Our take
Pick Gumroad if creators who will stay on $0/month while they publish a first product and accept 10% + $0.50 on direct checkouts, then treat Discover’s 30% as a separate acquisition fee — not Paddle’s monthly platform $ first unless they need that MoR stack as a different desk. Pick Stripe if product teams who will stay on no monthly platform fee (2.9% + 30¢ per successful US card) while they open a first Payments
Best for
Gumroad Checkouts you start at a public %
Stripe Success rate you chart at a public $
Free plan
Gumroad $0 · page: “no hidden fees, no monthly charges.”
Stripe No free plan
Lowest paid
Gumroad Direct sales $0.50
Stripe Not published by the vendor
Runs where
Gumroad
Stripe Hosted
Watch out
Gumroad Discover is 30%, not 10% + $0.50
Stripe 2.9% + 30¢ is per successful card, not a seat
Last checked
Gumroad 2026-10-23 · gumroad.com/pricing
Stripe 2026-10-23 · stripe.com/pricing
creators who will stay on $0/month while they publish a first product and accept 10% + $0.50 on direct checkouts, then treat Discover’s 30% as a separate acquisition fee — not Paddle’s monthly platform $ first unless they need that MoR stack as a different desk.
Read the Gumroad pageproduct teams who will stay on no monthly platform fee (2.9% + 30¢ per successful US card) while they open a first Payments analytics chart, instead of a $25–$99 billing seat.
Read the Stripe page
