Yes. There’s no commitment — cancel from your Ko-fi or Patreon dashboard whenever you want. Your membership stays active until the end of the billing period.
Nothing is lost. Your library, bookmarks, and listening progress all stay put. You keep streaming the free catalog — premium books just revert to their free sample parts.
Ko-fi takes credit/debit cards and PayPal. Patreon takes cards and PayPal too. Pick whichever you already have an account with.
Check the inbox of the email you paid with, since subscribing sends an activation link there, and it works whether or not you had an account first. If you cannot find it, use the activation box on this page to have a code sent instead.