Creator Platform Fees in India Compared (2026): Topmate vs SuperProfile vs Instamojo vs Graphy vs Peerseek

Indian creator platforms charge very differently, and the gap is bigger than most creators realise. Topmate takes about 12.9% per sale, Graphy stacks a revenue share on top of a subscription and a one-time onboarding fee, SuperProfile ranges from 10% down to 5%, Instamojo charges 5% on digital goods, and Peerseek keeps it to a flat 5% with no platform fee and no subscription. Here is the full 2026 breakdown so you can compare all-in cost, not just the sticker rate.

Key takeaways

• Simplest low cost for most creators: Peerseek at a flat 5%, with no platform fee, no monthly plan, and no onboarding charge.
• Highest headline cut: Topmate at about 12.9% on domestic sales, rising to 15 to 18% on international payments.
• The hidden one: Graphy's India plan adds a 19,999 rupee one-time onboarding fee on top of a monthly subscription and a 10% revenue share.
• Free is rarely free: SuperProfile's free Starter plan still takes 10%. Dropping to 5% means paying 11,999 rupees a year for Premium.
• Watch two lines: most platforms add 18% GST on their fee, and payment-gateway charges can apply on top of any platform's cut. Compare all-in, not the sticker rate.

Transparency note: Peerseek is our platform. The fees below are taken from each provider's public pricing pages and pricing coverage as of July 2026. Rates change, so always confirm on the live pricing page before you decide.

The full fee comparison (2026)

Sources: Topmate fee via eximpe and ownstreet coverage; SuperProfile tiers via creatorlanehq and SuperProfile's pricing page; Instamojo via its own help center; Graphy India pricing via Ruzuku and SchoolMaker; Peerseek via peerseek.io. Verified July 2026.

What each platform actually costs (the honest version)

Topmate: simplest to start, most expensive to stay

Topmate charges no subscription, just a 10% platform fee plus about 2.9% payment processing, so roughly 12.9% on domestic Indian sales. Take an international payment and you are looking at 15 to 18% once currency conversion and cross-border fees land. It is a clean product and a fine place to launch. But if you sell at any real volume, that cut becomes the single biggest line item eating your earnings. If you are already feeling it, it is worth comparing Topmate alternatives in India.

Who it is for: creators testing the waters who value simplicity over margin.

SuperProfile: free that costs 10 percent

SuperProfile is a genuine India-first player with a large creator base. The catch most people miss: the free Starter plan still takes 10% on every sale. To drop to 5% you pay about 11,999 rupees a year for the Premium plan, and the Pro plan (around 49,999 rupees a year) moves to a customizable fee. So the real question is not is it free but at my sales volume, does the yearly plan pay for itself. For many small creators, it does not.

Who it is for: established creators doing enough volume that a paid tier's lower rate beats the free tier's 10%.

Instamojo: fine for payments, built for stores not creators

Instamojo has no setup or maintenance fee and charges 2% + 3 rupees on regular payments, but 5% + 3 rupees on digital goods, with 18% GST added on the fee. It is a solid payment and store tool. It is not built around the creator monetization flow (1:1 sessions, webinars, cohorts) the way a creator-first platform is, so you end up stitching tools together.

Who it is for: sellers who mainly need a checkout and store, not a creator toolkit.

Graphy: powerful LMS, punishing India pricing

Graphy (formerly Spayee) is a capable course platform, but its India pricing is harsh: monthly plans from 1,999 to 8,400 rupees, a 10% revenue share plus GST on every transaction, and a one-time 19,999 rupee onboarding fee. You pay to join, pay every month, and still give up 10% of every sale. The international USD plans charge 0% transaction fees, which tells you exactly who the India model is designed to squeeze.

Who it is for: larger course businesses that need a full LMS and can absorb the fixed costs.

Peerseek: flat 5 percent, nothing hidden

Peerseek charges a 0% platform fee and a flat 5% transaction fee. No subscription. No onboarding charge. No free tier that quietly takes 10%. As with every platform, standard payment-gateway charges can apply on top, but there is no extra platform cut layered over it. You accept UPI, cards, netbanking, wallets, and international payments, and you sell 1:1 sessions, host a paid webinar in India, run cohorts, and sell digital products from one place. On a 1,00,000 rupee month, that is roughly the difference between keeping 95,000 and keeping 87,100 on Topmate.

Who it is for: creators who actually sell and want the most of every rupee to reach their own bank account.

Not sure how to move your setup over? I'll help you personally. Book a free 15-minute setup call and we'll get your Peerseek profile ready to take bookings, no pitch, no pressure.

Worked example: what you keep on 1,00,000 rupees in sales

The gap between the cheapest and most expensive option here is roughly 8,000 to 10,000 rupees on every 1,00,000 rupees you sell. Over a year of serious selling, that is a phone, a laptop, or a month of runway. If you want to see what serious sellers actually pull in by niche, read how much Indian creators earn.

The fees nobody advertises

• GST on the fee (18%): most platforms add it on top of their cut. A 5% fee is effectively about 5.9% after GST.
• Payment-gateway charges: these can sit on top of any platform's fee, including the lowest ones. Compare all-in.
• International payment surcharges: cross-border and currency conversion can push a 10% platform into the 15 to 18% range.
• Onboarding and setup fees: Graphy's 19,999 rupees is the loud example. Always check for a one-time charge.
• Payout timelines: a low fee means less if your money is locked for T+7. Look for T+1 to T+2 settlement.
• Free plan fine print: free almost always means a higher percentage cut. Read what the free tier actually takes.

How to choose (a 30 second rule)

1. Selling occasionally, low volume? Simplicity wins. A no-subscription platform with a flat fee beats paying monthly.
2. Selling seriously every month? Do the math on total cost, not the headline rate. A cheaper tier with a 12,000 rupee yearly plan only pays off above a certain volume.
3. Selling 1:1 calls, webinars, cohorts, and products together? Pick a creator-first platform that does all of it in one place, so you are not stitching a store, a scheduler, and a checkout together.
4. Taking international payments? Check the cross-border rate specifically. Domestic and international fees are often very different.

For most Indian creators who are actively selling, a flat, low, all-inclusive fee with no subscription is the structure that keeps the most money in your account. That is the bet Peerseek is built on.

Want a hand switching? I'll do it with you, free

If you're ready to move but don't want to figure out the setup alone, I'll help you personally. Book a free 15-minute setup call and we'll get your profile live, map your 1:1 sessions, webinars, cohorts, and digital products into one dashboard, and sort out payouts and moving your audience over. Bring your current pricing and we'll do the math on what you'll save.

Book your free 15-minute setup call. Free, 15 minutes, 1:1 with the Peerseek founder. No pitch, no pressure.

Frequently asked questions