# Gumroad Alternatives 2026: Fees From 3.9% vs 10%

> Gumroad takes 10% + $0.50 per sale, plus card fees. Merchants of record such as Creem, Dodo, Polar and AgentaOS charge 3.9% to 5% and file the sales tax for you. Compared October 2026.

Source: https://agentaos.ai/gumroad-alternative (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

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Gumroad alternative

# A Gumroad alternative that *keeps you more*

Gumroad takes 10% + \$0.50 of every direct sale. AgentaOS takes 4.5% + €0.50, and we still handle the tax, invoices and payouts as the official seller. **Courses, digital products, SaaS and IT and digital services.**

€0 account, no cardSell as an individual or a company

**400+**founders**1,400+**payments made since August 2026**190+**countries

Last updated: 1 October 2026

The short answer

## What is the best Gumroad alternative?

**If you already sell on Gumroad, the biggest difference is the fee.** Gumroad charges 10% + \$0.50 per direct sale, and 30% on sales through Gumroad Discover. AgentaOS charges 4.5% + €0.50 per card sale, or 1.5% when the buyer pays by bank transfer. Like Gumroad, we are the Merchant of Record, so sales tax and VAT are ours to file, not yours.

All the options

## Gumroad alternatives in 2026

**The main Gumroad alternatives are Lemon Squeezy, Paddle, Polar, Dodo Payments, Creem, Payhip and AgentaOS.** Every one charges less per sale than Gumroad’s 10% + \$0.50. Creem has the lowest fee per sale; AgentaOS is the one your AI agent can run, with Pricing Intelligence included.

| Alternative | Per sale | Extras |
|:---|:---|:---|
| [Lemon Squeezy](https://agentaos.ai/lemon-squeezy-alternative) | 5% + \$0.50 | +1.5% international, +0.5% subscriptions |
| [Paddle](https://agentaos.ai/paddle-alternative) | 5% + \$0.50 | No international or subscription surcharge |
| [Polar](https://agentaos.ai/polar-alternative) | 5% + \$0.50 (Starter) | +1.5% international |
| [Dodo Payments](https://agentaos.ai/dodo-payments-alternative) | 4% + \$0.40 | +1.5% international, +0.5% subscriptions |
| [Creem](https://agentaos.ai/creem-alternative) | 3.9% + \$0.40 | Payout \$7/€7 or 1% |
| [Payhip](https://agentaos.ai/payhip-alternative) | 5% / 2% / 0% by plan | Plus Stripe or PayPal fees |
| [AgentaOS](https://agentaos.ai/merchant-of-record-for-ai-agents) | 4.5% + €0.50 (Pro 4% + €0.40) | +1.5% outside the EEA on pay as you go |

Each provider’s published price, checked 6 to 17 October 2026. Every fee with sources: [Merchant of Record fees, side by side](https://agentaos.ai/merchant-of-record-fees). AgentaOS is one of the providers listed.

Fees side by side

## What a *€29 sale* leaves you

Example, rounded. Gumroad figures from its published pricing for direct sales.

|                           | Gumroad      | AgentaOS                           |
|---------------------------|--------------|------------------------------------|
| Fee per direct sale       | 10% + \$0.50 | 4.5% + €0.50                       |
| Fee on a €29 sale         | about €3.40  | about €1.81                        |
| You keep                  | about €25.60 | about €27.19                       |
| Tax and invoices          | Handled      | Handled, in 135+ tax jurisdictions |
| Free Pricing Intelligence | Not included | Included on every plan             |

Gumroad may also add payment processing on top, depending on your account. Check your own Gumroad payouts to compare exactly. See every Merchant of Record side by side on [the comparison page](https://agentaos.ai/compare).

What you can sell

## Courses, apps *and services*

- 01**SaaS and apps**One-time plans or subscriptions, monthly or yearly.
- 02**Courses and digital products**Online courses, memberships, e-books, templates and downloads.
- 03**IT & digital services**IT and digital services: fixed packages and monthly retainers, approved before they go live.

How the switch works

## Move in a day, *we help*

You keep selling on Gumroad until your new checkout is live.

1.  1
    **Paste your store link**We look at your products, prices and pages.
2.  2
    **We set up your products with you**Same products, same prices, or better ones: Pricing Intelligence suggests packages and tiers.
3.  3
    **Share your new checkout link**Buyers pay by card or subscription from 190+ countries. You get paid twice a month.

Questions · straight answers

## Questions

### Is AgentaOS cheaper than Gumroad?

For direct sales, yes. Gumroad charges 10% + \$0.50 per sale. AgentaOS charges 4.5% + €0.50 per card sale, 4% + €0.40 on Pro, and 1.5% when the buyer pays by bank transfer.

### Is AgentaOS a Merchant of Record like Gumroad?

Yes. We are the official seller, so we calculate, collect and file sales tax and VAT in 135+ tax jurisdictions, and send invoices in our name.

### Can I move my existing subscribers?

Yes, in one command: `npx @agentaos/migrate --from gumroad` copies your products, monthly and yearly plans, trials and discount codes into AgentaOS, and lists your subscribers with their renewal dates. It only reads your Gumroad account. Saved cards stay with Gumroad, so each subscriber subscribes once on the new link before their renewal. [How it works](https://agentaos.ai/migrate).

### Do I need a company?

No. You can sell as an individual or as a company.

### What can I sell?

SaaS and apps, online courses, memberships, e-books, templates and downloads, and IT and digital services once we approve them.

### How do I get paid?

To your own bank account or a wallet, in EUR, USD or digital assets, twice a month.

Free Pricing Intelligence

## See what you would *keep*

Paste your store link. Pricing Intelligence reviews your products and prices, free.

€0 account, no cardSell as an individual or a company

Keep reading

[**Merchant of Record comparison**Fees and what lands in your bank, side by side.*Read more →*](https://agentaos.ai/compare)[**Pricing for digital products**Tiers, bundles, one-off or membership.*Read more →*](https://agentaos.ai/pricing-for-digital-products)

## Merchant of Record directory

What each provider charges, read on its own price page.

- [All side by side](https://agentaos.ai/merchant-of-record-fees)
- [Supported countries](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)
- [Paddle 5% + \$0.50](https://agentaos.ai/answers/paddle-fees)
- [Lemon Squeezy 5% + \$0.50](https://agentaos.ai/answers/lemon-squeezy-fees)
- [Polar from 5% + \$0.50](https://agentaos.ai/answers/polar-fees)
- [Dodo Payments 4% + \$0.40](https://agentaos.ai/answers/dodo-payments-fees)
- [Creem 3.9% + \$0.40](https://agentaos.ai/answers/creem-fees)
- [Gumroad 10% + \$0.50](https://agentaos.ai/answers/gumroad-fees)
- [Whop from 2.7% + \$0.30](https://agentaos.ai/answers/whop-fees)
- [Stripe 2.9% + \$0.30, not a MoR](https://agentaos.ai/answers/stripe-fees)