Gumroad vs Payhip: Fees Compared (Keep More of Your Money)
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TL;DR: On fees, Payhip wins at every sales volume I ran the numbers for: its free plan takes 5% per sale against Gumroad’s 10% + $0.50, and paid Payhip plans push your fee to 2% or 0%. Start on Payhip’s free plan here if keeping more per sale is the goal. Gumroad still earns its cut if you want marketplace exposure through Discover and completely hands-off sales tax.
Gumroad and Payhip solve the same problem: sell a digital product without building a store. Both let you start with no monthly fee, both handle file delivery and checkout, and both take a slice when you sell. The slices are very different sizes, and since fees quietly decide how much of your work you keep, this comparison is mostly math. I’ll show my numbers so you can check them against your own products.
The fee structures, side by side
| Gumroad | Payhip | |
|---|---|---|
| Monthly cost | $0 | $0 (Free), $29 (Plus), $99 (Pro) |
| Fee per direct sale | 10% + $0.50 | 5% (Free), 2% (Plus), 0% (Pro) |
| Marketplace sales | 30% via Gumroad Discover | No marketplace |
| Payment processing | No separate line on their pricing page | Stripe/PayPal standard rates on top |
| Tax handling | Merchant of record since January 2025; handles sales tax worldwide | Collects and remits EU and UK VAT on digital sales |
One honest wrinkle before the math: Payhip’s percentages exclude payment processing (in the US, Stripe’s standard card rate is 2.9% + $0.30), while Gumroad’s pricing page lists no separate processing line. To keep the comparison fair, I’ve added full Stripe processing to Payhip’s side in every scenario below. Payhip still comes out cheaper each time.
The math at three revenue levels
Assume a $20 product. Here’s what each platform takes per month, with Stripe processing added on top of Payhip’s cut.
| Monthly sales | Gumroad (10% + $0.50) | Payhip Free (5% + processing) | Payhip Plus ($29 + 2% + processing) |
|---|---|---|---|
| 25 sales ($500) | $62.50 | $47 | $61 |
| 100 sales ($2,000) | $250 | $188 | $157 |
| 250 sales ($5,000) | $625 | $470 | $349 |
At $5,000 a month, Payhip’s Pro plan ($99, 0% platform fee) beats everything: $99 plus roughly $220 of processing is $319, half of Gumroad’s $625. The gap widens as you grow, because a flat 10% scales with your success and a flat $99 doesn’t.
The upgrade points are worth memorizing. Payhip Plus starts beating the Free plan just under $1,000 a month in sales, and Pro overtakes Plus around $3,500 a month. Below those lines, stay on the cheaper plan; the beauty of Payhip’s pricing is that every feature is included at every level, so upgrading is purely a fee decision.
What the fee table doesn’t tell you
If fees were the whole story, this post would be over. Three things genuinely favor Gumroad.
Sales tax, handled completely. Since January 2025, Gumroad acts as merchant of record: it collects and remits sales tax worldwide, and legally it is the seller. For creators with buyers in many countries, that removes a real administrative burden. Payhip handles the biggest chunk (EU and UK VAT on digital products) but other jurisdictions remain your homework.
Discover, the built-in marketplace. Gumroad can send you buyers you didn’t earn through its Discover feed, at a steep 30% fee on those sales. Thirty percent of a sale you’d never have made is a fine deal; just don’t build a business plan on marketplace traffic, because for most sellers it stays a trickle.
Familiarity. Buyers have seen Gumroad checkouts for years. It’s a small trust advantage, and smaller every year.
On the other side, Payhip’s structural advantage beyond fees: your money lands directly in your own Stripe or PayPal account at the moment of sale, rather than flowing through a platform payout schedule, and every feature (coupons, your own affiliate program, memberships, courses) is available on the $0 plan.
Verdict: who should pick what
- You have an audience (blog, list, socials) and sell direct: Payhip, no contest. The 5% free plan keeps the most money in your pocket at the start, and the paid tiers scale cheaper than 10% + $0.50 ever will.
- You have zero audience and hope the platform brings buyers: Gumroad’s Discover is the only marketplace option here, but temper expectations and mind the 30%. Building your own audience remains the real fix; my ultimate guide to blogging is where I’d start.
- You sell globally and dread tax admin: Gumroad’s merchant-of-record setup is genuinely valuable, and for some sellers worth the higher fee.
- You’re scaling past a few thousand a month: Payhip Pro turns your platform fee into a flat $99, which is where serious margins live.
Whichever you pick, sell through an email list rather than hoping for passing traffic; my ultimate guide to email marketing covers building the asset that makes any store work.
FAQ
What fees does Gumroad charge?
Gumroad charges 10% + $0.50 per sale made through your own links or profile, with no monthly cost. Sales that come through its Discover marketplace carry a 30% fee instead. Since January 2025, Gumroad is merchant of record and handles sales tax worldwide.
What fees does Payhip charge?
Payhip’s Free Forever plan charges 5% per sale with no monthly cost. Plus is $29 a month with a 2% fee, and Pro is $99 a month with 0%. Stripe or PayPal processing fees apply on top of every plan.
Is Payhip cheaper than Gumroad?
For direct sales, yes, at every volume I’ve modeled, even after adding full Stripe processing to Payhip’s side. The gap grows with revenue: at $5,000 a month on a $20 product, Payhip Pro costs roughly half of what Gumroad’s 10% + $0.50 works out to.
Do I pay Stripe or PayPal fees on both platforms?
On Payhip, yes: the processors charge their standard rates on top of Payhip’s percentage. Gumroad’s pricing page doesn’t list a separate processing fee alongside its 10% + $0.50. The comparison table above adds processing to Payhip’s side, so the totals stay honest.
Who handles VAT and sales tax?
Gumroad handles it all as merchant of record. Payhip automatically collects and remits EU and UK VAT on digital products, and leaves other jurisdictions to you. If most of your buyers are in the EU, UK or US, Payhip covers the hard part; a truly global audience tilts this point toward Gumroad.
Run the numbers on your own product price and volume, but the pattern holds: the platform fee is the biggest lever on your margins, and it’s the one you control today. Open a free Payhip store, keep 95% instead of roughly 87%, and let the difference compound with every sale.










