What happens to a Ko-fi account when someone dies

“We may terminate your Account at any time, immediately and without liability to you if we consider it necessary to do so, for any reason, including for operational, legal, compliance or security reasons. We will act reasonably when exercising this right and will provide notice where it is appropriate to do so.”¹

The Terms state that Ko-fi does not process or hold payments: supporters pay creators directly, outside Ko-fi, through a third-party payment provider such as PayPal or Stripe.¹

Creators are paid directly into their PayPal or Stripe account and never hold a balance on Ko-fi, so a deceased creator's funds are reached through PayPal's and Stripe's own deceased-account procedures, not through Ko-fi.²

Deleting a creator account permanently removes the transaction history, posts, supporter list and all other account information, and cannot be undone.³

Supporters keep being charged on active memberships until those memberships stop. Deleting the creator account cancels them; disconnecting the page's PayPal or Stripe does not, since they are "tied to your payment provider rather than your Ko-fi account."³

The creator's own paid Ko-fi subscription keeps charging until it is cancelled in its own right: the Terms state that "Merely deleting your Account without cancelling your subscription will not stop these payments."¹

Ko-fi's formal records-and-preservation channel is its law-enforcement guide, which serves authorised law enforcement acting under a court order or an emergency justification.⁴

An executor falls outside the law-enforcement guide, so an estate request to Ko-fi, including a hold on the account, is a discretionary support matter.⁴

Ko-fi income paid into the creator's connected PayPal account^{1, 2}

Ko-fi income paid into the creator's connected Stripe account^{1, 2}