Fees Index
Digital Product Platform Fees Index
What 12 platforms actually take from a sale, who holds the money, and every fee change we track. Verified against official pricing pages, with dates.
Scope: US public pricing for direct digital-product sales. Last full verification window: June-July 2026. Individual rows show the latest verification month. Fees can vary by country, currency, payment method, ads, reserves, or optional services.
Free to reuse with attribution (CC BY 4.0)
Quote the tables in your article or video, or use the raw dataset: download fees.json. Please link back to latuos.com/platform-fees-index/ as the source.
Fee Models Across 12 Platforms
Listed platform fee, monthly cost, and how each platform treats payment processing. Every row links to the official source it was verified against.
| Platform | Platform fee | Monthly cost | Payment processing | Verified |
|---|---|---|---|---|
| Latuos | 2% per sale | $0 | Separate; your own Stripe account (US card assumption 2.9% + $0.30). VAT may apply to the platform fee where required. | Jul 2026 · source |
| Gumroad | 10% + $0.50 direct/profile sales; 30% Discover sales | $0 | Separate on direct/profile sales; card or PayPal processing is charged in addition. Discover sales use Gumroad's separate 30% marketplace fee. | Jul 2026 · pricing · fees help |
| Payhip (Free) | 5% per sale. Plus: $29/mo + 2%; Pro: $99/mo + 0% | $0 on Free | Separate; your own PayPal or Stripe account. | Jul 2026 · source |
| Lemon Squeezy | 5% + $0.50 per order, processing included | $0 | Included (merchant of record). Published surcharges apply for some payment methods and regions. Payout fee: 0% to US bank accounts, 1% to non-US. | Jun 2026 · source |
| Ko-fi (Free) | 5% on shop sales, memberships, and commissions; 0% on one-time tips. Gold: $12/mo with 0% service fee | $0 on Free | Separate; your own PayPal or Stripe account. | Jun 2026 · source |
| Etsy (digital) | 6.5% transaction fee + $0.20 listing fee per sale | $0 | US Etsy Payments processing 3% + $0.25 (varies by country). | Jul 2026 · source |
| Sellfy (Starter) | 0% transaction fee on paid plans | $22/mo billed annually; $29/mo billed monthly | Separate; your own Stripe or PayPal account. | Jun 2026 · source |
| Stan Store (Creator) | 0% Stan transaction fee | $29/mo; Creator Pro $99/mo | Stripe processing applies through Stan's checkout; see Stan's transaction-fee documentation. | Jun 2026 · source |
| SamCart | Software subscription; processor fees separate | Core $79/mo; Pro $199/mo; Enterprise custom | Payment processing fees are separate. SamCart lists SamPay at 2.9% + $0.30, with Stripe and PayPal also available. | Jul 2026 · source |
| SendOwl (Launch) | 0% transaction fee beyond processing | $39/mo; Grow $87/mo; Scale $159/mo (annual discounts available) | Separate; your own Stripe or PayPal account. SendOwl does not process payment. | Jul 2026 · source |
| Whop | Whop currently describes more than one fee frame; figures here are card processing only | $0 (pay-as-you-go, no setup fee) | 2.7% + $0.30 per successful domestic-card transaction; +1.5% international cards; +1% currency conversion. Excludes Whop tax/remittance fees, which may add 2% when tax is collected. | Jul 2026 · fees · tax docs |
| Notion Marketplace | 10% + $0.40 per sale, processing included | $0 | Included; 1% foreign-exchange fee for creators paid out in a non-USD currency. | Jun 2026 · source |
Figures use official public pricing pages and help documentation only. They exclude taxes, VAT, currency conversion, ads, platform reserves, chargebacks, refunds, discounts, optional services, setup fees, and non-US processing variants.
What You Keep at a Typical Seller's Volume
A single-sale view hides monthly fees, so this table prices a concrete scenario instead: a $29 product selling 25 orders a month ($725 in sales). Every per-sale fee and every subscription is included, so the totals are comparable.
| Platform | Total monthly fees | You keep (of $725) | Keep rate |
|---|---|---|---|
| Latuos | $43.02 | $681.98 | 94.1% |
| Lemon Squeezy | $48.75 | $676.25 | 93.3% |
| Sellfy (Starter, annual billing) | $50.52 | $674.48 | 93.0% |
| Stan Store (Creator) | $57.52 | $667.48 | 92.1% |
| Payhip (Free) | $64.78 | $660.23 | 91.1% |
| Ko-fi (Free, shop) | $64.78 | $660.23 | 91.1% |
| SendOwl (Launch) | $67.53 | $657.48 | 90.7% |
| Etsy (digital) | $80.12 | $644.88 | 88.9% |
| Notion Marketplace | $82.50 | $642.50 | 88.6% |
| SamCart | $107.53 | $617.48 | 85.2% |
| Gumroad | $113.53 | $611.48 | 84.3% |
| Whop‡ | $27.07 (card processing only) | Not rankable‡ | |
Scenario: $29 product, 25 orders/month. Subscription platforms are priced at their most favorable published rate (Sellfy at annual billing). Where a platform charges processing separately, the Stripe US online card assumption of 2.9% + $0.30 is used. Etsy uses US Etsy Payments processing of 3% + $0.25 plus one $0.20 listing renewal per sale. ‡ Whop currently describes more than one fee frame, so its row shows card processing only and is not ranked; this excludes Whop tax/remittance fees, which may add 2% per transaction when tax is collected. Verify current Whop fees for your setup. Your volume changes the ranking: the next table shows how monthly fees behave as order count grows, and the calculator below prices your exact case.
What a Monthly Fee Adds Per Sale
A 0% transaction fee is not free. Spread the subscription across your monthly orders and it becomes a per-sale cost that depends entirely on volume.
| Monthly fee | Example plans | 10 orders/mo | 50 orders/mo | 200 orders/mo |
|---|---|---|---|---|
| $12 | Ko-fi Gold | +$1.20/sale | +$0.24/sale | +$0.06/sale |
| $22 | Sellfy Starter (annual billing) | +$2.20/sale | +$0.44/sale | +$0.11/sale |
| $29 | Stan Store Creator, Payhip Plus, Sellfy Starter (monthly billing) | +$2.90/sale | +$0.58/sale | +$0.14/sale |
| $39 | SendOwl Launch | +$3.90/sale | +$0.78/sale | +$0.20/sale |
| $79 | SamCart (public starting price) | +$7.90/sale | +$1.58/sale | +$0.40/sale |
| $99 | Stan Store Creator Pro, Payhip Pro | +$9.90/sale | +$1.98/sale | +$0.49/sale |
Read it together with the previous table: at low volume a subscription usually costs more per sale than a percentage fee; at high volume it usually costs less. The crossover point depends on your price and order count.
Who Holds the Money
Fees are only half the platform decision. The other half is whether sales land in an account you own or in a platform balance paid out on the platform's schedule.
| Platform | Where the money lands | Merchant of record |
|---|---|---|
| Latuos | Your own Stripe account; Stripe's standard payout schedule. | Seller (via own Stripe setup) |
| Gumroad | Gumroad-managed balance, paid out on Gumroad's payout schedule. | Gumroad (explicitly claimed since Jan 2025) |
| Payhip | Directly in your own PayPal or Stripe account. | Payhip does not publicly use the MoR term on its pricing page; it states that sellers connect PayPal/Stripe, get paid immediately, and Payhip handles digital EU/UK VAT on their behalf. |
| Lemon Squeezy | Platform balance with Lemon Squeezy-managed payouts. | Lemon Squeezy (explicitly claimed) |
| Ko-fi | Directly in your own PayPal or Stripe account. | Seller (direct PayPal/Stripe payout framing) |
| Etsy | Etsy Payments balance, paid on your deposit schedule. | Etsy operates the marketplace and processes payment |
| Sellfy | Directly in your own Stripe or PayPal account. | Seller is MoR; Sellfy is not |
| Stan Store | Processor-linked Stripe or PayPal setup. | Not publicly confirmed |
| SamCart | Via your connected payment processor. | Seller (via connected processor) |
| SendOwl | Directly in your own Stripe or PayPal account. | Seller is MoR; SendOwl does not process payment |
| Whop | Varies by payout method. | Conditional/limited; varies by tax mode and payment flow |
| Notion Marketplace | Paid out on Notion's payout schedule and eligibility rules. | Notion operates the marketplace and processes payment |
Merchant-of-record status affects who handles sales tax and VAT, who answers to the card networks, and who controls refunds and held funds. Where a platform does not publicly confirm its status, this table says so instead of guessing.
Fee Change Log
Platform fees change quietly. Each re-verification of this index records any change here, with the date we found it.
3 July 2026
Index launched. Baseline: all 12 platforms verified against official pricing or help pages. Gumroad, Payhip, SamCart, Etsy, SendOwl, and Whop re-checked in July 2026; the remaining platforms were verified in June 2026 with no changes found since the March to May 2026 checks.
Spotted a fee change before we did? Email [email protected] with a link to the official source and we will verify and record it.
Methodology
Official sources only
Every figure is checked against the platform's own pricing page or help documentation, never third-party roundups. Each row shows the month of its last verification and links to the source used.
US public pricing scope
Figures are US public pricing for direct digital-product sales. Where processing is charged separately, the Stripe US card assumption of 2.9% + $0.30 is used so platforms stay comparable. Excluded: taxes, VAT, currency conversion, ads, reserves, chargebacks, refunds, and optional services.
Hedged where platforms are unclear
When a platform publishes more than one fee frame or does not confirm a claim publicly, this index says so instead of picking a number. If a source becomes unclear, the claim is reduced or removed until re-verified.
Re-verification cadence: monthly for this index, with any change recorded in the fee change log above. Maintained by Latuos, which appears as one row and is scored by the same method as every other platform.
Run Your Own Numbers
Set your price and monthly orders to see the fee math for your product. The full fee calculator has scenario breakdowns and all assumptions.
Frequently Asked Questions
How are the figures in this index verified?
Every figure is checked against the platform's own official pricing page or help documentation, never third-party roundups. Each row carries the month of its last verification. The comparison scope is US public pricing for direct digital-product sales.
Why are 0%-transaction-fee platforms not at the top of the keep table?
Because the table includes their monthly subscription. A 0% per-sale fee looks free, but at a typical early seller's volume (the table's scenario is a $29 product at 25 orders a month) the subscription costs more than a small percentage fee does. As order volume grows the subscription spreads thinner; the monthly-fee table shows that effect at 10, 50, and 200 orders a month.
Can I reuse this data in my own article or video?
Yes. The dataset is published under CC BY 4.0. You can quote the tables or use the JSON download in articles, videos, and tools, with an attribution link back to this page.
Latuos runs this index. How is it neutral?
Latuos appears as one row and is scored by the same method as every other platform. All figures cite official sources, the methodology is published, and the tables show cases where other platforms come out ahead, such as 0%-per-sale subscription platforms at high volume.
Where Latuos Fits
Latuos is the row with a 2% platform fee, no subscription, and sales that settle in your own Stripe account. If that model fits how you sell, you can try it in minutes.
This index is a reference for planning only and is not official pricing guidance from any platform. Latuos is an independent product and is not affiliated with, sponsored by, or endorsed by any platform listed. Platform names are used for comparison purposes only. Always verify current fees on each official pricing page before making decisions.