Compare
Gumroad vs FastSpring
Only Gumroad · 5
Only FastSpring · 1
Side by side
Pick where your business is registered. Add up to two more providers.
Pick up to 4.
For a business registered in
Onboards businesses in United States
Gumroad
AvailableFastSpring
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.FastSpring
FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal.Pay people abroad
Gumroad
Not offeredFastSpring
Not offeredMulti-currency account
Gumroad
Not offeredFastSpring
Not offeredBusiness cards
Gumroad
Not offeredFastSpring
Not offeredStablecoins
Gumroad
Not offeredFastSpring
Not offeredYield on idle cash
Gumroad
Not offeredFastSpring
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 offeredFastSpring
No yield offeredIs the money protected?
Gumroad
–FastSpring
–Does the rate change?
Gumroad
–FastSpring
–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.FastSpring
No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Published prices
Gumroad
Not publishedFastSpring
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.FastSpring
NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found.Split payments and platform fees
Gumroad
PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found.FastSpring
PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted.Embeddable UI
Gumroad
YesOverlay and Embed widgets open the Gumroad product page or checkout on your own site.FastSpring
YesEmbedded and popup checkouts let customers buy without leaving your site.Pay out to your users
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
Not confirmedNot found on the official pages checked.Cards for your users
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Financing for your users
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
YesRead as "the seller can be an individual": the Payouts Portal accepts Individual accounts with a national tax ID or SSN.Consumer wallets or accounts
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Consumer cards
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Gumroad
No stablecoin productsFastSpring
No stablecoin productsAI 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.FastSpring
Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count.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.FastSpring
Not confirmedNot found on the official pages checked.Cards for AI agents
Gumroad
Not confirmedNot found on the official pages checked.FastSpring
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.FastSpring
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%FastSpring
YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Public API and sandbox
Gumroad
Not confirmedNot researched yet.FastSpring
Not confirmedNot researched yet.In short
Countries onboarded
Gumroad
111 of 170FastSpring
157 of 170Designed for
Gumroad
Individual creators selling e-books, courses, templates or memberships with little setup.FastSpring
Established software and game companies that want a negotiated merchant of record contract and many payout options.Limitations
Gumroad
Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money.FastSpring
No published price list; rates are quoted by sales.| Gumroad Merchant of record | FastSpring 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. | FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal. |
| 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. | No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. 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, platforms and aggregators are restricted business types; no sub-account product was found. |
| Split payments and platform fees | PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found. | PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted. |
| Embeddable UI | YesOverlay and Embed widgets open the Gumroad product page or checkout on your own site. | YesEmbedded and popup checkouts let customers buy without leaving your site. |
| 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": the Payouts Portal accepts Individual accounts with a national tax ID or SSN. |
| 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. | Not confirmedNot found on the official pages checked. |
| Hold stablecoin balances | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| 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 | No stablecoin products |
| 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. | Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count. |
| 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% | YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24. |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 111 of 170 | 157 of 170 |
| Designed for | Individual creators selling e-books, courses, templates or memberships with little setup. | Established software and game companies that want a negotiated merchant of record contract and many payout options. |
| Limitations | Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money. | No published price list; rates are quoted by sales. |
Common questions
Is Gumroad or FastSpring available in more countries?
Gumroad. Of the 170 countries we track, Gumroad onboards businesses in 111 (and 51 more with limits) and FastSpring in 157 (and 1 more with limits). Both serve businesses in 157. Only Gumroad: Venezuela, Palestine, Somalia, Sudan and Myanmar. Only FastSpring: Zambia.
What do Gumroad and FastSpring offer?
Accept payments: Gumroad yes, FastSpring yes. Pay people abroad: Gumroad no, FastSpring no. Multi-currency account: Gumroad no, FastSpring no. Business cards: Gumroad no, FastSpring no. Stablecoins: Gumroad no, FastSpring no. Yield on idle cash: Gumroad no, FastSpring no.
How do Gumroad and FastSpring differ for platforms and embedded finance?
Official MCP server: Gumroad yes, FastSpring not confirmed.
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 FastSpring designed for?
Established software and game companies that want a negotiated merchant of record contract and many payout options. Limitations: No published price list; rates are quoted by sales.
Related comparisons