That's pretty vague. Where's the dividing line of "difficulty to set up" that differentiates banks from Patreon? There's actually more banks(even in my country) than websites dedicating to donating money to creators, as far as I know. Patreon supports recurring donations, so I'm guessing they have PCI compliance - your line is above "any guy with a website" but below "bank", but can you try pinning it down? Are Mastercard and Visa infrastructure?