Etsy stacks four separate fees. Gumroad takes a flat 10% + $0.50. Payhip charges 5% or a subscription. Enter your numbers once and compare them all — honestly, including card processing.
Open the calculatorEnter your price and monthly sales. See what each platform actually takes — subscriptions, cuts and card processing included.
Assumes card processing at 2.9% + $0.30 per sale (Stripe standard) on platforms where you bring your own payment account. Etsy Payments processing (3% + $0.25 US) and the $0.20 listing fee per digital sale are built into the Etsy row; Etsy Offsite Ads (12–15% on attributed orders) are excluded. Gumroad row includes its separate 2.9% + $0.30 processing; Discover marketplace sales cost 30% instead. Rates last verified 2026-07-16 against each platform's published pricing.
Headline rates hide listing fees, per-order charges and card processing. Every row in the calculator includes them, so the comparison reflects what actually lands in your account.
Payhip alone has three plans and the cheapest one depends on your volume. The calculator works out the break-even for you and shows which tier it used.
Every rate is checked against each platform's published pricing page and stamped with a last-verified date. When platforms change fees, the calculator changes too.
Two inputs, instant answer, works on your phone. No gated PDF, no account, nothing to download.
The $0.20 listing fee charged on every digital sale and Etsy Payments processing are built in — the parts most fee posts forget to count.
Cheapest is not always best. Our guides spell out when Etsy's built-in traffic or Gumroad's tax handling is worth the extra cut — and when it isn't.
Check the effective fee rate at your price point before you launch — low-priced items get hit hardest by per-order fees like Etsy's $0.20 + $0.25 or Gumroad's $0.50 + $0.30.
At 10% + $0.50 per sale, there is a revenue level where a $29 or $99 subscription elsewhere is clearly cheaper. Find your crossover point in ten seconds.
Etsy caps digital listings at 5 files of 20MB each. See what pairing your Etsy shop with an external delivery service costs — and what it saves.
Before migrating your store, compare this month's real numbers side by side instead of trusting either platform's marketing page.
For a US seller, Etsy charges a $0.20 listing fee per sale, a 6.5% transaction fee, and Etsy Payments processing of 3% + $0.25. On a $5 digital download that is roughly $1.03 — about 21% of the sale. Offsite Ads, if triggered, add another 12–15% on attributed orders.
Gumroad charges a flat 10% + $0.50 per direct sale, with card processing of 2.9% + $0.30 billed separately. Sales that come through Gumroad's Discover marketplace cost 30% instead. There is no monthly subscription.
It depends on volume. Below roughly $1,000/month in sales, Payhip's free plan (5% + card processing) usually wins. Above that, flat-subscription platforms like SendOwl or Payhip Pro pull ahead because their cost stops scaling with revenue. Use the calculator with your own numbers.
Yes. Platforms where you connect your own Stripe or PayPal account are shown with standard card processing of 2.9% + $0.30 per sale added, and Etsy's own 3% + $0.25 processing is built into its row.
Etsy allows up to 5 files of 20MB each per digital listing. The standard workaround is delivering a small PDF through Etsy that contains a download link served by an external delivery tool such as SendOwl or Payhip. Our guide covers the options and their costs.
Some outbound links earn us a commission at no cost to you. The calculator math is identical for every platform, commissions or not — several platforms we link to lose the comparison at most volume levels, and we show that.