# CotizUp vs Papayoux

## Obok siebie.

| Kryterium | CotizUp | Papayoux |
| --- | --- | --- |
| Odbiorca dostaje | zł97.60 | €97.80 |
| Prowizja platformy | 0% | 1.9% |
| Opłata za obsługę płatności | 1.9% + zł0.50 | 0% + €0.00 |
| Trustpilot | 4.3 (2664) | 4.6 (434) |
| Zasięg krajowy | 1 | 1 |
| Lokalizacja danych | — | — |
| Języki | 1 | 6 |
| Obsługiwane metody płatności | 1 | 2 |

## Wybierz CotizUp, jeśli

> French individuals and groups raising money for personal causes, projects, or collective gifts who want a simple cagnotte with no platform commission and a keep-it-all model.

- No platform commission, so organisers keep what they raise (keep-it-all model)
- Simple cagnotte format designed for quick, shareable group collections
- Optional donor tip is fully voluntary and can be adjusted or removed before paying
- Card and bank processing charges are passed through at cost rather than marked up


## Wybierz Papayoux, jeśli

> French and EU individuals organizing group collections for gifts and events, plus associations running solidarity campaigns, who want a regulated French platform with flexible fee handling.

- Two products in one brand: group-pot collections and solidarity donations.
- Regulated French crowdfunding intermediary (ORIAS) backed by Lemonway.
- Group-pot creation and SEPA-zone withdrawals carry no transfer charge.
- Organizer can absorb or pass per-contribution costs to contributors.