How much does Gumroad take? Fees in 2026
Gumroad takes 10% plus 50¢ a sale, and card fees come on top. Here's every fee, what a $15 sale and a $5 member really leave you, and how to keep more.
Gumroad takes 10% plus 50¢ a sale, and that’s before card fees. Its pricing page leads with that one number and never mentions card processing. Its help center does: the fee “does not include” credit card processing of 2.9% + $0.30, or PayPal’s fees.
This guide walks through every fee Gumroad charges as of October 2026, using Gumroad’s own pricing and help pages. Then it works out what real sales leave you with. Everything is in US dollars, before sales tax.
The short answer
| Fee | What it costs | When it applies |
|---|---|---|
| Gumroad’s fee | 10% + 50¢ | Every sale through your profile or your own links |
| High-volume rate | 5% + 50¢ | Direct sales after your first $20,000 in a calendar month |
| Card processing | 2.9% + 30¢ | Card sales, on top of Gumroad’s fee |
| Discover marketplace | 30%, processing included | Sales to new customers who find you on Gumroad Discover |
| Gumroad Affiliates | 10% of the sale | Sales referred by someone in Gumroad’s affiliate program |
| PayPal payout | 2% | Payouts to PayPal, where Gumroad can’t pay a bank in your country |
| Instant payout | 3% | US creators who choose to be paid within minutes |
| Monthly fee | None | Gumroad has no monthly plans |
On a $15 sale through your own link, paid by card, you keep about $12.26. On a $5 membership, about $3.55. The fixed 50¢ and 30¢ take a much bigger bite out of small prices.
Gumroad’s fee: 10% plus 50¢
Gumroad has no plans to choose from and no monthly bill. It takes a cut of each sale instead: 10% plus 50¢ for every sale made through your Gumroad profile or a link you share. Memberships pay it on every charge, so a $5 monthly member costs you $1.00 in Gumroad fees each month. That’s 20% before card processing.
There’s one discount, and it only helps big sellers. Once your paid sales in a calendar month reach $20,000, new direct sales that month pay 5% + 50¢. It resets on the 1st. A refund that takes you back under $20,000 puts you back on 10% + 50¢ until you cross it again. The 50¢ stays either way, and Discover sales stay at 30%.
Card processing comes on top
Gumroad’s 10% + 50¢ doesn’t cover the cost of taking a card payment. That’s charged separately, at 2.9% + 30¢ a sale. Buyers who pay with PayPal through your connected PayPal account cost you PayPal’s fees instead.
On a $15 sale, processing is about 74¢. On a $5 sale, it’s about 45¢, so the fixed 30¢ hurts small prices most, just like the 50¢.
Some older accounts connect their own Stripe account and pay Stripe directly. Gumroad no longer allows new Stripe connections, except for creators in Brazil, so new sellers pay processing through Gumroad.
Discover: a flat 30%
Gumroad Discover is Gumroad’s marketplace. When a new customer finds and buys your product there, Gumroad takes a flat 30%, with processing included. On a $15 sale, that’s $4.50. The high-volume discount doesn’t change it.
Discover is on for every product by default, once your account qualifies. To keep a product off it, you remove the product’s category.
Products on Discover are also opted into Gumroad Affiliates automatically. Anyone in that program can share a link to your product and earn a fixed 10% of the sale. Fees are split between you and the affiliate in proportion to that 10%, so on those sales you keep about 90% of what’s left. You can opt out from your affiliates dashboard, and opting out covers all your products.
Sales tax and VAT
Since January 1, 2025, Gumroad has been the merchant of record for all sales. Gumroad collects sales tax and VAT where it applies and pays it to tax offices, and its tax settings are switched off in your dashboard.
VAT goes on top of your price. Asked if you can make VAT part of your price, Gumroad’s help page answers “No.” So a $15 download costs a buyer in the EU $15 plus their country’s VAT.
Getting paid
Sales land in your Gumroad balance first, and Gumroad pays you from there. That brings its own rules and costs:
| How you’re paid | Fee | Minimum payout | Good to know |
|---|---|---|---|
| Bank deposit | None listed | $100, more in some countries | Takes 2 to 7 business days |
| PayPal | 2% | $100 | Only where Gumroad can’t pay a bank in your country; paid in USD |
| Instant payout | 3% | $1 | US creators only, up to $10,000, after 60 days and one payout |
On weekly, monthly and quarterly payouts, each sale waits at least 7 days in your balance before it can be paid out. Daily payouts skip the wait, but only for eligible US accounts that have had at least four payouts.
New accounts also go through a review that can take 1 to 3 weeks. Every payout day before your account is reviewed is skipped. Your money stays in your balance, but it doesn’t reach you.
If you’re paid in another currency, Gumroad converts your sales at the exchange rate on the day of each sale. Gumroad doesn’t list a separate fee for that.
Refunds and chargebacks
When you refund a sale, Gumroad gives back its own fee on the refunded part but keeps the card processing part. You need enough in your Gumroad balance to cover the refund, or you have to wait for more sales first.
A chargeback is when a buyer’s bank takes the money back. You cover the refunded amount and the processing fees, and Gumroad returns its platform fee. If disputes go above 1% of your sales volume, Gumroad pauses your payouts until the rate comes back down.
What sales actually leave you
Take an example month. You sell 40 copies of a $15 guide through your own link, and 30 members pay you $5 a month. Everyone pays by card. Processing is worked out on each payment and rounded to the cent.
| 40 sales at $15 | 30 members at $5 | Total | |
|---|---|---|---|
| What buyers paid | $600.00 | $150.00 | $750.00 |
| Gumroad’s 10% | $60.00 | $15.00 | $75.00 |
| Gumroad’s 50¢ per sale | $20.00 | $15.00 | $35.00 |
| Card processing, about | $29.60 | $13.50 | $43.10 |
| You keep | $490.40 | $106.50 | $596.90 |
That’s $153.10 in fees on $750, about 20%. Over a year, it adds up to about $1,837 on $9,000 of sales.
The memberships cost you the most. Fees take $43.50 of the $150 you charged, 29%, because 50¢ plus 30¢ is a lot to lose from $5.
Two things can make it worse:
- If those 40 sales came through Discover, Gumroad would take a flat 30%, or $180. You’d keep $420 instead of $490.40.
- If Gumroad pays you through PayPal, because it can’t pay a bank where you live, the 2% payout fee takes another $11.94.
None of this includes sales tax or VAT, refunds or chargebacks.
Can you pay Gumroad less?
A little, at the edges:
- Sell through your own links. A sale from Discover costs 30%. A sale from your own link costs 10% + 50¢.
- Raise small prices. A $3 product loses about $1.19 to fees, close to 40%. The fixed 80¢ in fees matters less on bigger prices.
- Skip instant payouts. They cost 3%, and regular bank deposits have no fee listed. PayPal payouts cost 2%, but Gumroad only uses them where it can’t pay a bank in your country.
- Opt out of Gumroad Affiliates if you don’t want to pay a 10% commission on referred sales.
- Sell $20,000 in a month. After that, direct sales pay 5% + 50¢ until the 1st.
None of these touch the 10% plus 50¢ that most of your sales will pay.
Keep more of each sale
Drate takes 5% of membership sales on every plan, nothing on downloads and other products you sell in your shop, and no fixed fee on each sale. Members pay through your own Stripe account, and Stripe pays out to your bank, not a platform balance. Card processing costs about what it does on Gumroad: Stripe’s standard US rate is 2.9% + 30¢.
On the same $750 month, the guide sells as a download in your shop, so Drate takes nothing on it. Drate’s 5% of the $150 in memberships is $7.50, against Gumroad’s $110, and Stripe’s card fees come to the same $43.10. You’d keep about $690.40 on Drate Regular at $9 a month, or $687.40 on Pro, which is $12 a month and adds your own iOS and Android app. That’s about $90.50 to $93.50 more each month, or $1,086 to $1,122 a year.
Drate takes less than Gumroad on every sale. Regular’s $9 a month costs less than Gumroad’s extra cut once you sell more than $180 a month, and Pro’s $12 once you sell more than $240, whatever your prices.
You also get more than a checkout: your own website on your own domain, memberships and passes with members-only posts and video, courses and a community, ready in minutes. You’re the seller on Drate, so sales tax and VAT are yours to handle.
See Drate as a Gumroad alternative for the full comparison and how switching works.
Questions
How much does Gumroad take per sale?
Gumroad takes 10% plus 50¢ of each sale through your profile or your own links, and card processing of 2.9% plus 30¢ comes on top. On a $15 sale paid by card, that's $2.00 to Gumroad and about 74¢ for processing, so you keep about $12.26.
How much does Gumroad take on Discover sales?
A flat 30%, with processing included, when a new customer finds and buys your product through Gumroad's Discover marketplace. On a $15 sale, that's $4.50.
Does Gumroad charge a monthly fee?
No. Gumroad has no monthly plans. It takes its fee from every sale instead. Direct sales only drop to 5% plus 50¢ after your first $20,000 of sales in a calendar month, and the count starts again on the 1st.
Does Gumroad take a fee on memberships?
Yes. Each membership charge pays the same 10% plus 50¢, plus card processing. On a $5 monthly membership, Gumroad's fee is $1.00, or 20%, before processing.
When does Gumroad pay you?
Sales land in your Gumroad balance first. On weekly, monthly and quarterly payouts, each sale waits at least 7 days and you need at least $100 to be paid. PayPal payouts cost 2%, and instant payouts, for US creators only, cost 3%.
Does Gumroad give its fee back when you refund a sale?
Partly. Gumroad returns its own fee on the refunded amount but keeps the card processing part. On a chargeback, you cover the refunded amount and the processing fees, and Gumroad returns its platform fee.
Sources
Checked on October 18, 2026. Prices and terms change, so check the latest before you decide.
- Gumroad: Pricinggumroad.com
- Gumroad: Gumroad's feesgumroad.com
- Gumroad: Getting paid by Gumroadgumroad.com
- Gumroad: Payout delaysgumroad.com
- Gumroad: Gumroad Discovergumroad.com
- Gumroad: Affiliates on Gumroadgumroad.com
- Gumroad: Sales tax on Gumroadgumroad.com
- Gumroad: EU & UK VAT on Gumroadgumroad.com
- Gumroad: What currency does Gumroad use?gumroad.com
- Gumroad: Issuing a refundgumroad.com
- Gumroad: Chargebacks on Gumroadgumroad.com
- Gumroad: Connect your Stripe account to Gumroadgumroad.com
- Gumroad: Adding PayPal to checkoutgumroad.com
- Stripe: Pricingstripe.com
