Fee and net payout on a $29 sale
Payhip's paid plans take less per sale, $1.72 on Payhip Plus (net payout $27.28) and $1.14 on Payhip Pro (net payout $27.86), but cost $29.00 and $99.00 a month.
| Platform and plan | Fee formula | Fee | Net payout | Fee as % of price | Monthly plan fee |
|---|---|---|---|---|---|
| Gumroad (direct sale, no monthly plan) Gumroad fee plus card processing. This is the seller's total. | (10% x 29.00 + 0.50) + (2.9% x 29.00 + 0.30) = 2.90 + 0.50 + 0.84 + 0.30 = 4.54 |
$4.54 | $24.46 | 15.66% | $0.00 |
| Gumroad fee alone, before card processing Breakdown of the row above, not the seller's total. The seller receives the net payout in the row above. | (10% x 29.00 + 0.50) = 2.90 + 0.50 = 3.40 |
$3.40 | $25.60 | 11.72% | $0.00 |
| Payhip Free Forever Includes Stripe US domestic card processing. | (5% x 29.00) + (2.9% x 29.00 + 0.30) = 1.45 + 0.84 + 0.30 = 2.59 |
$2.59 | $26.41 | 8.93% | $0.00 |
| Payhip Plus Includes Stripe US domestic card processing. | (2% x 29.00) + (2.9% x 29.00 + 0.30) = 0.58 + 0.84 + 0.30 = 1.72 |
$1.72 | $27.28 | 5.93% | $29.00 |
| Payhip Pro Includes Stripe US domestic card processing. | (0% x 29.00) + (2.9% x 29.00 + 0.30) = 0.00 + 0.84 + 0.30 = 1.14 |
$1.14 | $27.86 | 3.93% | $99.00 |
| Etsy (standard shop, Etsy Payments, US bank account) Includes Etsy Payments processing and one listing fee. | (0.20) + (6.5% x 29.00) + (3% x 29.00 + 0.25) = 0.20 + 1.89 + 0.87 + 0.25 = 3.21 |
$3.21 | $25.79 | 11.07% | $0.00 |
Every plan row includes payment processing for a US card, so the rows can be compared directly. The Gumroad row is the Gumroad fee (10% + $0.50 on a direct sale) plus credit card processing (2.9% + $0.30), which Gumroad's help article on its fees lists as separate from the Gumroad fee. A Gumroad sale paid with PayPal carries PayPal's fee in place of card processing; Gumroad's article gives no rate for it, so no PayPal figure is shown.
The arithmetic for each row at $29
The net payout is the price minus the fee. Each percentage part is rounded half-up to the cent before the parts are added. The fee as a percentage of the price is the fee divided by the price, rounded to two decimals.
Gumroad, direct sale
- Gumroad fee: 10% x 29.00 = 2.90; plus 0.50 = 3.40
- Card processing: 2.9% x 29.00 = 0.841, rounds to 0.84; plus 0.30 = 1.14
- Fee: 3.40 + 1.14 = 4.54
- Net payout: 29.00 - 4.54 = 24.46
- Fee as % of price: 4.54 / 29.00 = 15.655...%, rounds to 15.66%
Gumroad fee alone, before card processing
- Fee: 10% x 29.00 = 2.90; plus 0.50 = 3.40
- Price minus this part of the fee: 29.00 - 3.40 = 25.60. The seller does not receive this amount; card processing of 1.14 still comes off.
- This part as % of price: 3.40 / 29.00 = 11.724...%, rounds to 11.72%
Payhip Free Forever
- Payhip fee: 5% x 29.00 = 1.45
- Stripe, US domestic card: 2.9% x 29.00 = 0.841, rounds to 0.84; plus 0.30 = 1.14
- Fee: 1.45 + 1.14 = 2.59
- Net payout: 29.00 - 2.59 = 26.41
- Fee as % of price: 2.59 / 29.00 = 8.931...%, rounds to 8.93%
Payhip Plus ($29 a month)
- Payhip fee: 2% x 29.00 = 0.58
- Stripe, US domestic card: 2.9% x 29.00 = 0.841, rounds to 0.84; plus 0.30 = 1.14
- Fee: 0.58 + 1.14 = 1.72
- Net payout: 29.00 - 1.72 = 27.28
- Fee as % of price: 1.72 / 29.00 = 5.931...%, rounds to 5.93%
Payhip Pro ($99 a month)
- Payhip fee: 0% x 29.00 = 0.00
- Stripe, US domestic card: 2.9% x 29.00 = 0.841, rounds to 0.84; plus 0.30 = 1.14
- Fee: 0.00 + 1.14 = 1.14
- Net payout: 29.00 - 1.14 = 27.86
- Fee as % of price: 1.14 / 29.00 = 3.931...%, rounds to 3.93%
Etsy, standard shop with Etsy Payments
- Listing fee: 0.20
- Transaction fee: 6.5% x 29.00 = 1.885, rounds to 1.89
- Etsy Payments processing: 3% x 29.00 = 0.87; plus 0.25 = 1.12
- Fee: 0.20 + 1.89 + 1.12 = 3.21
- Net payout: 29.00 - 3.21 = 25.79
- Fee as % of price: 3.21 / 29.00 = 11.068...%, rounds to 11.07%
Assumptions
- The seller is based in the United States and has a US bank account.
- Listing, sale and payout are all in USD. No currency conversion.
- One digital product, no shipping, one unit per order, no discount code, no refund and no chargeback.
- A direct sale: the buyer did not arrive through Gumroad Discover or through an Etsy Offsite Ad.
- The buyer pays with a US-issued card, not with PayPal. No international-card surcharge.
- The price is the pre-tax amount. Sales tax or VAT added at checkout is ignored.
- Monthly plan fees are not spread across sales. Payhip Plus ($29 a month) and Payhip Pro ($99 a month) are shown in their own column.
- Etsy: one $0.20 listing fee is counted for each sale.
- Gumroad: the seller's paid sales in the calendar month are below $20,000, so the 10% + $0.50 fee applies.
- Rounding: each percentage part is rounded half-up to the cent, then the parts are added. A platform's own rounding may differ by a cent.
Published fees that are left out because of these assumptions: the Gumroad Discover fee (30%), the Gumroad high-volume rate (5% + $0.50), the Etsy Offsite Ads fee (15%) and the Etsy currency conversion fee (2.5%). PayPal's fee on a Gumroad or Payhip sale and Etsy's regulatory operating fee could not be confirmed and are also left out. The main comparison page explains each one.
How this page was made and its sources
Compiled with AI assistance. The fee figures were checked against the platforms' public pricing pages on 2026-10-04. Fees change.
An automated fetcher read each source page and recorded the quoted fee text, and every figure in the table is computed from those recorded fees with the formulas shown above. Source pages:
https://gumroad.com/pricinghttps://github.com/antiwork/gumroad/blob/main/app/views/help_center/articles/contents/_66-gumroads-fees.html.erbhttps://payhip.com/pricinghttps://stripe.com/pricinghttps://www.etsy.com/sell
Gumroad's pricing page gives the 10% + $0.50 fee. The card processing rate of 2.9% + $0.30 comes from the second source in the list: the template of Gumroad's help article "Gumroad's fees" in Gumroad's own open-source repository. The same article on Gumroad's help site returned only its title to the automated fetcher on 2026-10-04, so the rate was read from the repository file and not from the rendered help page.
Not affiliated with or endorsed by Gumroad, Payhip or Etsy. Their names are used only to describe their published fees.
Other prices
- Gumroad vs Payhip vs Etsy fees per sale at $9, $29 and $79 (all three prices in one table)
- Fees on a $9 digital product
- Fees on a $79 digital product