US pricing and payout comparison
Gumroad vs Payhip: 10% vs 5% Fees With a 3% Option
Quick Answer
Gumroad and Payhip both offer ways to sell digital products, but they take different approaches to fees, payouts, and tax handling. For Stripe-first direct sales, Latuos is often a simpler, lower-fee option at these price points.
Gumroad typically charges higher transaction fees on direct sales and significantly higher fees on Discover sales. It also operates as merchant of record, meaning it handles taxes on behalf of sellers.
Payhip offers multiple pricing tiers, including a free plan with higher transaction fees and paid plans with lower or no platform fees. Latuos takes a different approach: a flat 3% platform fee with no monthly subscription, and payouts stay tied to the seller's own Stripe account for Stripe-first direct sales.
Platform Snapshot
| Platform | Pricing Model | Seller Payout Control |
|---|---|---|
| Payhip | Free: 5%; Plus: $29/mo + 2%; Pro: $99/mo + 0% | Seller is paid through a connected payment processor (for example Stripe, PayPal, Paystack, and other supported gateways) |
| Gumroad | 10% + $0.50 on direct/profile sales; Discover sales are 30%; card or PayPal processing fees are separate | Gumroad is merchant of record, so payout timing follows Gumroad's payout rules |
| Latuos | 3% platform fee + Stripe processing, no subscription. VAT may apply where required. | Seller uses their own Stripe account and stays in control |
Pricing checked against official public sources in April 2026. Processor fees, payout timing, taxes, and currency conversion may vary by country, payment method, and seller setup. Latuos fee examples on this page exclude any VAT that may apply to Latuos platform fees for some sellers.
US pricing sources used for this comparison
- Payhip pricing for Free 5%, Plus $29/mo + 2%, and Pro $99/mo + 0%
- Gumroad pricing for 10% + $0.50 direct sales and 30% Discover sales
- Stripe US pricing for the US processing baseline used in fee math
Fee Math at $15, $25, and $49
| Platform | $15 | $25 | $49 |
|---|---|---|---|
| Payhip Free | $0.75 | $1.25 | $2.45 |
| Gumroad direct sales | $2.00 | $3.00 | $5.40 |
| Latuos | $0.45 | $0.75 | $1.47 |
Those figures compare platform fees before separate payment processing. The gap is widest at low and mid price points, which is why Payhip is usually cheaper than Gumroad on direct sales before processor fees.
Payhip Plus and Pro can change the math at higher volume, but they add a monthly bill. If you only need Stripe and want a simpler pricing model, Latuos is often lower-fee for Stripe-first direct sales from the first sale at these price points.
Payouts and Merchant-of-Record Tradeoffs
Payhip supports multiple payment gateways and keeps the seller closer to the processor relationship than a merchant-of-record platform. That can matter if the seller wants more direct payout visibility.
Gumroad is merchant of record, which changes who controls payout timing and parts of the refund and dispute flow. With Gumroad, payout timing follows Gumroad's payout rules rather than the seller's own processor account. Latuos takes a Stripe-first approach where payouts stay tied to the seller's own Stripe account.
Tax handling is also different. Gumroad handles tax obligations as merchant of record, while Payhip handles digital EU and UK VAT but may still leave other tax obligations to the seller.
How Each Platform Takes a Different Approach
Payhip is a practical fit if you want lower-fee direct sales than Gumroad and still want processor choice beyond Stripe.
Gumroad is a practical fit if marketplace familiarity and merchant-of-record convenience matter more than payout visibility or direct-sale margins.
Latuos is often a simpler, lower-fee option for Stripe-first direct sales at these price points when you want no monthly subscription and payouts tied to your own Stripe account.
Good Fit For
Sellers comparing Payhip and Gumroad because they want the cleanest direct-sales setup with predictable fees and more payout control.
Less Likely Fit For
Sellers who mainly want marketplace distribution or a platform to stay fully in the middle of tax and payout handling.
Compare Payhip, Gumroad, and Latuos at Your Price
Run your price through the Fee Calculator to compare supported platform fees side by side.
Frequently Asked Questions
Is Payhip Cheaper Than Gumroad?
Usually, yes for direct sales. Payhip Free charges 5% plus payment processing, while Gumroad charges 10% plus $0.50 on direct or profile sales before separate processing fees.
How Do Payhip and Gumroad Handle Payouts Differently?
Payhip supports multiple payment gateways and keeps the seller closer to the processor relationship. Gumroad is merchant of record, so payout timing follows Gumroad's payout rules instead of the seller's own processor account.
Is Latuos Often Lower-Fee Than Both Payhip Free and Gumroad Direct Sales?
For Stripe-first direct sales, often yes. Latuos charges a 3% platform fee with no monthly subscription, while Payhip Free is 5% and Gumroad direct sales are 10% plus $0.50 before separate processing. Total costs can still vary with payment processing and tax setup.
Does Payhip Have a Free Plan?
Yes. Payhip Free has no monthly fee and charges a 5% transaction fee on each sale plus payment processing. Paid plans at $29/month (Plus) and $99/month (Pro) reduce the transaction fee to 2% and 0% respectively.
Does Gumroad Handle Sales Tax for You?
Yes. Gumroad is merchant of record and handles tax obligations on behalf of sellers. Payhip handles digital EU and UK VAT, but sellers may still need to manage other taxes themselves. With Latuos, the seller is merchant of record and manages tax through their own Stripe account.
Can I Use My Own Domain on Payhip?
Yes. Payhip offers a custom domain feature for store pages, while still running the hosted storefront on its side. Gumroad also provides a hosted storefront. Latuos provides checkout pages tied to the seller's own Stripe account without a standalone storefront.
Related Reading
Pricing and fees are based on publicly available information as of April 2026. Payment processing fees, taxes, and platform terms may vary by country, currency, and payment method. Always check the official pricing pages before deciding. Latuos is not affiliated with Payhip or Gumroad.