Gumroad vs Creem
On a typical month ($29 product, 100 sales, half from abroad, subscriptions), Creem costs about $274 less in fees than Gumroad. Gumroad: 10% + $0.50, plus card processing of 2.9% + $0.30. Creem: 3.9% + $0.40. Change the numbers below to see your own case.
What lands in your bank, Gumroad vs Creem
Estimate from published rates. "Foreign cards" means outside each provider’s home market (the US for most, the EEA for AgentaOS). Payout fees use one payout a month. AgentaOS fixed fees are in euros; amounts are shown in one currency for comparison. Card fees inside Gumroad and Payhip use a typical 2.9% + $0.30.
Fees, payouts and tax, side by side
| Gumroad | Creem | AgentaOS | |
|---|---|---|---|
| Fee per sale | 10% + $0.50, plus card processing of 2.9% + $0.30 | 3.9% + $0.40 | 4.5% + €0.50, +1.5% international |
| Payout | Free from a $100 balance | $7 or 1%, whichever is higher | 1% (min €1) plus bank cost |
| Merchant of record (files sales tax and VAT) | Yes | Yes | Yes |
| Best for | simple digital downloads with a marketplace | the lowest fee per sale | AI agents running billing, and payouts where Stripe does not reach |
Published prices: Gumroad checked 14 Oct, Creem 6 Oct, AgentaOS 15 Oct 2026. AgentaOS is one of the providers compared.
Straight answers
Is Gumroad cheaper than Creem?
In our default example ($29 product, 100 sales a month, half of buyers abroad, subscriptions) Creem costs about $274 less a month. The answer changes with your price and how many buyers pay with foreign cards, so use the calculator.
What does Gumroad charge in 2026?
10% + $0.50, plus card processing of 2.9% + $0.30. Payouts: Free from a $100 balance. Checked 14 Oct 2026 on Gumroad’s pricing page.
What does Creem charge in 2026?
3.9% + $0.40. Payouts: $7 or 1%, whichever is higher. Checked 6 Oct 2026 on Creem’s pricing page.
Which is better, Gumroad or Creem?
Gumroad suits simple digital downloads with a marketplace. Creem suits the lowest fee per sale.
Is there another option?
AgentaOS is a merchant of record at 4.5% + €0.50 (4% + €0.40 on Pro), the one your AI agent can run over MCP, and it pays out in many countries Stripe does not reach. Creem (3.9% + $0.40) and Dodo (4% + $0.40) have lower headline rates. AgentaOS wrote this page.
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