US and Creatorflow (blockchain-based USDC payouts) internationally across 120+ countries. In June 2026, the company extended into link-in-bio with YouPay Bio, offering age verification, tipping, and wishlist integration for adult creators.

The technology stack is a multi-jurisdiction platform spanning three legal entities (YouPay Inc in Delaware, YouPay Pty Ltd in Queensland, YouP Ltd in Cyprus) with payment routing through Stripe Connect, Creatorflow, Apple Pay, Google Pay, Runa Pay-to-Card, Merchant Warrior, SwipeARAS, and Borderless. The platform also distributes via a Shopify App and native iOS/Android apps. YouPay's business model is freemium for creators (no fees to receive gifts) with transaction-based monetization via a Gifting Fee charged to payers on cash gifts and gift cards; partner store gifts remain fee-free for both parties. Distribution is primarily product-led growth through self-serve onboarding, a 10% lifetime referral commission program, and community-led engagement via Discord, social media, and adult-industry events such as XBIZ Miami. The company is founder-led by CEO Matt Holme, operates with 1-10 employees, and has raised approximately $2.35M across two funding rounds in 2021 from Brisbane Angels and Sprint Ventures, with no subsequent institutional capital disclosed.

Name

YouPay

Legal name

YouPay Inc

Website

https://youpay.co

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

YouPay is a privacy-first gifting and wishlist platform that serves primarily adult content creators, enabling anonymous fans to purchase gifts, gift cards, and send cash gifts across 120+ countries. The platform monetizes via transaction fees on cash gifts and offers a free link-in-bio tool for creators.

Ownership category

akta.pro rank

Product category

Creator Commerce Platform

NAICS

Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Creator Tipping, Donations & Micro-Payments (MPACAFAB)

akta.pro secondary industries

Digital Gift Cards, Vouchers & Stored-Value (Crypto) (FSADAIAN), Micropayments & Streaming Payments (Crypto) (FSADAIAM), Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), Fan Membership, Subscriptions & Patronage Platforms (MPACABAF), Rewards Marketplace & Redemption Platforms (Merchandise, Gift Cards, Experiences) (THALAKAC)

Keywords

• Creator gifting platform
• Anonymous wishlist service
• Creator payment processing
• Social commerce platform
• Digital gift cards

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Gifting Fees: YouPay charges a Gifting Fee to payers (not creators) for certain transactions including cash gifts and gift cards. Partner store gifts are fee-free for both parties. The fees cover transaction processing, security, and fraud prevention costs.
2. Premium Services (implied): While the core platform is free for creators, YouPay likely generates additional revenue through premium features, sponsored placements, or creator-focused services.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

YouPay is a privacy-first gifting platform that allows creators (with strong focus on adult content creators) to publish wishlists, share a unique profile link with fans, and receive gifts in three formats: direct store purchases from 15,000+ retailers, digital gift cards via Prezzee, and cash gifts via Stripe Connect (US) or blockchain-based Creatorflow (120+ countries). The platform anonymizes creator personal details from the payer, provides chargeback protection, and integrates into Shopify stores to enable social commerce and merchant-driven gift carts.

Product overview

YouPay is a gifting platform for creators consisting of a unified core product with multiple integrated modules. The main YouPay platform enables creators to create wishlists and receive gifts from fans anonymously. Core features include Wishlists for physical products and store gift cards, YouPay Bio for link-in-bio functionality with built-in age verification and tipping, and Creatorflow Cash Gifting for international instant payouts. Additional modules include the Referral Partner Program (offering 10% lifetime commissions), Creator Assets for brand resources, Partner Store integrations via Shopify and Prezzee, and Cash Gifts facilitated through Stripe Connect and Creatorflow. The platform specifically serves adult content creators with privacy-focused features, chargeback protection, and adult-industry inclusive policies.

Differentiator

Problem solved

Functional benefit

Brands

• YouPay Bio: A free link-in-bio page built specifically for adult content creators with age verification, tip button, social links, and gift wishlist integration.

Products and services

• YouPay Core Gifting Platform The main YouPay platform that enables creators to share wishlists with fans who can purchase items or send cash gifts. Supports anonymous gifting with privacy protection, gift cards from partner stores, and direct cash payouts. Free for creators with gifting fees charged to payers.
• YouPay Bio A free link-in-bio page built specifically for adult content creators featuring a prominent tip button, built-in age verification badge, social links, content site links, and wishlist integration all in one place.
• Creatorflow Cash Gifting International cash gifting feature enabling instant payouts to creators in 120+ countries. Processes payments via secure blockchain network converting to USDC, with withdrawal to regular bank accounts. Includes chargeback protection.
• Referral Partner Program Ambassador program rewarding high-influence creators for referring their network to YouPay. Referrers earn 10% lifetime commission on net revenue (gifting fees) from directly referred creators for as long as they remain active.

Quantifiable outcome

• Creators report 36-38% conversion rate from created YouPay carts to paid orders
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• PrezzeecoreTechnology or IntegrationDigital gift card platform partnership enabling YouPay to offer gift cards from a wider range of stores even if they don't offer direct integration. Prezzee handles gift card generation and delivery to creators.
• StripecoreTechnology or IntegrationPayment processing partner using Stripe Connect platform for cash gift payouts to creators in the USA. Handles fund transfers to creator bank accounts.
• CreatorflowcoreTechnology or IntegrationBlockchain-based payment processor for international cash gifting with instant payouts. Converts payments to USDC and enables withdrawals to bank accounts in 120+ countries.
• Pineapple SupportminorStrategic or Co-development PartnerMental health nonprofit partnership. YouPay sponsors the F🍍CK Being FINE podcast and has previously raised significant funds for the organization providing free mental health resources to adult performers.
• Shopify Stores (15,000+)coreChannel Partner/ Reseller/ DistributorPartnership with over 15,000 Shopify stores in the US enabling creators to purchase directly using their YouPay balance. Includes major brands like Alo Yoga, Frankie Bikinis, Glossier, and Fenty Beauty.
• Honey BirdetteminorChannel Partner/ Reseller/ DistributorPartner store with direct YouPay integration allowing direct delivery of products to creators' addresses.
• HellaHeelsminorChannel Partner/ Reseller/ DistributorPartner store for adult retail items with YouPay integration for direct shipping to creators.
• AnoesesminorChannel Partner/ Reseller/ DistributorPartner store for adult products with YouPay integration for direct delivery to creators.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Throne: Creator wishlist and gifting platform that enables fans to purchase gifts without exposing creator addresses. Closely mirrors YouPay's core wishlist + gift card proposition, although Throne focuses on mainstream creators rather than the adult-creator niche.
• Spring (formerly TIDAL Commerce): Creator commerce platform offering storefronts, tipping, and wishlist-style product selling directly to fans. Comparable business model to YouPay in monetizing creator–fan relationships through product sales and tips.
• Prezzee: Digital gift card marketplace platform. YouPay integrates Prezzee for non-integrated retailers, but Prezzee also offers wishlist-style gifting directly to consumers, overlapping with YouPay's gift card business.

Broad incumbents

• Linktree: Dominant link-in-bio platform used by creators, recently expanding into commerce, tipping, and brand partnerships. YouPay Bio competes head-to-head with Linktree's creator commerce features for the same persona.
• Patreon: Established creator monetization platform with memberships, tips, and commerce. Overlaps with YouPay on creator–fan financial flows, although it focuses on subscriptions rather than wishlist gifting.
• OnlyFans: Adult-friendly creator monetization platform with tips, pay-per-view, and direct messaging. Competes with YouPay in serving adult creators seeking privacy-protected payment rails.
• Cash App: Consumer peer-to-peer payment app with tipping features. Adult content is restricted, which is precisely the gap YouPay exploits, but Cash App is the default mainstream alternative for cash gifting.
• Venmo: Mainstream consumer P2P payment platform. Frequently cited by YouPay's target users as prohibiting adult content, making it a competitive 'substitute that doesn't work' for the same use case.
• Amazon Wishlist: The mainstream incumbent that YouPay explicitly positions against — useful for comparison on wishlist scale, but does not serve the privacy/anonymity or adult-creator needs that drive YouPay's differentiation.

Emerging players

• Ko-fi: Creator tipping and membership platform offering donations, shop, and commissions. Comparable on the tipping/donations side of YouPay's creator monetization stack, particularly for independent creators.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/youpay_official
• Instagraminstagram.com/youpay.official
• TikToktiktok.com/@lifewithyoupay

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about YouPay