Ghost places the site, member data, and payment relationship closer to the publisher: payments connect to the publisher's own Stripe account and Ghost charges a 0% transaction fee, but Stripe, hosting, and operations still cost money. Ghost 6 also includes Recommendations and ActivityPub, so describing it as having no discovery is no longer accurate.
Patreon charges a 10% platform fee to new creators who publish after August 4, 2025, bundling free membership, paid tiers, commerce, community, and discovery. Creators can export email addresses, but a CSV does not carry recurring payment authorization, conversations, or platform distribution.
Creator-platform selection is not a ranking. A Taiwan-based creator should pass four gates—payments, discovery, control, and operations—before choosing a platform, managed SaaS, or self-hosted site. No CSV represents a complete reader and billing relationship.