Kiwify is a complete platform for digital product creators: ready-made checkout, membership area, affiliates, anti-fraud — everything packaged as a SaaS with flat fees ranging from 2.49% + R$2.49 to around 9%. It works great until you scale. Then the pain starts: non-negotiable fees even when you hit seven figures in monthly revenue, limited checkout flexibility, and full dependency on a single provider. This BSPay vs Kiwify comparison shows when migration is worth it, how much you save, and what you gain or lose.
Kiwify is an all-in-one digital product sales platform. It charges a per-transaction fee plus packages the entire stack (checkout, members area, affiliates, anti-fraud). The focus is simplicity for creators who don’t want a technical stack.
BSPay is a payment gateway and orchestrator — both on the same platform. It charges per transaction, but you bring your own sales platform (your own checkout, your own members area, etc.). The focus is flexibility, fee negotiation, and scale.
In short: Kiwify is “everything ready, flat fee”. BSPay is “payment layer — you build the rest and pay less at volume”. Starting with Kiwify makes sense; scaling with BSPay also does.
| Criteria | BSPay | Kiwify |
|---|---|---|
| PIX fee | From 2.99% negotiable (down to 0.99% at high volume) | ~3.99% flat |
| Card fee (one-time) | From 3.49% negotiable | 4.99% flat |
| Boleto fee | R$1.99 per paid boleto | R$2.49 + ~9% |
| Volume-based negotiation | Yes, above R$300k/month | No (same fee for everyone) |
| Withdrawal fee | Zero (PIX withdrawals) | R$2.99 per withdrawal |
| Settlement time | D+0 from R$100k/month | D+2 standard; early settlement costs extra |
| Members area | Plug into your own (Hotmart, Memberstack, custom) | Included (basic) |
| Checkout | API for your own checkout | Built-in checkout (limited customization) |
| Multi-acquirer / orchestration | Yes, native | No |
| Payment split | Up to 20 beneficiaries, no extra fee | Yes, but extra fee |
| Support | Dedicated 24/7 WhatsApp | Help center + tickets |
| Average card approval rate | 88-93% with smart retry | 78-85% (single acquirer) |
| LATAM methods | SPEI, PSE, Khipu native | Not supported |
| Crypto (USDT/USDC) | Native in the same API | Not supported |
Simulation for a digital product creator billing R$800k/month (60% PIX, 30% card, 10% boleto):
| Method | Volume | Kiwify | BSPay (negotiated) | Savings |
|---|---|---|---|---|
| PIX | R$480k | R$19,152 (3.99%) | R$9,600 (2.0%) | R$9,552 |
| Card | R$240k | R$11,976 (4.99%) | R$7,200 (3.0%) | R$4,776 |
| Boleto | R$80k | R$7,200 (~9%) | R$160 (R$1.99 x 80) | R$7,040 |
| Total | R$800k | R$38,328 | R$16,960 | R$21,368/month |
R$21k/month saved = R$256k/year. Rebuilding the checkout plus API integration during migration typically costs R$15-40k one-off. ROI in 1-2 months.
For a mature creator above R$500k/month, these trade-offs are more than offset by the savings and the added control. For someone at R$100k/month, probably not yet.
BSPay positions itself as the payment layer for creators who have scaled: negotiated fees, multi-acquirer routing, native split, D+0 settlement by default, dedicated technical support. You keep your current sales platform (or build your own) and we process payments with competitive fees and optimized conversion. More than 30,000 active companies run on the platform today.
Our implementation team handles the migration from Kiwify (or any other provider) preserving: checkout URLs (so your paid campaigns don’t break), delivery webhooks for course access, and relationships with active affiliates. Zero downtime, zero lost sales during cutover. See the full feature set on the home or talk to a specialist.
Yes. Many creators run Kiwify for legacy products while testing BSPay on new launches. After validating conversion and approval rate, they migrate everything. There’s no technical conflict running both in parallel.
The tracking history (who referred whom, commissions paid) stays inside Kiwify. You export the list of active affiliates to BSPay and reactivate them under new rules. In-flight commissions keep paying through Kiwify until they clear. Typical transition window to zero overlap: around 30 days.
Not directly — BSPay is the payment layer. You integrate it with any members platform (Hotmart, Memberstack, Thinkific, Kajabi, Circle, LearnDash) via delivery webhook. Once a payment is approved in BSPay, the membership system automatically grants access.
In digital products, Kiwify typically lands between 78-85% (single acquirer). BSPay with multi-acquirer orchestration and smart retry lands between 88-93%. An 8-10 percentage-point lift on R$500k/month in revenue equals an extra R$40-50k/month recovered.
Technical integration: 2-5 days with a dedicated team. Full operational migration (reactivate affiliates, redirect campaigns, validate delivery): 2-3 weeks. Our team runs the cutover in a controlled window with a rollback plan if anything goes wrong.
BSPay processes any order bump or upsell flow you implement in your checkout. It doesn’t ship with a ready-made UI (like Kiwify does), but the API is flexible enough to support any upsell, downsell, or custom bump logic your product requires.
Yes — and this is one of the strongest reasons to migrate. Kiwify is built around the Brazilian market. BSPay natively supports LATAM rails (SPEI, PSE, Khipu) and crypto (USDT, USDC) in the same API, which expands your reach well beyond Brazil without adding more integrations.
