criar-produto-ia-cakto
You searched "create product on Cakto" or "sell AI on Cakto" because it became known for the most aggressive fees in the market and fast payouts. Worth clearing up before going further: that integration doesn't exist — not with Cakto, not with any other checkout platform. An AI agent isn't something sold "inside" a digital product checkout. It's a separate product, with its own domain and its own billing via direct Stripe Connect.
And here's a catch almost nobody calculates: a low checkout fee is great, but it only affects the margin on a sale that already happened. What actually decides whether you make $4,000 or $100,000 a year isn't whether the fee is 3% or 6% — it's whether your product sells once or sells every month. This post shows the real math.
What Cakto does well
Cakto grew fast between 2024 and 2026 with a clear pitch: lower fees than any competitor and fast payouts, sometimes same-day. That solves a real pain point for people just starting out:
- Lowest fees in the market. Cakto competes openly on this against Hotmart, Kiwify, and other checkout platforms.
- Fast payouts, important for anyone without working capital yet.
- Simple onboarding, built for someone who's never sold a digital product.
- Functional checkout, no learning curve.
For someone launching their first product, these things genuinely matter. The problem is that a low fee only solves one part of the equation — and it's not the part that weighs most on your year.
The problems with selling a course or ebook in 2026
People selling on Cakto usually sell a one-time-ticket course, ebook, or coaching program. And that format carries structural problems no fee reduction fixes:
- Saturated market. Every niche already has dozens of products competing for the same attention.
- High refund rates. Someone buys a 40-hour course, watches two lessons, asks for a refund.
- Piracy and leaks. Recorded content circulates in a private group within weeks.
- Content that goes stale. The method changes, the tool changes — the video recorded in 2024 is already outdated.
- Launch dependency. Revenue spikes launch week and goes quiet for the rest of the year, until the next one.
- Manual support that doesn't scale. Every question becomes a DM — your time is the ceiling of the business.
The low fee isn't what decides your revenue
Cutting your checkout fee saves you a few dollars per sale. Swapping a one-time sale for a recurring subscription multiplies your revenue by 12. That's the difference that actually matters — and that's where the AI agent comes in: instead of recording yet another course to sell once, you build an agent trained on your knowledge and charge a monthly subscription for access to it.
Nobody wants to watch 40 hours of video to find one answer anymore — they want to ask and get the answer applied to their case, right now. With Member AI you build that agent in about 15 minutes: upload PDFs and scripts as a knowledge base, write a master prompt with your method, and the agent answers in your voice, with per-subscriber contextual memory.
And there's a fee that only exists one way: 0%. Member AI charges 0% on every sale — only the flat plan subscription. But that's only possible because the product you're selling becomes your own SaaS, with Stripe Connect direct in your own account. No third-party checkout platform can offer 0%, because it needs to charge a fee to exist. Your own SaaS can, because the one charging the subscription is Member AI — not a percentage of your sale.
One-time vs subscription: annual financial comparison
Cakto doesn't publish one flat fee for everyone — it varies by payment method, but positions itself below most competitors, generally in the 2%-5% + fixed-fee range (check Cakto's official pricing table for your case). For this comparison we used an estimate of 2.99% + $0.20.
Concrete scenario, with the same audience of 500 people in the same year:
| One-time course via Cakto | Recurring AI agent via Member AI |
|---|
| Billing model | One-time payment | Monthly subscription |
| Product price | $99 (one time) | $20/month |
| Customers in the year | 500 (1 launch) | 500 (kept all year) |
| Annual gross revenue | $49,500 | $120,000 |
| Cakto fee (~2.99% + $0.20, estimate) | −$1,580 | $0 |
| Member AI Expert ($50/month flat) | $0 | −$600 |
| Direct Stripe (~3.99% + $0.08) | $0 | −$5,268 |
| Annual net | $47,920 | $114,132 |
| To repeat this result | A new launch (traffic, copy, schedule) | Already recurring — no extra effort |
Cakto's fee is honestly low — in this math, it costs even less than Stripe's own direct fee. But it only saves a few hundred dollars on a $49,500 sale that happens once. The recurring model bills more than double in the same year, with the same 500 customers — just because it charges monthly instead of once. The fee was never the problem. The model was.
Step by step: from zero to a live AI agent
- Member AI account — Basic $20/month to start, Expert $50/month once your base is bigger.
- Build the agent in ~15 minutes · full tutorial.
- BYOK: plug your OpenAI, Anthropic, or Google key — pay the provider directly, no Member AI markup.
- Custom domain with auto SSL. The customer only sees your brand.
- Stripe Connect: link your account directly, receive in BRL, USD, or EUR without going through Cakto — see Stripe Connect for creators.
- Set up plans and trial: 7 days (the trial requires a card).
- Launch on your own domain. The customer subscribes, enters the AI member area, and chats with the agent every month — not just once.
When Cakto wins vs when direct SaaS wins
Cakto wins when:
- You're selling your first product and need simple checkout working today.
- The product is genuinely one-time, high-ticket, where fast payout matters more than recurrence.
- You don't have working capital and depend on cash coming in fast.
Direct SaaS wins when:
- You've already validated the offer and want to stop depending on launches to make money.
- The product is applicable knowledge — method, consulting, specialized support — that pays off more as a subscription than as a one-time payment.
- You want predictable revenue instead of a launch spike followed by silence.
- You want your own brand and control of customer data.
Decision by creator profile
- First product, one-time ticket, no audience? → Cakto wins on simplicity and fast cash.
- Already validated the offer and want to stop depending on launches? → Member AI + direct Stripe wins on predictable revenue.
- Want to start cheap? → Member AI Basic $20/month + direct Stripe, 7-day trial.
- Already making good money on one-time sales? → consider running both in parallel: Cakto to capture, the AI agent to retain.
Ready to trade a launch spike for recurring revenue? See the full guide to selling AI agents on the internet, check 25 AI agent ideas to sell, or see Member AI plans.
Read more at memberai.pro/en/blog/create-ai-product-on-cakto.
Learn more: plans and pricing · about Member AI · real customer cases · full blog.