Stakk vs Topmate: which is better for digital products?
·Founder, Stakk
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26 October 2026
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7 min read
Pick Topmate if you sell your time, and Stakk if you sell files. Topmate is built for 1:1 calls, paid DMs and webinars, and takes UPI from buyers in India. Stakk is a store for digital products, with order bumps and upsells, and each sale goes into your own Stripe account. Topmate costs $0 a month and takes 10% of sales through your own link, or 20% through its marketplace, plus a payment gateway fee. Stakk is from 10% + $0.50 a sale, card processing included. Checked on Topmate's own site on 26 October 2026.
Compare them with AI, using this page: ChatGPT or Claude.
How do Stakk and Topmate compare, side by side?
Topmate wins on calls, paid DMs, UPI and marketplace fees. Stakk wins on order bumps, upsells and who holds the money.
| What you get | Stakk | Topmate |
|---|---|---|
| The money | ||
| Fee on your own link | From 10% + $0.50 a sale. | 10% of the sale, before the gateway fee and GST. |
| Card processing | Included in the fee, at the US card rate. | Added on top as a gateway fee. The rate is not labeled. |
| Monthly fee | $0. You pay only when you sell. | $0. Topmate says selling has no monthly fee. |
| Who holds the money | You do, in your own Stripe account. | Topmate does, in a balance, until you withdraw. |
| When you get paid | On your Stripe payout schedule. Stakk cannot hold it. | When you withdraw. The first one opens 7 days after your first paid sale. |
| Marketplace sales | 30% + $0.50 on a Discover sale, all in. | 20% through its marketplace, plus the gateway fee. |
| What you can sell | ||
| Digital files | Yes. This is what Stakk is for, at $1 to $999 each. | Yes. Guides, templates and files sit next to calls. |
| 1:1 calls | No. Stakk has no call booking. | Yes. Calls run 5 minutes to 8 hours, on its Zoom Pro or your own link. |
| Paid DMs | No. | Yes. The buyer is refunded if you miss the set reply time. |
| Webinars, courses, memberships | No. Stakk has no course hosting and no subscriptions. | Yes. It lists webinars, cohorts, courses and memberships. |
| Order bump | Yes, on every account, in the same charge. | Not listed. It shows packages, discount codes and pop-ups instead. |
| Upsell after payment | Yes, one tap, as a second charge. | Not listed on its homepage or pricing page. |
| Freedom | ||
| Buyer needs an account | No. The buyer pays and gets the file. | Not stated. Its homepage says buyers pick a slot and pay. |
| Your own Stripe account | Yes, through Stripe Connect Standard. | No. Topmate takes the payment and pays you out. |
| How buyers pay | By card, in US dollars. | UPI, cards, net banking and wallets in India. USD, EUR, GBP, CAD or SEK abroad. |
| Getting started | ||
| Cost to start | Free, with no credit card needed. | Free. Topmate says no card is needed. |
| Best for | ||
| Best for | Creators selling files who want bumps, upsells and the money in their own Stripe account. | Creators who sell their time, like calls, paid DMs and webinars, especially to buyers in India. |
What does each one take from a $27 sale?
On your own link the two land close. On marketplace sales, Topmate costs less.
| Sale | The fee | On a $27 sale |
|---|---|---|
| Stakk, your own link | From 10% + $0.50, card processing included | $3.20 |
| Stakk, a Discover sale | 30% + $0.50, card processing included | $8.60 |
| Topmate, your own link | 10%, plus a gateway fee and GST on Topmate's fee | $2.70, plus the gateway fee and GST |
| Topmate, its marketplace | 20%, plus a gateway fee and GST on Topmate's fee | $5.40, plus the gateway fee and GST |
For a US card, $3.20 is Stakk's whole fee on a $27 sale, and you keep $23.80. Topmate's 10% is $2.70, before its gateway fee and GST on its fee, which its homepage FAQ lists. Its pricing page does not label the gateway rate, so I can't give Topmate's exact total. The FAQ also lists a fee for turning another currency into rupees at withdrawal.
On marketplace sales Topmate wins. Its 20% is $5.40 plus the gateway fee. A sale from Stakk's Discover page is 30% + $0.50 all in, which is $8.60. Stakk's pricing page shows what our rate includes.
Who holds the money, and when do you get paid?
On Stakk the money is yours from the start. On Topmate it waits in a balance until you withdraw.
Stakk. The sale lands in your own Stripe account, and Stakk never holds it.
Topmate. The money sits in Topmate's balance until you ask for it.
Stakk uses Stripe Connect Standard. The buyer pays into your own Stripe account, and you are the seller. Stakk takes its fee from that charge and never holds the rest, so it cannot delay a payout. Stripe pays your bank on the schedule in your Stripe account. Our guide to which platforms hold your money explains why that matters.
Topmate collects the payment and keeps your earnings in a balance. Its FAQ says your first withdrawal opens 7 days after your first paid sale, and it may ask for ID first. India payouts are reviewed by its team and reach your bank within 7 days of your request. Outside India you withdraw by PayPal or to a US bank account, and the review can take up to a week.
What can you sell on each one?
Topmate sells your time. Stakk sells your files.
Topmate's homepage lists 1:1 calls, webinars, cohorts, courses, digital products, packages, Priority DMs and memberships. Bookings land on your Google Calendar, and paid ones get WhatsApp reminders. A Priority DM is a paid written answer with a set reply time, refunded in full if you miss it. Topmate says it has paid ₹100+ crore to creators and counts 4.8 million+ bookings.
Stakk sells digital products, like templates, guides, presets and PDFs. Each one has a one-off price from $1 to $999 in US dollars, and the buyer gets the file right after paying. Stakk has no call booking, no paid DMs, no webinars, no course hosting and no subscriptions.
Which one has order bumps and upsells?
Stakk has both on every account. Topmate lists neither on its homepage or pricing page.
An order bump is a small extra the buyer ticks at checkout, like a bonus pack next to a template. On Stakk it rides the same charge as the product, so it carries one fee, not two. An upsell is an offer shown after payment, taken with one tap on the card just used. It is a second charge, so it takes Stakk's fee again. Our guides to order bumps and upsells show how both work. And the buyer needs no account to buy.
Topmate sells more to each buyer in other ways. Its homepage lists packages that bundle calls, DMs, webinars and products for one price, plus discount codes, offer pop-ups and a follow up when a buyer leaves at checkout. Those are useful tools, but none is an add-on at checkout or a one-tap offer after payment.
When would I send you to Topmate?
If you mostly sell calls or paid DMs, Topmate is the right tool and Stakk is the wrong choice, because Stakk cannot book a call or run a Priority DM. If your buyers are in India and want to pay by UPI, Topmate takes it and Stakk's checkout does not. And if you want a marketplace to send you buyers, Topmate lists your page in its search, at 20% against Stakk's 30% + $0.50 on a Discover sale. Topmate itself says most first bookings still come from your own people, so treat its search as extra.
If the lowest fee on a file is all you care about, Whop and Systeme.io both cost less per sale than Stakk. Our breakdown of Whop's fees has the numbers.
Can you use Topmate and Stakk at the same time?
Yes. Keep Topmate for calls and DMs, and add a Stakk link for your files. Both are free to start, so running both costs nothing until you sell. There is no tool to move products across, so you add each file by hand.
What else do people ask about Stakk and Topmate?
Is Topmate cheaper than Stakk?
It depends where the sale comes from. On your own link the two land close: Topmate takes 10% plus a gateway fee and GST on its fee, and Stakk takes from 10% + $0.50 all in. On marketplace sales Topmate is cheaper, at 20% against 30% + $0.50.
Does Topmate hold my money?
Yes, until you withdraw. Your first withdrawal opens 7 days after your first paid sale. On Stakk each sale goes straight into your own Stripe account.
Can I sell 1:1 calls on Stakk?
No. Stakk has no call booking, no Priority DMs and no webinars. If calls are most of what you sell, Topmate is the better fit.
Do buyers need an account to buy on Stakk?
No. The buyer pays by card and gets the file right away, with no sign-up step first.
Is Stakk's 10% + $0.50 the same for every sale?
Not always. Stakk's own cut is 7.1% + $0.20. Stripe adds its card fee, 2.9% + $0.30 for a US card, to make 10% + $0.50. Stripe's part can be higher for other cards and countries.
Does Topmate have order bumps?
Not by name. Its homepage lists packages, discount codes and offer pop-ups, but no add-on at checkout and no one-tap offer after payment.
Selling files, and want the money in your own Stripe account?
Stakk is a store for your files. The buyer needs no account, the order bump rides the same charge, and the upsell after payment is one tap. Every sale goes into a Stripe account in your own name, and Stakk never holds it. It is free to start, with no monthly fee, from 10% + $0.50 a sale with card processing included. Keep Topmate for your calls if they work for you.