{"slug":"substack","name":"Substack","category":"creator","workerTerm":"writers (also called creators)","classification":"Under Substack's Terms of Use, writers are not employees, agents, partners or joint venturers of Substack. They get paid through their own connected Stripe account.","taxForms":"Substack says Stripe, not Substack, issues writers' 1099 tax forms, which they download from their Stripe dashboard, and the amount reflects total gross volume. Stripe issues Form 1099-K to eligible US accounts with more than $20,000 in gross volume and more than 200 transactions, and some states set lower thresholds.","platformFees":"Substack keeps 10% of each subscription payment. Stripe charges 2.9% + $0.30 per US card payment plus a 0.7% Billing fee on recurring payments, and an optional custom domain costs $50 one time.","payouts":"Web subscription payments usually reach the writer's bank through Stripe within 48 hours, on a daily or weekly schedule; the first payout takes 7-14 days. Apple pays App Store subscriptions to Substack up to 45 days after the end of each month, and Substack then deposits them to the writer's Stripe account.","deductions":["Substack's 10% fee (shown in Stripe as 'application fees')","Stripe card processing and Billing fees","Apple's service fee on iOS in-app subscriptions","Refunds and disputed charges included in Stripe's gross volume","Custom domain ($50) plus any virtual mailbox or business phone number used for privacy","Podcast, video and research tools, equipment or subscriptions used for the publication"],"watchOuts":["Stripe's 1099 shows total gross volume, including refunds, disputes, Stripe fees and Substack fees. Subtract these to get your net income.","Starting December 1, 2026, Substack calculates, collects and remits sales tax or VAT on paid subscriptions. Until then, creators hold responsibility for sales tax compliance.","If you use one Stripe account for Substack and other businesses, all of that income lands on the same 1099. Substack recommends a separate Stripe account.","App Store subscription revenue reaches Stripe up to 45 days after month end, so late-year in-app sales can show up in the next year's Stripe records."],"competitors":["beehiiv","ghost","patreon","medium","kit"],"notes":"Corrected: Substack's tax article says only '1099 form'; the 1099-K type is now attributed to Stripe's own 1099-K page. Added the Apple in-app service fee. Fees (10%, 2.9% + $0.30, 0.7%, $50 domain), payout timing and the December 1, 2026 tax change confirmed; Terms of Use last updated October 6, 2026.","sources":["https://substack.com/tos","https://support.substack.com/hc/en-us/articles/360037607131-How-much-does-Substack-cost","https://support.substack.com/hc/en-us/articles/360037463492-How-do-I-file-taxes-on-the-money-I-ve-made-on-Substack","https://support.substack.com/hc/en-us/articles/4405482746132-How-do-I-set-up-my-Stripe-account-on-Substack-to-start-receiving-payments","https://support.substack.com/hc/en-us/articles/53351588701588-Upcoming-changes-to-tax-on-Substack","https://support.stripe.com/questions/1099-k-tax-forms","https://support.stripe.com/questions/whats-new-for-the-2026-tax-season","https://docs.stripe.com/connect/1099-k"],"asOf":"2026-10-07","url":"https://gigaverse.ai/platforms/substack","affiliated":false}