Starts atFree, 10% + $0.50/sale
- Free option listed
Head-to-head
Gumroad vs Whop: where should a creator sell digital products?
At a glance
Starts atFree to start; 2.7% + $0.30 card processing, no platform fee listed
- Free plan
Neither charges a monthly fee. Gumroad takes 10% + $0.50 per sale, or 30% when a new buyer finds you through Discover. Whop charges payment processing of 2.7% + $0.30 on domestic cards, plus a platform fee our data lists at about 3%. On paper Whop is cheaper per sale. Gumroad is simpler for one-off digital files. Whop is built for paid communities, memberships and software access.
Quick verdict
Side-by-side comparison
| Detail | Gumroad | Whop |
|---|---|---|
| Monthly fee | None | None listed |
| Fee per sale | 10% + $0.50 | Processing: 2.7% + $0.30 domestic cards. Platform fee about 3% (ShortStack data, not on Whop's fee doc) |
| Marketplace fee | 30% on Discover sales | Not on Whop's fee doc (Oct 2026) |
| International cards | Not on Gumroad's pricing page (Oct 2026) | +1.5%, plus 1% for currency conversion |
| Payouts | Direct deposit or PayPal, by country | Next-day ACH $2.50. Bank wire $23 |
| Disputes | Not on Gumroad's pricing page (Oct 2026) | $15 per dispute |
| Best for | E-books, presets, templates | Communities, courses, memberships |
What selling costs you
Say you sell 50 templates at $20, so $1,000 a month. Gumroad takes 10% + $0.50 each: $100 + $25 = $125. On Whop, processing is 2.7% + $0.30 each: $27 + $15 = $42, plus about $30 platform fee, so about $72 before payout fees. Gumroad Discover sales would cost 30%, or $300.
How to choose
- Selling one-off files and want it simple? Gumroad.
- Selling a monthly membership or Discord access? Whop.
- Doing over a few hundred dollars a month? Run the fee math above with your numbers.
- Check payout fees in your country before you switch.
Questions people ask
Is Whop cheaper than Gumroad?
Per sale, usually yes. Gumroad takes 10% + $0.50. Whop processing is 2.7% + $0.30 plus a platform fee of about 3% in our data, before payout fees.
Does Gumroad have a monthly fee?
No. Gumroad only takes a share of each sale.
What can you sell on Whop?
Communities, courses, software and digital products, often as memberships.
Related: Beacons vs Gumroad, tools to sell digital products.
Sources: gumroad.com/pricing, docs.whop.com/fees. Whop's platform fee is not on its fee doc, so that figure is ShortStack data. Checked on 16 October 2026. Based on published plans and terms, not a hands-on test.