Gumroad vs Payhip cost
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Fees change; confirm on the vendor's pricing page before buying.
Per secondary sources for Gumroad, it takes 10% + 50c per sale plus 2.9% + 30c processing, while Payhip's Free plan takes 5% and charges 2.9% + 30c through your own Stripe. Neither has a monthly fee, so Payhip costs less at every price and revenue level: a $10 sale costs about $1.09 on Payhip versus $2.09 on Gumroad. Gumroad is merchant of record for sales tax, and the data doesn't record that for Payhip.
| Platform / plan | Eligibility | Monthly price | Annual billing / month | Platform fee | Native processing | Own gateway surcharge | Verification / confidence | Sources / notes |
|---|---|---|---|---|---|---|---|---|
| Gumroad / free | eligible | $0.00 | $0.00 | 10% | 2.9% + $0.30 / sale | own-gateway not stated by vendor | Last verified: 2026-11-03 partly from secondary source | Vendor pricing No monthly fee. Gumroad takes 10% + $0.50 per direct sale (30% flat, processing included, on Discover marketplace sales) and is merchant of record (handles sales tax). Gumroad's help center (help article 66, via search summary; page did not render for us) says card processing 2.9% + 30c is charged on top. You cannot bring your own processor. Secondary fields: native_processor |
| Payhip / free | eligible | $0.00 | $0.00 | 5% | 2.9% + $0.30 / sale | 0% | Last verified: 2026-11-03 verified from vendor page 2026-11-03 | Vendor pricing Free Forever plan: all features and unlimited products/revenue, with a 5% Payhip transaction fee. Payhip has no built-in processor; payments go through the seller's own Stripe/PayPal, so native_processor is the Stripe US standard 2.9% + $0.30 (confirmed on help.payhip.com) and own_processor_surcharge_pct is null because there's no native option to compare against. No annual billing is listed on the pricing page. Secondary fields: none recorded |
| Payhip / plus | eligible | $29.00 | contact sales / price unavailable | 2% | 2.9% + $0.30 / sale | 0% | Last verified: 2026-11-03 verified from vendor page 2026-11-03 | Vendor pricing Plus plan: same features as the other plans (no feature gating, unlimited products), with a 2% transaction fee. Processing goes through the seller's own Stripe/PayPal (Stripe US standard 2.9% + $0.30), and there's no native processor. No annual price is listed. Secondary fields: none recorded |
| Payhip / pro | eligible | $99.00 | contact sales / price unavailable | 0% | 2.9% + $0.30 / sale | 0% | Last verified: 2026-11-03 verified from vendor page 2026-11-03 | Vendor pricing Pro plan: no Payhip transaction fee, same features, unlimited products. Stripe/PayPal still charge their standard rates (Stripe US 2.9% + $0.30 via the seller's own account). No annual price is listed, and no course or student limits are stated. Secondary fields: none recorded |
Illustrative annual costs
Annual billing, average sale $100. These estimates use the fee data above and do not assess product features or payment-provider eligibility.
$25,000.00 annual revenue · native processing
| Platform / plan | Eligibility | Subscription / year | Platform fee / year | Processing / year | Gateway surcharge / year | Total / year | Effective take | Status / assumptions | Verification / confidence |
|---|---|---|---|---|---|---|---|---|---|
| 1. Payhip / plus | eligible | $348.00 | $500.00 | $800.00 | $0.00 | $1,648.00 | 3.392% | eligible; no annual billing; monthly price used | Last verified: 2026-11-03 verified from vendor page 2026-11-03 |
| 2. Gumroad / free | eligible | $0.00 | $2,625.00 | $800.00 | $0.00 | $3,425.00 | 10.5% | eligible | Last verified: 2026-11-03 partly from secondary source |
$100,000.00 annual revenue · native processing
| Platform / plan | Eligibility | Subscription / year | Platform fee / year | Processing / year | Gateway surcharge / year | Total / year | Effective take | Status / assumptions | Verification / confidence |
|---|---|---|---|---|---|---|---|---|---|
| 1. Payhip / pro | eligible | $1,188.00 | $0.00 | $3,200.00 | $0.00 | $4,388.00 | 1.188% | eligible; no annual billing; monthly price used | Last verified: 2026-11-03 verified from vendor page 2026-11-03 |
| 2. Gumroad / free | eligible | $0.00 | $10,500.00 | $3,200.00 | $0.00 | $13,700.00 | 10.5% | eligible | Last verified: 2026-11-03 partly from secondary source |
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