Compare
Gumroad vs Dodo Payments
Only Gumroad · 33
Only Dodo Payments · 1
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Pick where your business is registered. Add up to two more providers.
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For a business registered in
Onboards businesses in United States
Gumroad
AvailableDodo Payments
AvailableAccept payments
Gumroad
Gumroad hosts your store and checkout and acts as merchant of record for all sales, collecting and remitting sales tax and VAT. Mainly digital products, memberships and some digital services.Dodo Payments
Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery.Pay people abroad
Gumroad
Not offeredDodo Payments
Not offeredMulti-currency account
Gumroad
Not offeredDodo Payments
Not offeredBusiness cards
Gumroad
Not offeredDodo Payments
Not offeredStablecoins
Gumroad
Not offeredDodo Payments
Not offeredYield on idle cash
Gumroad
Not offeredDodo Payments
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Gumroad
No yield offeredDodo Payments
No yield offeredIs the money protected?
Gumroad
–Dodo Payments
–Does the rate change?
Gumroad
–Dodo Payments
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Gumroad
10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3%. No monthly fee. Seen 2026-10-24.Dodo Payments
Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24.Published prices
Gumroad
Not publishedDodo Payments
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Gumroad
NoReselling products you did not create is not allowed, and no sub-account feature was found.Dodo Payments
NoMarketplaces, multi-vendor platforms and selling on behalf of others are not supported.Split payments and platform fees
Gumroad
PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found.Dodo Payments
NoTaking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found.Embeddable UI
Gumroad
YesOverlay and Embed widgets open the Gumroad product page or checkout on your own site.Dodo Payments
YesOverlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025).Pay out to your users
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Cards for your users
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Financing for your users
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Gumroad
YesRead as "the seller can be an individual": individuals sell with a photo ID and proof of residence; US sellers give an SSN.Dodo Payments
YesRead as "the seller can be an individual": individual accounts verify with their own government ID.Consumer wallets or accounts
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Consumer cards
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
YesCustomers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions.Hold stablecoin balances
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
NoStablecoin payments settle in USD, so you do not hold crypto.Pay out in stablecoins
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Gumroad
No stablecoin productsDodo Payments
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Gumroad
YesOfficial Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts.Dodo Payments
YesOfficial Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds.Checkout for AI agents
Gumroad
Not confirmedThe Gumroad MCP connector cannot take payments or run checkout (customers always pay through Gumroad checkout). No official page addresses agent-buying protocols or agent-initiated checkout.Dodo Payments
Not confirmedNot found on the official pages checked.Cards for AI agents
Gumroad
Not confirmedNot found on the official pages checked.Dodo Payments
Not confirmedNot found on the official pages checked.Working with them
How easy it is to get started.
Self-serve signup
Gumroad
Not confirmedNot researched yet.Dodo Payments
Not confirmedNot researched yet.Published pricing
Gumroad
Yes10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3%Dodo Payments
YesStandard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15Public API and sandbox
Gumroad
Not confirmedNot researched yet.Dodo Payments
Not confirmedNot researched yet.In short
Countries onboarded
Gumroad
111 of 170Dodo Payments
130 of 170Designed for
Gumroad
Individual creators selling e-books, courses, templates or memberships with little setup.Dodo Payments
SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts.Limitations
Gumroad
Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money.Dodo Payments
Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.| Gumroad Merchant of record | Dodo Payments Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Gumroad hosts your store and checkout and acts as merchant of record for all sales, collecting and remitting sales tax and VAT. Mainly digital products, memberships and some digital services. | Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery. |
| Pay people abroad | Not offered | Not offered |
| Multi-currency account | Not offered | Not offered |
| Business cards | Not offered | Not offered |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | 10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3%. No monthly fee. Seen 2026-10-24. | Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24. |
| Published prices | Not published | Not published |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | NoReselling products you did not create is not allowed, and no sub-account feature was found. | NoMarketplaces, multi-vendor platforms and selling on behalf of others are not supported. |
| Split payments and platform fees | PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found. | NoTaking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found. |
| Embeddable UI | YesOverlay and Embed widgets open the Gumroad product page or checkout on your own site. | YesOverlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025). |
| Pay out to your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Cards for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Financing for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | YesRead as "the seller can be an individual": individuals sell with a photo ID and proof of residence; US sellers give an SSN. | YesRead as "the seller can be an individual": individual accounts verify with their own government ID. |
| Consumer wallets or accounts | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer cards | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | Not confirmedNot found on the official pages checked. | YesCustomers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions. |
| Hold stablecoin balances | Not confirmedNot found on the official pages checked. | NoStablecoin payments settle in USD, so you do not hold crypto. |
| Pay out in stablecoins | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Issue your own stablecoin | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Regulatory risk in United States | No stablecoin products | Low risk |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesOfficial Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts. | YesOfficial Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds. |
| Checkout for AI agents | Not confirmedThe Gumroad MCP connector cannot take payments or run checkout (customers always pay through Gumroad checkout). No official page addresses agent-buying protocols or agent-initiated checkout. | Not confirmedNot found on the official pages checked. |
| Cards for AI agents | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| Published pricing | Yes10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3% | YesStandard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 111 of 170 | 130 of 170 |
| Designed for | Individual creators selling e-books, courses, templates or memberships with little setup. | SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts. |
| Limitations | Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money. | Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants. |
Common questions
Is Gumroad or Dodo Payments available in more countries?
Gumroad. Of the 170 countries we track, Gumroad onboards businesses in 111 (and 51 more with limits) and Dodo Payments in 130. Both serve businesses in 129. Only Gumroad: Egypt, Nigeria, Kenya, Morocco, Pakistan, Bangladesh, Haiti, Nicaragua, Venezuela, Ukraine, Kuwait, Lebanon and 21 more. Only Dodo Payments: Zambia.
What do Gumroad and Dodo Payments offer?
Accept payments: Gumroad yes, Dodo Payments yes. Pay people abroad: Gumroad no, Dodo Payments no. Multi-currency account: Gumroad no, Dodo Payments no. Business cards: Gumroad no, Dodo Payments no. Stablecoins: Gumroad no, Dodo Payments no. Yield on idle cash: Gumroad no, Dodo Payments no.
How do Gumroad and Dodo Payments differ for platforms and embedded finance?
Split payments and platform fees: Gumroad partly, Dodo Payments no. Accept stablecoins: Gumroad not confirmed, Dodo Payments yes. Hold stablecoin balances: Gumroad not confirmed, Dodo Payments no.
Who is Gumroad designed for?
Individual creators selling e-books, courses, templates or memberships with little setup. Limitations: Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money.
Who is Dodo Payments designed for?
SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts. Limitations: Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.
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