What are Gumroad's fees?

That is the whole price list in three numbers. The rest of this page is what those numbers come to on a real sale, the monthly volume discount, what happens to the fee when you refund someone, and what the fee buys you that a cheaper platform does not.

What does Gumroad charge on a direct sale?

10% + $0.50 per transaction, plus card processing. A direct sale is one where the buyer came through your Gumroad profile or a link you shared, rather than through Gumroad's marketplace. There is no monthly charge on top: Gumroad's pricing page says it "doesn't charge you a monthly fee" and takes its money from each sale instead.

Gumroad's own fees article is plain about what the headline leaves out. It says the 10% + $0.50 "does not include" credit card processing at 2.9% + $0.30, or PayPal fees. So on a card sale you pay both, and the real rate is 12.9% + $0.80.

On a $20 product that works out as $2.00 for the 10%, $0.50 for the fixed fee, $0.58 of card processing and another $0.30. That is $3.38 in fees on one $20 sale.

The fixed part matters more the cheaper your product is. On a $5 sale the two fixed charges alone are $0.80, which is 16% of the price before either percentage, and the whole fee comes to about $1.45.

What does Gumroad charge on Discover sales?

A flat 30%, and this is the one Gumroad rate that already includes processing. Discover is Gumroad's own marketplace, and its pricing page says the 30% applies "when new customers find and buy from you" through it.

On a $20 sale that is $6.00, close to double the $3.38 of a direct sale. The word that matters is new. The 30% is the price of a buyer Gumroad found for you, not a surcharge on buyers you sent yourself.

Whether it is worth it depends on whether those people would ever have found you otherwise. Discover is the part of Gumroad a store on your own link cannot copy: it puts your product in front of people who were not looking for you, and you pay for it only when a sale actually comes through it.

Does Gumroad get cheaper if you sell more?

Yes, inside a single month. Gumroad's fees article says that once your paid sales in a calendar month reach $20,000, new direct sales that month are 5% + $0.50 instead of 10% + $0.50. There is nothing to apply for. It switches on by itself and resets on the 1st of every month.

On the same $20 card sale that is $1.00, plus $0.50, plus $0.88 of processing, so $2.38 in total. A real discount.

Three details sit under it. Discover sales stay at 30% whatever your volume. The $0.50 per sale stays too. And a refund can take you back under the $20,000 line, in which case new sales return to 10% + $0.50 until you cross it again that month. There is also no step between 10% and 5%, so a store either side of the threshold pays one rate or the other.

Does Gumroad give its fee back when you refund a sale?

Mostly, yes. The same fees article says that when a sale is refunded, "Gumroad's own fee on the refunded portion is returned to you". What it keeps is the payment processing part, because payment processors do not return that on a refund.

So on a refunded $20 card sale you get Gumroad's own $2.50 back and lose the $0.88 of processing. That is more generous than Stakk, and worth saying plainly: our fee is not returned when you refund a buyer.

The article adds that sales through a payment account you have connected yourself work differently, and points to a separate refund article for those. If that is your setup, read that one rather than assuming the rule above.

Does Gumroad charge to pay you out?

Not on a standard bank deposit, but there is a minimum, a hold and two paid options. Gumroad is the merchant of record, so in general the buyer pays Gumroad and the sale lands in your Gumroad balance first. Gumroad's payout article says you need a balance of at least $100 to receive a payout, and on the weekly, monthly and quarterly schedules each sale sits in that balance for at least 7 days before it can go out.

The article lists no fee on a normal bank deposit, which can take 2 to 7 business days to process depending on your country. Where Gumroad cannot pay to a bank in your country it pays through PayPal, and PayPal payouts carry a 2% processing fee. US creators with an eligible account can also take an instant payout for a 3% fee, which skips both the 7 day hold and the $100 minimum.

So on some setups the fee on the sale is not the last one. Our comparison of who holds your money shows how that route compares with a checkout that charges straight into your own account.

Is Gumroad cheaper than Stakk on a $20 sale?

No. On a plain direct card sale Gumroad costs more. Stakk is 10% + $0.50 with card processing included, so the same $20 sale costs $2.50 in total on Stakk against $3.38 on Gumroad. The whole gap is the processing Gumroad adds on top of the same headline rate.

Two cases flip it. Past the $20,000 monthly threshold Gumroad's fee on that sale falls to $2.38, which is $0.12 under ours. And on a refund Gumroad is kinder, because it returns its own fee and Stakk does not.

The larger differences are not in the fee. On Stakk the charge is created in your own Stripe account, so there is no balance of ours, no minimum and no hold for it to wait in, which is the argument in our guide to Gumroad alternatives that pay you directly. The trade is the tax role. Gumroad's pricing page says that since 1 January 2025 it has handled "sales tax collection and remittance worldwide" as the merchant of record. On Stakk you are the seller, so sales tax and chargebacks are yours rather than Gumroad's.

When would I send you somewhere else?

If the fee is the only number you care about, Stakk is the wrong choice, and so is Gumroad. Whop charges 2.7% + $0.30 on a domestic card with no monthly plan, which is $0.84 on the same $20 sale, and still under a dollar once its $0.07 Radar and $0.03 3D Secure fees are added. Systeme.io takes 0% on its free plan and you pay only your own card processor. The catch there is the free plan's 2,000 contact cap: past it, after three days of warnings, Systeme.io's help center says "Opt-ins and payments stop working" until you upgrade or trim the list.

Gumroad is the better pick over Stakk if you want someone else to be the seller and deal with tax, if Discover is sending you buyers, or if your store regularly passes the $20,000 monthly threshold. And Stakk has no memberships or subscriptions, no prices above $999, no currency other than US dollars, no course hosting and no call booking, so if you need any of those, or cannot open a Stripe account where you live, it is not for you.

Want one fee with processing already in it?

Stakk is 10% + $0.50 a sale with card processing included, no monthly fee, and the buyer's payment lands in your own Stripe account. Whop and Systeme.io cost less and I have said so above. What Stakk adds over Gumroad is the step after payment: an order bump and a post-purchase upsell on every account, with nothing behind a higher tier. The bump rides the same charge as the product, so it carries one fee rather than two, and the upsell is one tap against the card already on file, charged as its own sale at the same rate. Gumroad ships the bump but not the upsell. That layout came out of funnels that ran for agency clients before Stakk existed.

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