To offer a gift or finance a project to several people, it is possible to collect money from an online kitty.
Leetchi, Le Pot Commun, HelloAsso… Each has its specificities.
Nature of the project, commission, money recovery system:
20 Minutes
has compared seven sites for you.
Your colleague Bernard has just retired and you and your colleagues want to give him a nice souvenir?
Your best friend has just given birth and you plan to offer her the traditional baby outfit?
Or do you want to create your association, but you don't have the funds?
The solution is on the Internet.
To collect a sum of money together in a secure way, the online kitty has become almost essential.
But among the various online pots available to you, it can be difficult to choose.
To make it easier for you,
20 Minutes
has concocted a comparison of the main online pots on the market.
Which kitty for which need?
Whether raising funds to finance a gift, a company, or a solidarity project, Leetchi, CotizUp, OnParticipe, Papayoux are perfectly suited.
"We are aimed at individuals, businesses and associations alike," says Jean-Christophe Macé, co-founder of OnParticipe.
The latter also explains that it is 100% Made In France.
More specifically, “donations are made from France and remain in France”, which is not the case with other online kitty sites, whose donations can come from abroad.
On the other hand, Le Pot Commun acknowledges having “a rather festive positioning”, according to its CEO Eliott Grunenwald.
"We stopped the solidarity pots a little over two years ago because we do not hold the approval of Intermediary in Participatory Financing (IFP)", he specifies, necessary to accept "the pots relating to appeals for donations on its platform", according to the general conditions of use of the site.
Conversely, HelloAsso is totally intended for associations and allows users to finance a solidarity race, a humanitarian project or a charity event.
“We do not apply the “all or nothing” strategy, that is to say that even if an objective, for example 8,000 euros, is not reached, we still pay the sum collected to the bearer of project", assures Léa Thomassin,
How much is the commission?
"Faced with a site that promises the creation of a free kitty, you have to be wary, because there are often bank transfer fees when you want to make a donation or withdraw the amount collected", warns Raphaël Bartolomé, legal director at the UFC-Que Choisir.
Indeed, these costs are on average about 3%.
“We take 3.9% on each donation, but 0% on the pot collected,” says Jean-Christophe Macé (OnParticipe).
Same principle for Papayoux, which takes 1.9% + 20 cents on donations, as well as for CotizUp, which takes 1.9% + 30 cents.
If you opt for a Leetchi kitty, be aware that 4% of the amount collected will be deducted by the site during the final bank transfer to recover it.
"We have a level of 2,000 euros, an amount from which we only take 1.9%", specifies Alix Poulet, CEO of Leetchi.
Otherwise, you can also look for online pots that will not charge you any fees.
Papayoux, CotizUp and HelloAsso are among them.
“When a user makes a donation, we ask them if they want to leave a contribution to help fund the site.
One in two people chooses to do so and leaves an average of 1.80 euros,” explains Léa Thomassin.
In addition, Lydia, which is above all a mobile payment application, also allows you to create pools.
Nor does it charge any fees.
Be that as it may, Raphaël Bartolome "advises to carefully read the general conditions of use, to find out about the fees that would be applied and to favor sites that are established in France, to facilitate the procedures in the event of a dispute. ".
As far as ceilings are concerned, they are unlimited at HelloAsso, Le Pot Commun, OnParticipe and CotizUp.
At Papayoux, each donation is limited to 1,000 euros, and at Leetchi, the total amount collected cannot exceed 20,000 euros.
Receive the amount collected and spend it
To recover the money, several possibilities are available to you.
Note that before being authorized to do so, an identity document will be requested from the organizer of the collection, as well as a RIB in the same name.
Once this step is completed, it is possible for you, in particular at OnParticipe, Papayoux and CotizUp, to receive the sum directly into your bank account via a transfer from the site.
With regard to HelloAsso, the associations which can open kitties must be "declared and published in the Official Journal", informs Léa Thomassin.
The association then receives the money directly into the bank account associated with it.
Beyond that, some sites also offer to spend all or part of the amount collected with partner brands.
This is first of all the case for Leetchi, which has more than 100 (Fnac, Wonderbox, La Redoute, etc.), even if “the majority of our users ask to receive the sum by traditional transfer”, underlines Alix Poulet.
Le Pot Commun also allows its users to spend the money collected at 109 partner brands, such as Relais & Châteaux, Printemps, Citadium, etc., or to pay the amount on a gift card valid in more than 500 brands, "which we can order for free", according to Eliott Grunenwald.
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