Gumroad charges 10% plus 50 cents on every direct sale, and 30% on sales through its Discover marketplace. Chargedeck charges a flat $9.99 a month and 0% of your sales, paid straight into your own Stripe, PayPal or Square.
Free for 7 days. No card. Prices on this page are in US dollars.
Gumroad has no monthly fee and acts as merchant of record, so it handles sales tax for you. You pay for that with 10% + 50 cents of every sale.
Choose Chargedeck if you already have an audience and want to keep the percentage, get paid straight into your own account and sell through Discord or a link in bio. Choose Gumroad if you want its marketplace to find buyers for you, or you want sales tax handled for you.
| Your monthly sales | Chargedeck Starter plus a 2.9% card fee | Gumroad direct sales (10%) |
|---|---|---|
| $500 | $24.49 | $50 |
| $2,000 | $67.99 | $200 |
| $5,000 | $154.99 | $500 |
| $10,000 | $299.99 | $1,000 |
| $50,000 | $1,459.99 | $5,000 |
Gumroad figures are from gumroad.com/pricing, read on 6 November 2026. Gumroad's published fee is 10% + $0.50 per transaction for direct sales and 30% for Discover sales, with no monthly fee. To keep the comparison fair, the Chargedeck column adds a typical 2.9% card fee (Stripe's standard US rate) to the $9.99 plan, because on Chargedeck you pay your own processor. Fixed per-sale amounts (Gumroad's 50 cents, a processor's 30 cents) are extra on both. Gumroad is a merchant of record and handles sales tax; on Chargedeck you handle your own.
Including the rows where Gumroad is ahead.
| Chargedeck | Gumroad | |
|---|---|---|
| Payment processors | Your own Stripe, PayPal or Square, plus pay by bank | Gumroad takes the payment |
| Where the money goes | Straight to your own processor account | To Gumroad, then paid out to you |
| Order bumps | Every plan | Not listed |
| Link-in-bio storefront | Free forever, with swipe, grid and list views | A Gumroad storefront page |
| Discord roles on purchase | Built in | Not listed |
| Rewards points across stores | Yes | Not listed |
| Merchant of record, sales tax handled | You are the seller of record | Yes |
| Marketplace that brings buyers | No | Discover, at 30% |
| Memberships and subscriptions | Not available right now | Yes |
| Pay what you want | Yes | Yes |
Gumroad details are from its own public pages on 6 November 2026 and may have changed. "Not listed" means we did not find it on those pages. Chargedeck details describe the product as it works today.
Neither tool is right for everyone.
The price does not move when your sales do. Pick by how many brands you run, not by how much you earn.
Everything you need to sell, on one brand.
For sellers running more than one brand.
Every brand and storefront, one login.
Free for 7 days with everything unlocked, no card needed. After that, selling needs a plan; your link-in-bio page stays free. Prices in USD, billed monthly, cancel anytime. No plan has a sales cap.
Gumroad's pricing page lists 10% + $0.50 per transaction for sales through your profile or direct links, and 30% for sales that come through its Discover marketplace. There is no monthly fee.
Once you sell more than about $150 a month, 10% of your sales is more than Chargedeck's flat $9.99 plus a typical 2.9% card fee from your own processor. Bear in mind that Gumroad's fee covers being merchant of record and handling sales tax, which Chargedeck does not do.
No. Chargedeck charges a flat monthly fee from $9.99 and 0% of your sales. Your own processor charges its normal card fee, which Chargedeck does not mark up.
Your processor does. Payments go straight from the buyer into your own Stripe, PayPal or Square account and Chargedeck never holds a balance for you.
Yes. Every new account gets 7 days with everything unlocked, and you do not enter a card to start. After the trial, selling needs a plan from $9.99 a month. Your link-in-bio page stays free forever.
No. Chargedeck is an independent product from ChargeDeck Ltd. Gumroad is named here only to compare the two.
Gumroad is a trademark of its owner and is named here for comparison only. Chargedeck is not affiliated with or endorsed by Gumroad. Competitor pricing and features were read from gumroad.com/pricing on 6 November 2026 and may have changed. If something here is out of date, tell us and we will correct it.
Build your first checkout in a couple of minutes. Free for 7 days, no card, 0% of your sales.