Use cases
20 real setups, each one something you could build this afternoon. Find the one that sounds like you — it takes about forty seconds.
Every setup below is assembled from things the product does today — no roadmap, no “coming soon”.
Showing 20 use cases.
Writers, designers, photographers, producers, tutors
You watch your bank app, confirm the payment, then send the file by hand — and you do it again at 1am.
Course creators, coaches, workshop leaders
The upsell is a second conversation, a second link, and usually a lost sale.
Producers, type designers, stock shooters
Basic and exclusive buyers need different files and different prices, and email is doing the filing.
Freelancers, agencies, contractors, VAs
'Send me your account details' turns into a screenshot, a wrong digit, and a week of chasing.
Consultants, editors, session musicians
Open-ended work doesn't have a price until it's finished, but you still need a way to take the money.
Salons, barbers, photographers, MUAs, dentists, MCs, DJs
The slot is held, the client doesn't come, and the afternoon is gone.
Coaches, tutors, therapists, trainers
The extras get discussed after the session, when nobody wants to talk about money.
Event organisers, promoters, conference teams
The early price is a promise you have to police by hand, and someone always pays it a week late.
Gate staff, venue managers, class instructors
A list on a phone, a screenshot of a payment, and no way to tell a real receipt from a forwarded one.
Instructors, studios, bootcamps
You can seat twelve, and you've sold nineteen.
Conferences, festivals, church and community events
Tiers and t-shirts are two systems and one reconciliation headache.
Instagram, WhatsApp and TikTok sellers
The sale happens in a chat, and the chat is where it dies.
Cafés, kitchens, caterers, delivery cooks
Orders arrive as a paragraph of text and get added up wrong.
Thrift sellers, small labels, makers
You're awake at midnight flipping a link on, and awake again to turn it off when stock is gone.
Anyone with eight things to sell and one link in their bio
You have a folder of payment links and nowhere to send someone who just says 'what do you have?'
Community owners, newsletter writers, signal channels
Collecting monthly from ninety people is a full-time job nobody is paying you for.
Agencies, B2B service providers, software resellers
Every month starts with writing the same invoice again.
Families, churches, mosques, schools, community organisers
Contributions arrive across four channels and someone has to reconcile them in a notebook.
Musicians, streamers, comedians, writers, buskers
Your audience wants to send something and has no way to do it.
Engineering teams, SaaS operators, agencies with a portal
Your product needs to bill, and you don't want to build a payment integration to do it.
A cousin in Toronto, a client in Dubai, a follower in London. They want to pay you and the usual answer is an account number that means nothing where they live. Whatever you sell from the list above, this is the part that changes.
None of it is required. Most links use three or four of these and nothing else.
Four things it genuinely isn't for. If you're one of them, better you find out here than three weeks in.
Money splits the instant a payment is authorised and there is no held balance sitting behind it — so there is no escrow to arbitrate a dispute from. If your buyer needs protecting against a seller they've never met, this is the wrong shape of tool.
There's no cart across products, no variants, no shipping rates, no order pipeline. The shopfront is a good page to send someone to. It is not a replacement for a real store, and we'd rather say so now than after you've moved your catalogue.
Refunds work and appear as their own line rather than being quietly subtracted from your earnings — but they're reflected from the payment network after the fact, because the money already left. Perfectly workable; just plan for it if reversals are your normal flow.
Betting top-ups, forex and crypto, 'investment' offers, adult content. Acquiring partners flag these hard, and one of them can put an entire account at risk — including everyone else's.
The through-line: f8pay works wherever the trust already exists — creator and fan, freelancer and client, coach and student, seller and repeat customer — and the only real problem left is collecting the money. It is not built to manufacture trust between strangers.
Every payment splits at the moment it's authorised: your share goes to your own account, our commission routes at the same time. There is no f8pay balance, and no withdraw button, because your money is already on its way before your dashboard finishes loading.
That's the design, not a missing feature.
Your money page answers three questions separately: what has reached your bank, what is still clearing, and what all of it has earned you. It deliberately refuses to blend them into one “available balance”.
The honest reconciliation needs a processing fee we're never told — so rather than invent that number, each figure is labelled with where it came from.
You take money from day one. Identity documents are asked for only once your settled volume passes a threshold:
It's a ceiling you grow into, not a form before your first sale — and it covers sole traders, not just registered companies.
No monthly fee, no setup fee, no card to add. You choose per link whether you absorb the commission or the buyer covers it — useful when a service fee is normal on a ticket but would look strange on a product price. There is a processing fee from the payment network on top of ours; that one isn't set by us.
No. One link, one price, and you're done in a couple of minutes. Everything else on this page is optional — tiers, files, check-in, the shopfront. Most people start with a single link and never need the rest.
No. They open the link, pay, and get a receipt at a permanent URL they can keep. Nothing to download, nothing to sign up for, no app.
Yes. You can trade from the day you arrive. Identity verification is asked for once your settled volume crosses a threshold — it's a ceiling you grow into, not a form you fill in before your first sale. It covers sole traders and individuals, not only registered companies.
Yes. A link can be priced in one currency and settle in another — the conversion happens when the payment is authorised. If a reliable rate can't be resolved at that moment the payment is refused rather than guessed, because a wrong rate is a wrong charge.
Yes. Every link has a printable QR poster with your own caption on it — 'Scan to order', 'Scan to donate' — so the link you paste in a DM is the same one taped to your counter.
Links stay editable after they're live, including repricing one into a different currency at the current rate. Anything already paid keeps its own receipt exactly as it was sold.
Tell us what you sell and how you sell it. We'll tell you straight whether f8pay fits — including when the answer is no.
No card required · No monthly fee · Your buyers never sign up
