Yes. On a fully refunded order Gumroad returns the money to the buyer but keeps its 10% + $0.50 platform fee. On a $297 sale that is $30.20 gone on an order that produced no revenue. Most modern processors and merchants of record return the percentage fee or charge a small flat refund fee instead, which makes Gumroad's policy an outlier.
If you offer a money-back guarantee on high-ticket products, model your expected refund rate into your pricing before you set it.
It depends entirely on your volume. Below roughly $400/month in sales, a percentage platform with no subscription is cheapest — Whop at 3% on gated sales, or Payhip's free plan at 5%. Above that, a flat-fee store like Sellfy or SendOwl at 0% commission starts to win because your costs stop scaling with your revenue.
The break-even is simply your monthly subscription divided by the percentage you would otherwise pay. A $29 plan replacing a 10% fee pays for itself at $290 in monthly sales.
Both, depending on what you sell. The 3% platform fee applies to sales that use Whop's access automations — paid Discord or Telegram access, licence keys, TradingView gating, recurring memberships with access control. Card processing of 2.7% + $0.30 is charged separately, so a typical gated sale is about 5.7% + $0.30, or 6.3% effective on a $50 product.
If you sell a plain download with no automations, the platform fee does not apply and you pay processing only. International cards add roughly 1.5%, with about 1% again for currency conversion, and payouts have their own small fees.
Yes. Neither Gumroad nor any alternative on this site requires exclusivity. Running both is the correct way to switch: duplicate one product, send the same traffic to each, and compare a full month of actual payouts rather than guessing from fee tables.
They do not move with you. Active recurring subscriptions cannot be silently transferred between platforms, because the payment authorisation belongs to the original platform. Your subscribers have to re-subscribe on the new one, which means asking them directly — and you should expect to lose a percentage in the process.
This is the strongest argument for moving a new product first rather than migrating an established membership.
Possibly, and this is the one place where Gumroad's fee buys something real. Gumroad has been a full merchant of record since January 2025, which means it calculates, collects and remits VAT, GST and US sales tax worldwide on your behalf at no extra charge. Lemon Squeezy and Paddle do the same.
Whop, Payhip, Sellfy and most flat-fee stores are not merchants of record in the same way. Taxes are generally charged to the buyer where required, but the compliance relationship is different. If you sell internationally at any real scale, get proper tax advice for your own situation before you move revenue — nothing on this site is tax advice.
Because you are buying customer acquisition, not just payment processing. When a buyer finds your product inside Gumroad's own marketplace rather than arriving from your link, Gumroad charges a flat 30% with processing included. That is the price of the traffic.
Whop removed its equivalent 30% marketplace commission in May 2025, so marketplace sales there are billed at the same rate as direct sales. If platform discovery is a meaningful share of your revenue, that single difference is usually larger than the difference in base rates.
Not only, but that is where its audience is concentrated. Whop's buyer base skews young and business-oriented — trading, crypto, sports betting, reselling, ecommerce, agency and AI tooling dominate the marketplace. Whop reported over $400M paid out to creators in 2025, and most of it sits in those categories.
If your product is a set of Lightroom presets or a knitting pattern, the fee advantage is real but the marketplace will not find you buyers. Judge it on the fee alone in that case, and compare it against Payhip or a flat-fee store too.
Yes. Reviews are platform-owned and do not transfer. A listing with hundreds of ratings on Gumroad starts at zero everywhere else, and that costs you conversion for the first few weeks until you rebuild social proof.
Plan for it: ask your first buyers on the new platform for a review explicitly, and do not judge the experiment on week one.
Every rate here was checked against the platforms' own public pricing and fee documentation in July 2026. Creator-platform pricing changes often — Gumroad alone has restructured its fees several times since 2012 — so treat these figures as a starting point and confirm the current rate on the platform's official pricing page before you make a decision.
If you spot something out of date, it is worth telling us. We would rather be correct than convenient.
Elsewhere on this site
Still deciding?
The cheapest way to answer this is to run both for a month. Opening a Whop is free and you do not have to close anything to try it.
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