International card
+0.0%10% + $0
$100 → $90.00
Card issued outside your country, payout in your local currency.
Payment Processors
Gumroad Fee Calculator
Everything about MOR fees — what Gumroad really costs on every sale.
Merchant of Record Since 2011 San Francisco, CA
★ 4.6 · 9 reviews
What Is Gumroad, and Who Is It For?
Gumroad's 10% all-in rate appeals to solo creators who want a zero-setup experience and are willing to pay a premium for convenience and tax handling. For WordPress users who want to stay on their own domain, WP Smart Pay's Paddle integration offers a more professional approach at a much lower effective rate.
Best for
Solo creators selling ebooks, courses, or one-off digital downloads.
Used by
Indie creators Ebook sellers Course creators Digital artists
Highlights
- Hosted storefront
- Audience tools
- Refund handling
Gumroad at a Glance
- Pricing model
- Merchant of record
- Domestic fee
- 10% + $0
- International card fee
- 10% + $0
- Currency conversion
- Included
- Monthly cost
- Free — no monthly fee
- Tax handling
- Included (MoR)
- Chargebacks
- Included
Gumroad Fee Calculator: What Does a Sale Actually Cost?
This Gumroad fee calculator shows where a sale ends up — drag the slider or type your own amount to see it in real time. Prices are list rates; large merchants can negotiate.
Gumroad Fee Calculator: Any Sale, Broken Down
Live scenario
US card · USD payoutYou receive
$90.00
$1 Drag or type your amount $1,000+
You keep · 90.0% Gumroad fee · 10.0%
Fee breakdown
- Card processing 10% × $100
- −$10.00
- Fixed fee per transaction
- −$0.00
- Total fee
- −$10.00
- You receive
- +$90.00
Currency conversion
+0%+0%
$100 → $90.00
Stacked on international when you charge and pay out in different currencies.
Refund · chargeback
Worst case−$18.20
$100 lost + $15 fee
Lost dispute: you forfeit the $100, the $3.20 processing fee, and a $15 dispute fee.
The fine print headline rates don't show
- Sales tax / VAT — included in the MoR rate.
- Chargebacks — covered by the processor.
- Refunds — the processing fee is not returned to the merchant.
- Marketplaces — Stripe Connect adds 0.25% + $2 per active connected account, monthly.
What we like
- Merchant of record — handles tax and chargebacks globally
- 10% fee is all-inclusive (no per-transaction fixed fee)
- Built-in hosted storefront with audience management
- Refund handling included
- No technical setup required
- Product overlay and embed tools for direct selling
Where it falls short
- 10% fee is very high compared to other processors
- Not a full payment gateway — uses Gumroad's hosted flow
- Limited WooCommerce/EDD integration (no native plugin)
- Less control over checkout experience
- Not suitable for larger e-commerce operations
How Does Gumroad Work with WordPress?
No official WordPress plugin
Gumroad does not have an official WordPress, WooCommerce, or EDD plugin. Integration requires custom development.
How Does Gumroad Compare?
Side-by-side breakdowns of Gumroad against every alternative most WordPress merchants weigh.
