Half the commission, on your own domain
Gumroad takes 10% + 50¢ on a direct sale and 30% on anything its marketplace sends you. We take 5% + 50¢, whoever the buyer is.
Gumroad is the fastest way to put a digital file behind a checkout, and since January 2025 it is a Merchant of Record too. The cost of that speed is the rate — double ours on a direct sale, and 30% on anything Discover sends you — plus a prohibited list that now rules out selling access to AI tools and chatbots. If you are shipping an AI product, that is not a fee question, it is a can-you-trade-here question.
Fungies and Gumroad, side by side
✓ Yes — we are the legal seller and we file.
Yes, since 1 January 2025, in the regions where they have obligations.
✓ 5% + 50¢ per sale. Negotiable at higher sales volume.
10% + 50¢ per transaction.
✓ Not applicable — every buyer is yours.
30% when a buyer arrives through Discover.
✓ Sold by our customers every day.
Prohibited — access to AI tools, chatbots, and generation services is on their banned list.
✓ Daily by default. No minimum balance.
$100 minimum, and a 7-day hold on every sale before it is eligible.
✓ Change your details.
Their docs warn you may have to forfeit your balance to change country.
✓ Your own domain, your own branding, your own customer list.
A Gumroad profile page, or embeds on your own site.
✓ Web stores for mobile IAP, key delivery, and Steam sales.
Built for creator downloads.
Gumroad's pricing page gives 10% + 50¢, while its help centre states that figure excludes card processing of 2.9% + 30¢. Both are Gumroad's own pages and they disagree, so the real cost of a direct sale may be higher than the 10% quoted above. Check with them before comparing.
Why teams move across
The commission halves
On a $30,000 month of direct sales, 10% is $3,000 and 5% is $1,500. Nothing else on this page will move as much money as that line does, and it compounds every month you keep selling.
AI products are not a policy problem
Gumroad's prohibited list rules out selling access to AI tools, chatbots, and generation services. Several of the businesses on our platform are exactly that. If your product has a model behind it, you need a provider that will still be taking your payments next quarter.
The customer is yours
You sell on your own domain, with your own branding, and you keep the relationship. Discover can find you buyers, but it charges 30% for the privilege and the customer arrives as Gumroad's.
Money moves faster
Gumroad holds every sale for seven days and will not pay out under $100. We pay daily by default with no floor, so your cash position tracks your sales instead of lagging a week behind them.
When Gumroad is the better call
No provider wins every case, and a comparison that pretends otherwise is not worth your time. Here is where Gumroad is the better answer.
You want a checkout in the next ten minutes and nothing more
For someone selling a $15 ebook a few times a week, Gumroad is the shortest distance between a file and a payment. The extra percentage points cost less in real money than an afternoon of setup would.
You want the marketplace, or you want to self-host
Discover is a real acquisition channel, and 30% of a sale you would not otherwise have made is still revenue. Gumroad also open-sourced its codebase under MIT, so a technical seller can self-host and pay no platform fee at all. Nobody else in this comparison offers either.
What sellers say once they have switched
★★★★★ 4.8/5 from 10 reviews on G2 →
Vadim Finayev “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.”
David Elliott “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.”
Elnura Abdimanap Kyzy “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.”
Francisco Magnone Rienzi “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.”
5% + 50¢
per sale, and nothing else
Negotiable at higher sales volume.
No monthly fee. No minimum. No card to get started.
One rate covers the whole stack. There is no tier that unlocks tax filing and no add-on for the store builder.
- ✓ Payment processing
- ✓ Tax calculation and filing
- ✓ Fraud screening
- ✓ Chargeback handling
- ✓ Store builder and hosting
- ✓ Every platform feature
Teams who made the move
All customer stories →RenderAI
From days of integration to a couple of minutes
An AI image platform replaced a slow manual payment process with three subscription tiers and an overlay checkout.
TextToVideo.bot
Weeks of payment work, done in minutes
An AI video generation platform launched its subscription business without writing a payment integration at all.
FreeVocals.com
Off WordPress, and off the plugin treadmill
A vocal sample marketplace left a WordPress stack behind and stopped paying subscriptions for the privilege of selling.
Compare us with the others
-
Paddle
Same headline rate, daily payouts instead of monthly, and a storefront in the box.
-
Stripe
One rate covering tax, subscriptions, and a storefront, instead of three line items.
-
Lemon Squeezy
A flat rate with no surcharges for selling abroad or billing monthly.
-
Dodo Payments
A lower headline that adds surcharges. Ours is flat, with disputes absorbed.
-
Creem
Cheaper per sale. Read their docs on chargebacks and payouts before deciding.
-
FastSpring
Their rate is quote-only. Ours is on the pricing page. Compare what is published.
-
Chargebee
They bill. You still need a gateway, a merchant account and your own tax filings.
-
Xsolla
Their 5% is 5% plus cost of channel. Ours is the whole number.
-
Cleverbridge
Enterprise merchant of record, sales-gated. Start selling today instead.
-
Nexway
Enterprise merchant of record that lists early-stage businesses as limited support.
Work out what 5% gives back
Take your last twelve months of Gumroad sales and halve the commission. That figure is what this decision is worth. Opening an account costs nothing.