How much does Gumroad take?
Gumroad charges one flat rate per sale with payment processing already included, which makes it simple to model but expensive at volume.
Gumroad takes a flat 10% of each sale, processing included. On a $29 product you keep about $26.10 with no monthly fee.
Run your own numbers
At $29.00 × 50/month, Your own store (Stripe) keeps you the most: $1,392.95 net per month ($27.86 per sale).
| Platform | Fee % | Flat | Monthly | You keep / sale | Net / month | Effective rate |
|---|---|---|---|---|---|---|
| Your own store (Stripe)Card processing only; you keep the customer. | $27.86 | $1,392.95 | 3.9% | |||
| Payhip (free)5% Payhip fee plus your processor's cut. | $27.55 | $1,377.50 | 5.0% | |||
| Shopify BasicSubscription plus Shopify Payments. | $27.86 | $1,353.95 | 6.6% | |||
| Lemon SqueezyMerchant of record — handles sales tax. | $27.05 | $1,352.50 | 6.7% | |||
| GumroadFlat 10% per sale, processing included. | $26.10 | $1,305.00 | 10.0% | |||
| Payhip (Pro)0% platform fee, processor only. | $27.86 | $1,293.95 | 10.8% | |||
| EtsyTransaction + payment processing + listing fee. | $25.80 | $1,289.75 | 11.1% |
Defaults use each platform's published 2026 rates. Rates change — edit any cell to match your plan or region before deciding.
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What the 10% covers
Card processing, hosting and file delivery, licence keys, VAT handling in most regions, and the checkout itself. There's no monthly cost, so a slow month costs you nothing.
Because processing is bundled, the honest comparison against your own Stripe store is 10% versus roughly 3.2% plus the work of running checkout and delivery yourself.
Where the crossover sits
At low volume, Gumroad usually wins: no subscription, nothing to maintain. Past a few thousand dollars a month the flat 10% starts to cost more than a subscription platform or your own store.
Run your real price and monthly units through the calculator below — it sorts every platform by what you'd actually keep, including monthly costs.
Questions
- Does Gumroad take a cut of free products?
- No. With no payment there's no fee, which makes Gumroad workable for lead magnets alongside paid files.
- Is Gumroad cheaper than Etsy?
- Usually slightly more expensive per sale — 10% versus roughly 9.5% plus fees on Etsy — but Gumroad has no listing fee and lets you keep the customer relationship.
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