Gumroad alternatives in 2026: 8 options compared on fees and tax

I'm Jacob, and I built Swipefast, one of the eight tools below. Read this knowing that. Every other price here comes from that company's own pricing or help page, checked on 9 November 2026, with the link in each section. Where another tool suits you better, I say so.

Only weighing Swipefast against Gumroad? swipefast.io/gumroad-alternative puts the two side by side, and the Gumroad fee calculator (swipefast.io/tools/gumroad-fee-calculator) works out what Gumroad takes at your own price. Want to try Swipefast first? Start the 7-day free trial at swipefast.io/signup.

How much does Gumroad take per sale?

Gumroad's help page on fees, checked 9 November 2026, says it charges 10% + 50¢ on each sale through your profile or a direct link. Card processing (2.9% + 30¢) and PayPal fees come on top. Sales from its Discover marketplace pay a flat 30%, which includes processing. Once your paid sales pass $20,000 in a calendar month, new direct sales that month pay 5% + 50¢. There is no monthly fee. Source: https://gumroad.com/help/article/66-gumroads-fees

Gumroad also acts as merchant of record for all sales. That means it is the legal seller: it collects and pays sales tax and VAT for you, worldwide. Source: https://gumroad.com/help/article/121-sales-tax-on-gumroad

Why do people look for a Gumroad alternative?

• The cut grows with every sale. At $5,000 a month in sales, 10% + 50¢ is $526 a month before card fees.
• The money goes through Gumroad first. Sales land in your Gumroad balance and are paid out on its schedule. New sellers can no longer connect their own Stripe account, except in Brazil.
• You want more from each buyer: an order bump next to the payment form, a chain of offers after payment, or payment plans.

These reasons come from Gumroad's own fee and payout pages, not from a survey of sellers.

How did I compare them?

Five things that matter when you leave Gumroad: what $5,000 a month in sales costs, who handles sales tax, whose account the money lands in, ways to sell more to each buyer, and how you deliver the product. Competitors are judged from their own pricing and help pages, not hands-on tests. Swipefast is judged from its own code and dashboard.

The Gumroad alternatives at a glance

All prices in US dollars, billed monthly unless noted, from each company's own pages on 9 November 2026. ThriveCart's prices are from its pricing announcement, updated 15 July 2026, because its pricing page doesn't show them as text. Check the pricing page before you pay.

What does $5,000 a month in sales cost on each?

Here is one example carried through: a $97 product, 52 orders a month, $5,000 in sales, US cards, monthly billing. Every row has the same sales. No tool is assumed to sell more. Each tool is priced on its cheapest plan that can do it, with card processing at 2.9% + 30¢ (the card rate Gumroad's fee page quotes, and Stripe's standard US rate) where the tool uses your own account.

Over a year, Gumroad's own fees here come to $6,312. Swipefast Starter is $348, so you'd keep $5,964 more. The gap shrinks at lower sales. At a $97 price, three sales a month already cost $30.60 in Gumroad fees, more than Starter's $29. Below that, Gumroad is the cheaper choice.

1. Payhip

Payhip is the closest swap for a Gumroad seller. Every plan has the same features, and only the fee changes: Free takes 5% per sale, Plus is $29 a month with 2%, and Pro is $99 a month with no fee. Stripe and PayPal charge their standard rates on top. Payhip says it collects, reports and pays EU and UK VAT and US and Canadian sales tax on your behalf. Source: https://payhip.com/pricing, checked 9 November 2026.

• Choose it if: you sell downloads, want no monthly bill while you start, and want tax off your plate.
• Skip it if: you sell steadily. At $5,000 a month the free plan's 5% is $250, so you'd move to a paid plan anyway.

2. Lemon Squeezy

Lemon Squeezy is a merchant of record, like Gumroad. It takes 5% + 50¢ per sale with no monthly fee, and that covers card processing. It adds 1.5% for buyers outside the US, 1.5% for PayPal and 0.5% for subscription payments. Sources: https://www.lemonsqueezy.com/pricing and https://docs.lemonsqueezy.com/help/getting-started/fees, checked 9 November 2026.

• Choose it if: you sell to many countries and want sales tax and VAT handled for you, for half of Gumroad's percentage.
• Skip it if: your prices are high or most buyers are abroad. The extra percentages add up. Swipefast can also run checkouts through your Lemon Squeezy account, so you keep its tax handling and add order bumps and upsells.

3. Swipefast

Swipefast is my product: a checkout that takes 0% of your sales. Buyers pay into your own Stripe or PayPal account, so the money lands with you, not in a balance. The only fee is 0.2% on orders where you turn on Stripe Tax and Stripe is connected through Swipefast. Starter, at $29 a month or $290 a year, has unlimited checkouts, order bumps, one-click upsell chains of up to 5 offers, payment plans, subscriptions, coupons, a link in bio page and the Hub for courses. Pro, at $49 a month or $490 a year, adds affiliates, your own domain, Zapier and the API. Source: swipefast.io/pricing.

• Choose it if: you sell steadily, want buyers paying into your own Stripe, and want an order bump before payment and an upsell after it, without paying for a top plan.
• Skip it if: you need a marketplace to find buyers, or want tax handled for you on your own Stripe. Swipefast isn't a merchant of record and has no Discover. It doesn't host download files either: Hub lessons can hold a PDF, and other files live in Google Drive or Dropbox behind a link. There's no free plan, affiliates are on Pro, and it's the newest tool here.

4. Stan Store

Stan Store builds a store that lives in your social bio. Creator is $29 a month or $300 a year, and Creator Pro is $99 a month or $948 a year. Order bumps and upsells are on Creator Pro. Stan says it charges 0% transaction fees, and you pay the standard Stripe or PayPal fee. It has a 14-day free trial. Sources: https://help.stan.store/article/31-creator-vs-creator-pro and https://stan.store/blog/stan-store-pricing/, checked 9 November 2026.

• Choose it if: most of your sales start on Instagram or TikTok and you want the store to be the bio link.
• Skip it if: you want bumps and upsells without paying $99 a month. Our Stan Store alternatives post goes deeper: swipefast.io/blog/stan-store-alternatives-for-coaches-and-creators

5. Sellfy

Sellfy is a storefront for digital products with 0% transaction fees; Stripe or PayPal fees apply. Each plan has a yearly sales cap. Starter is $29 a month ($22 billed yearly) for up to $10,000 a year, without upsells or cart recovery. Business is $79 ($59 yearly) for up to $50,000, and Premium is $159 ($119 yearly) for up to $200,000. Go over the cap without upgrading and Sellfy may charge a 2% overage fee. It has a 14-day free trial. Source: https://sellfy.com/pricing/, checked 9 November 2026.

• Choose it if: you want a ready-made store page for many products and your sales fit a plan's cap.
• Skip it if: you're growing fast. The cap, not the features, decides your plan.

6. ThriveCart

ThriveCart is a mature checkout. Standard is $47 a month, or $37 a month billed yearly, and is also sold as a lifetime option. It includes one order bump and one-click upsells and downsells, with 0% fees on sales. Sources: https://thrivecart.com/blog/new-monthly-pricing-model/ (updated 15 July 2026) and https://thrivecart.com/, checked 9 November 2026.

• Choose it if: you want a long feature list, or a lifetime licence instead of a monthly bill.
• Skip it if: you want something quick to learn. More options: swipefast.io/blog/thrivecart-alternatives

7. Podia

Podia puts courses, downloads and coaching on every plan. Mover is $49 a month, or $42 billed yearly, with a 5% transaction fee. Shaker is $99 a month, or $84 billed yearly, with no Podia fees, and adds upsells and affiliates. It has a 14-day free trial. Source: https://www.podia.com/pricing, checked 9 November 2026.

• Choose it if: you want courses, downloads and coaching in one account at a mid-range price.
• Skip it if: you want the checkout itself to do more, such as a chain of offers after payment.

8. Kajabi

Kajabi runs the whole business: website, courses, community, email and checkout. Basic is $179 a month, or $143 billed yearly. Kajabi says it takes a 0% revenue share; its card rate on Basic is 2.9% + 30¢ for US accounts, and an extra 2% applies if you use an outside processor. It has a 14-day free trial. Source: https://www.kajabi.com/pricing, checked 9 November 2026.

• Choose it if: you want to move everything into one platform and you'll use most of it.
• Skip it if: you mainly sell downloads. $179 a month is a big step from no monthly fee.

Left out: SamCart, because its order bumps and upsells are on its $199 Pro plan, a long way from Gumroad's no-monthly-fee start (our SamCart alternatives post covers it: swipefast.io/blog/samcart-alternatives). Ko-fi, because its pricing pages blocked our checks today, and we don't list prices we can't verify.

Who should stay on Gumroad?

• You sell a few products a month. Under about $280 a month at a $97 price, Gumroad's cut costs less than a $29 monthly plan.
• Discover brings you buyers you wouldn't reach yourself. None of the eight tools above lists a marketplace like it on the pages we checked.
• You want the merchant of record and big file hosting in one place. Gumroad handles tax worldwide and hosts files up to 20 GB each on paid products.

Does it matter that Gumroad is the merchant of record?

Yes, and it's the biggest trade-off on this page. With Gumroad, Lemon Squeezy or Payhip, the platform collects sales tax and VAT and pays it. With Swipefast, buyers pay you directly, so you are the seller. You can turn on Stripe Tax to work out and collect the right tax at checkout, but registering and filing stay with you. If you want tax handled and still want bumps and upsells, connect Lemon Squeezy as your payment provider in Swipefast. For a one-time product, the bump goes into the first Lemon Squeezy payment, and the upsell opens a second Lemon Squeezy checkout with the buyer's details filled in. How that works: swipefast.io/blog/lemon-squeezy-order-bumps-upsells-swipefast

How do I move from Gumroad without losing sales?

• 1. Download your sales CSV from Gumroad. It lists your customers and their purchases for any date range.
• 2. Rebuild your best seller first. Swipefast has no Gumroad importer, so you set up each checkout yourself, or ask Claude or ChatGPT to draft it for you.
• 3. Decide how buyers get the product: an access link to your files, or a course in the Swipefast Hub.
• 4. Test it before you share the link: a practice order first, then one real purchase you refund. The steps: swipefast.io/blog/test-your-swipefast-checkout-before-launch
• 5. Change the link in your bio, emails and website. Keep Gumroad open: memberships and saved cards don't move between platforms, so existing members keep paying there until they cancel or rejoin on the new checkout.

Ready to see what your best seller looks like with a bump and an upsell? Start the 7-day free trial at swipefast.io/signup. Checkouts run in practice mode until your plan starts, so you can build and test before any buyer sees them. Selling templates, ebooks or presets? See the checkout set up for digital products: swipefast.io/checkout-for-digital-products