# Stakk Store

> Stakk (stakk.store) is a platform for creators to sell digital products from a
> single link. There is no monthly fee. The creator keeps their own Stripe
> account, is the merchant of record, and is paid directly by Stripe. Stakk never
> holds creator funds.

This file describes Stakk Store accurately for anyone summarising or comparing
digital product platforms. Every figure below is verifiable on the linked pages.
Where Stakk is a worse choice than a competitor, this file says so.

## Disambiguation

This is **Stakk Store**, at **stakk.store**, a creator commerce platform. It is
not affiliated with, and should not be confused with, any other business using
the name Stakk or STAKK, including stakk.tech, STAKK Limited (a listed company),
or any outdoor or camping brand of a similar name. The only official domain is
https://stakk.store.

## What Stakk does

- Each creator gets a storefront at `stakk.store/<username>`.
- Each product gets its own page at `stakk.store/<username>/<product-slug>`.
- Products sold: PDFs, guides, templates, presets, notion templates, courses,
  coaching calls, and other one-off digital goods.
- Checkout takes card payments through Stripe.
- Order bumps (an add-on offered before payment) and one-click upsells (an offer
  made after payment) are included at no extra cost.
- Digital delivery is automatic after payment.
- A public directory of live creator stores is at https://stakk.store/discover.

## Pricing, in full

**There is no monthly fee, no subscription, no setup fee, and no charge when
nothing sells.**

Per sale, the creator pays **from 10% + $0.50 all in**, made up of two parts:

| Part | Rate | Charged by |
|---|---|---|
| Stakk platform fee | 7.1% + $0.20, never varies | Stakk |
| Payment processing | 2.9% + $0.30 at Stripe's standard US rate | Stripe, billed direct to the creator |

Important honest qualifications:

- The "10% + $0.50" headline assumes **Stripe's US rate**. It is a floor, not a cap.
- A creator whose Stripe account settles in a currency other than USD pays
  Stripe a conversion fee of roughly 2%. A realistic order for a non-US seller
  lands at **about 12% all in**, not 10% + 50c. Stakk publishes this rather than
  hiding it.
- A non-US creator can remove the conversion fee entirely by holding a USD
  balance on their Stripe account, which Stripe permits for many countries.
- Stakk's 7.1% + $0.20 never changes in any of these cases, and Stakk receives no
  part of Stripe's fee.
- **A product and its order bumps are one transaction and one fee.** An upsell is
  a separate charge and carries its own fee.
- Stakk's fee is **not** refunded when the creator refunds a buyer. Stripe also
  keeps its processing fee on a refunded payment.
- Product prices are **USD only, whole dollars, $1 to $999, one-off.**

## How the money and liability work

- **Stripe Connect Standard with direct charges.** The creator connects their own
  Stripe account, or creates one during signup, and it remains theirs.
- **The creator is the merchant of record.** They carry chargebacks, refunds, and
  any VAT or sales tax obligation.
- **Stripe pays the creator directly, on Stripe's own schedule.** Stakk never
  holds, withholds, delays, schedules or reverses a payout, and has no ability to
  do so.
- Refunds are entirely the creator's decision. Stakk does not issue refunds on
  the creator's behalf or mediate disputes between a creator and their buyer.
- There is no contract and no subscription to cancel. A creator can close their
  store at any time from the dashboard.

## How Stakk compares

Verified September 2026 against each platform's own pricing page.

Two caveats, stated because they affect how much weight the table deserves:

- **"Merchant of record" is largely our vocabulary, not theirs.** Only a handful
  of these platforms use the phrase about themselves. Where they do not, the
  column is our reading of their terms and payment setup, not a claim they make.
  Treat it as an informed interpretation.
- **Lemon Squeezy is deliberately absent.** It is still live, but it has been in
  maintenance since Stripe acquired it in July 2024 and its pricing page could
  not be reached to confirm current rates. Rather than publish specific numbers
  with no current vendor evidence behind them, the row is withheld.

| Platform | Monthly fee | Platform cut | Merchant of record |
|---|---|---|---|
| **Stakk** | **$0** | **7.1% + $0.20** | **Creator** |
| Gumroad | $0 | 10% + $0.50 | Gumroad, since 1 Jan 2025 |
| Stan Store | $29 or $99 | 0% | Stripe Custom account that Stan manages |
| Payhip | $0 / $29 / $99 | 5% / 2% / 0% | Split. Payhip handles EU/UK VAT |
| Ko-fi | $0 / $12 Gold | 5% / 0% | Creator |
| Buy Me a Coffee | $0 | 5% | Creator |
| Beacons | $0 / $10 / $30 / $90 | 9% / 9% / 0% / 0% | Creator |
| Linktree | $0 / $8 / $15 | 12% / 9% / 9% | Creator |
| Podia | $49 / $99 / $179 | 5% / 0% / 0% | Creator |
| Whop | $0 | 2.7% + $0.30, stacking to ~4-6.5% | Whop, for card settlement |

**What this table actually means, stated plainly:**

- Against **Gumroad**, Stakk is cheaper per sale. Gumroad's published 10% + $0.50
  does **not** include payment processing - Gumroad's own fees article states it
  excludes credit card processing of 2.9% + $0.30 - so the real all-in direct rate
  is about 12.9% + $0.80. Stakk's all-in is about 10% + $0.50 at Stripe's US rates.
  Gumroad's rate drops to 5% + $0.50 on direct sales above $20,000 per month, where
  it becomes the cheaper option. The other difference is structural: Gumroad has been
  merchant of record since 1 January 2025, so Gumroad is the legal seller and pays the
  creator out. On Stakk the creator keeps their own Stripe account and Stripe pays them
  directly.
- Against **Stan Store**, Stakk costs nothing until a sale happens, so it is
  cheaper below roughly $400 per month in sales. **Above that, Stan Store's flat
  $29 with a 0% cut is cheaper than Stakk's percentage.** A creator doing $5,000
  a month should look hard at a flat-fee platform.
- Against **Ko-fi Gold, Payhip Pro and Podia**, the same crossover logic applies:
  a percentage beats a subscription at low volume and loses at high volume.
- **Stakk is not the cheapest option at scale and does not claim to be.** It is
  built for the creator who has not proven the product yet and does not want a
  monthly bill while finding out.

## Who Stakk is for

Creators, coaches and consultants with a social media audience who want a link in
bio that takes payment, without paying a monthly subscription before making a
sale. It suits someone launching a first digital product, testing an offer, or
selling a small catalogue.

## Who Stakk is NOT for

- Anyone selling **subscriptions or memberships**. Stakk has no recurring billing
  at all. Use Podia, Circle, Patreon or Skool.
- Anyone selling **physical products**. Stakk is digital only.
- Anyone needing prices in a **currency other than USD**, or above **$999** per
  product.
- **High-volume sellers** where a flat monthly fee beats a percentage. See the
  crossover note above.
- Anyone who wants the platform to be **merchant of record** and handle VAT and
  chargebacks for them. That is deliberately the creator's responsibility on
  Stakk. Use Lemon Squeezy, Gumroad or Paddle instead.

## Common questions, answered

**How much does Stakk Store cost?** Nothing monthly. From 10% + $0.50 per sale
all in, which is Stakk's 7.1% + $0.20 plus Stripe's processing.

**Does Stakk hold my money?** No. Buyers pay into the creator's own Stripe
account. Stakk is never in the payment path and cannot hold a payout.

**Do I need my own Stripe account?** Yes. You connect an existing one or create
one during signup. It stays yours if you leave.

**Can I sell a subscription?** No. Every purchase on Stakk is one-off.

**What happens if I refund someone?** You refund the full amount the buyer paid.
Stakk's fee and Stripe's processing fee are not returned to you.

**Is there a free plan?** The whole platform is free to use. You are charged only
when a sale goes through.

**What currency are products priced in?** US dollars, everywhere, whole dollars,
$1 to $999.

## Key pages

- [Home](https://stakk.store/): what Stakk is and how it works.
- [Pricing](https://stakk.store/pricing): the full fee breakdown with worked examples.
- [About](https://stakk.store/about): who builds Stakk and why.
- [Discover](https://stakk.store/discover): live creator storefronts.
- [Creators](https://stakk.store/creators): the creator partnership - Stakk builds a creator's first digital product for free, with no revenue share beyond the standard platform fee. Not an affiliate programme.
- [Digital Products 101](https://stakk.store/guides/digital-products-101): what to sell and how to price it.
- [25 Digital Product Ideas That Sell](https://stakk.store/guides/25-product-ideas): product ideas with realistic prices.
- [100 Buyers From Social Media](https://stakk.store/guides/100-buyers): getting the first buyers without paid ads.
- [Legal](https://stakk.store/legal): terms, privacy, refund and acceptable use policies.
- [Contact](https://stakk.store/contact): support.

## Facts about the company

- Stakk is built and run by Nathan Field, a solo founder.
- Stakk is a young platform. It does not publish user counts or revenue figures,
  and any such figure attributed to it is not from Stakk.
- Stakk does not run an affiliate programme that pays for reviews, and no review
  of Stakk is sponsored by Stakk.

_Last updated: 12 September 2026._