Drilldown: tool
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Free account, no monthly fee on the entry (Standard) tier; pay-as-you-go
per-transaction (roughly 1% with a per-payment cap -- verify current rates). US ACH is
capped at $5,000 per transaction; $5 per chargeback above 15 in a month. (1) ·
Free, no ads, no paid tiers. Run by the Signal Foundation, a US 501(c)(3) nonprofit
funded by grants and donations; by charter it cannot be acquired. (1) ·
Platform fee 8-12% of earnings by tier (Lite/Pro/Premium), plus roughly 2.9-5%
payment processing; fee structure was revised in a September 2024 policy overhaul (1)
None (1) ·
End-to-end encrypted 1:1 and group messaging, plus voice/video calls, built on
the audited Signal Protocol (Double Ratchet + X3DH). ~40M monthly users. Registration
requires a phone number; usernames (added 2024) let you start chats without sharing it. (1) ·
Subscription-based membership platform for ongoing monthly support -- better
suited to sustained operational funding than one-off campaigns. No nonprofit registration or
business entity is required to sign up; the org registers and operates like an individual
creator account. (1)
None (1) ·
For deplatform resistance, see [[BTCPay Server]] (the
only self-hostable option). The broader case against card gateways is covered on the
Finance&Accounting category page. (1) ·
WhatsApp (uses the Signal protocol but is Meta-owned and harvests
metadata) and Telegram (chats are not end-to-end encrypted by default, weaker crypto). (1)
Showing below up to 3 results in range #1 to #3.


