Rates checked Oct 11, 2026
Gumroad Fee Calculator
Gumroad's fee is not the flat 10% many guides quote. Direct sales pay 10% + $0.50 plus card or PayPal processing on top, and Discover marketplace sales cost a flat 30%. Pick your sale type to see exactly what you keep, or reverse it to find the price that nets a target.
Gumroad charges 10% + $0.50 on every direct sale in 2026, plus payment processing of 2.9% + $0.30 for cards or 3.49% + $0.49 for PayPal, so a $40 direct sale nets you about $34.04. Sales through Gumroad Discover cost a flat 30% with processing included. There is no monthly fee.
How Gumroad fees work in 2026
Gumroad has two fee tiers. A direct sale, where the buyer comes through your own link, your profile, or an embedded checkout, is charged 10% + $0.50 as the platform fee, and payment processing is charged on top: about 2.9% + $0.30 for cards or 3.49% + $0.49 for PayPal. A Discover sale, where the buyer found your product by browsing Gumroad's marketplace, costs a flat 30% with processing already included. There is no monthly fee, so you only pay when you sell.
Gumroad is the merchant of record, which means it handles global VAT and sales tax for you, a real saving on administration if you sell to buyers abroad.
The formulas
- Direct card sale fee = price × 12.9% + $0.80 (10% + $0.50 platform, 2.9% + $0.30 processing).
- Direct PayPal sale fee = price × 13.49% + $0.99.
- Discover sale fee = price × 30%.
- Price to charge to keep a target = (target + fixed) ÷ (1 − rate).
Worked examples
A $29 template sold direct by card: Gumroad takes $3.40 (10% + $0.50) and processing takes $1.14, so fees total $4.54 and you keep $24.46.
A $5 direct sale by card: $1.00 platform + $0.45 processing = $1.45 in fees, so you keep only $3.55, an effective rate of 29%. The $0.50 and $0.30 fixed fees bite hardest at low prices.
The same $29 template sold through Discover costs a flat 30%, $8.70, so you keep $20.30. Discover is worth it only if it brings you a buyer you would not have reached yourself.
Ways to pay less
Drive your own traffic so sales land on the direct tier instead of Discover: most established sellers link their own checkout everywhere. Avoid PayPal checkout when you can, since its processing (3.49% + $0.49) costs more than cards (2.9% + $0.30). And price low-cost products with the fixed fees in mind: below about $10, a platform with lower fixed fees, or plain Stripe, can cost noticeably less.
Related tools
For recurring membership income instead of one-off sales, use our Patreon fee calculator. Marketplace sellers should compare with the Etsy fee calculator and the eBay fee calculator, and the payment processor comparison lines up Stripe, Square, and PayPal for sellers who run their own checkout.
Limitations
Rates are Gumroad's published pricing. Gumroad does not return its fees when you refund a buyer, so a refund costs you the sale and the fees. Non-USD sales add a currency conversion charge of about 1%. Sales tax handling varies by buyer location; Gumroad collects it as merchant of record but it affects your listed prices in some regions. Rates change; verify before setting prices.
Sources
Gumroad's fees (help article), checked October 11, 2026.
Planning estimate only. Results use the list prices shown and may differ from your actual bill. Terms
Frequently asked questions
How much does Gumroad charge per sale?
On a direct sale: 10% + $0.50 platform fee plus payment processing (about 2.9% + $0.30 for cards, 3.49% + $0.49 for PayPal). On a Discover marketplace sale: a flat 30% with processing included. There is no monthly fee.
Why is Gumroad not just a flat 10%?
The 10% is only the platform fee on direct sales. The $0.50 fixed fee and separate payment processing are charged on top, so the real rate on a $40 direct card sale is about 14.9%, and on a $5 sale it is about 29%.
What is the difference between a direct and a Discover sale?
A direct sale comes from your own link, profile, or embedded checkout and costs 10% + $0.50 plus processing. A Discover sale comes from a buyer browsing Gumroad's marketplace and costs a flat 30%, processing included. You cannot fully opt a listed product out of Discover.
Does Gumroad refund its fee if I refund a buyer?
No. Gumroad keeps its fees on refunded sales, so a refund costs you the sale and the fees. Factor your refund rate into pricing.
Is there a monthly fee on Gumroad?
No. Gumroad charges nothing to sign up and takes a cut only when a sale happens, which makes it cheap for products that sell slowly but expensive per sale at volume.
Is it cheaper to take PayPal or card payments on Gumroad?
Cards. Card processing is about 2.9% + $0.30 while PayPal processing is 3.49% + $0.49. On a $40 sale the PayPal route costs about $0.44 more.
What is the cheapest price to sell on Gumroad?
There is no minimum, but the $0.50 + $0.30 fixed fees make prices under about $10 expensive in percentage terms: a $5 sale loses roughly 29% to fees. Consider pay-what-you-want with a higher suggested price, or a different platform, for very cheap items.
Does Gumroad handle sales tax?
Yes. Gumroad acts as the merchant of record and collects and remits VAT and sales tax for you, which saves real administrative work if you sell internationally.
How does Gumroad compare to Stripe for selling downloads?
Plain Stripe costs 2.9% + $0.30 with no platform percentage, so it is much cheaper per sale, but you handle delivery, tax, and checkout yourself. Gumroad's roughly 13-15% all-in cost on a $40 sale buys you hosting, delivery, tax handling, and a checkout.
How do I get paid on Gumroad?
Gumroad pays out to your bank account on a weekly schedule in most regions, with a small payout delay after each sale. Payout minimums and timing vary by country.