Gumroad vs Payhip
On a typical month ($29 product, 100 sales, half from abroad, subscriptions), Payhip costs about $195 less in fees than Gumroad. Gumroad: 10% + $0.50, plus card processing of 2.9% + $0.30. Payhip: 5% on the free plan, plus Stripe or PayPal fees (about 2.9% + $0.30). Payhip is not a merchant of record, so sales tax and VAT filing stay with you. Change the numbers below to see your own case.
What lands in your bank, Gumroad vs Payhip
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 | Payhip | AgentaOS | |
|---|---|---|---|
| Fee per sale | 10% + $0.50, plus card processing of 2.9% + $0.30 | 5% on the free plan, plus Stripe or PayPal fees (about 2.9% + $0.30) | 4.5% + €0.50, +1.5% international |
| Payout | Free from a $100 balance | Through Stripe or PayPal | 1% (min €1) plus bank cost |
| Merchant of record (files sales tax and VAT) | Yes | No, you file | Yes |
| Best for | simple digital downloads with a marketplace | a full storefront if Stripe or PayPal already works for you | AI agents running billing, and payouts where Stripe does not reach |
Published prices: Gumroad checked 14 Oct, Payhip 17 Oct, AgentaOS 15 Oct 2026. AgentaOS is one of the providers compared.
Straight answers
Is Gumroad cheaper than Payhip?
In our default example ($29 product, 100 sales a month, half of buyers abroad, subscriptions) Payhip costs about $195 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 Payhip charge in 2026?
5% on the free plan, plus Stripe or PayPal fees (about 2.9% + $0.30). Payouts: Through Stripe or PayPal. Checked 17 Oct 2026 on Payhip’s pricing page.
Which is better, Gumroad or Payhip?
Gumroad suits simple digital downloads with a marketplace. Payhip suits a full storefront if Stripe or PayPal already works for you. Payhip is not a merchant of record, so sales tax and VAT filing stay with you.
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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