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Gumroad
Digital Selling8.2 /10
Payhip
Digital Selling8.7 /10★★★★★
★★★★★
- Unlimited team members can be added to one Gumroad account
- Separate Admin, Marketing, Support and Accountant roles provide different permission levels
- Financial and payout access can be restricted separately from marketing and product access
- Collaborators can jointly manage individual products and receive an automatic share of every sale
- Collaborator earnings are automatically credited to the collaborator's own Gumroad balance
- Paid products priced above $0.99 can contain individual files up to 20 GB
- There is no stated limit on the number of files that can be added to a paid product
- Built-in license keys can support multi-seat software licenses
- Multi-seat membership upgrades can charge customers a prorated amount immediately
- Creators can choose daily, weekly, monthly or quarterly payout schedules when eligible
- Creators can set their own payout threshold above the platform minimum
- Payout reports can be exported with individual Gumroad fees and customer-level transaction data
- All features are available on every pricing plan
- Free plan includes unlimited products and unlimited revenue
- No fixed monthly platform cost is required to start selling
- Pricing tiers can be selected purely by transaction economics rather than feature access
- Supports digital downloads, courses, memberships and coaching in one account
- Payments are routed directly to the seller's connected payment processor
- Supports 13 payment processors across multiple regions
- Automatically handles digital EU and UK VAT by default
- Handles US sales tax collection and remittance
- Custom domains can be connected without upgrading to a higher feature tier
- Built-in marketplace can provide an additional discovery channel
- Digital product files can be up to 5GB
- New creator accounts can remain under payout review until Gumroad has enough legitimate sales data
- The initial account review can take approximately 1–3 weeks depending on sales and risk signals
- Gumroad says a typical review may require roughly 3–4 legitimate sales and a balance above $100
- Every eligible sale normally has at least a 7-day holding period before payout
- The standard minimum payout balance is $100 and some countries have higher local thresholds
- A chargeback rate above 1% automatically pauses payouts until the rate returns to 1% or below
- Changing the payout country can in some cases require forfeiting the existing Gumroad balance
- PayPal payouts used as the payout method carry a 2% processing fee
- Daily payouts are restricted to eligible US creators with at least four previous payouts
- Instant payouts are limited to eligible US creators and currently carry a 3% fee
- A collaborator can receive no more than 50% of a product's revenue share
- Adding a collaborator to a product removes existing affiliates from that product
- Team management is not currently supported in Gumroad's mobile apps
- Free products are limited to 250 MB of total uploaded content
- The Free plan takes a 5% Payhip transaction fee on every sale
- The Plus plan still charges a 2% Payhip transaction fee
- Payment processor fees remain separate from Payhip fees
- The platform is less flexible than a self-hosted WordPress commerce stack
- Store design customization is more constrained than a fully developer-controlled website
- Advanced businesses may outgrow the built-in commerce architecture
- The marketplace does not provide automatic exposure to every new seller
- Marketplace eligibility requires prior sales and account review
- Individual marketplace products must still be approved
- Seller support is primarily email-based with no phone support
- Payment-account restrictions may need to be resolved with the external payment processor
- Moving to paid plans reduces fees rather than unlocking a substantially broader feature set
A higher score is only one part of the decision.
It summarizes the platform assessment on a 10-point scale and provides the starting point for comparison.
Features, Ease of Use, Value and Support show where one platform gains or loses ground against another.
A platform designed for creators, B2B merchants or multi-store businesses should not be judged only by the same headline score.
Approved user feedback is displayed separately from the editorial score so the two signals remain easy to distinguish.
Before you choose.
The tool is designed for shortlisting rather than declaring one universal winner. Compare the numbers, then use the individual reviews to investigate the differences that matter to your business.