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Paddle vs Gumroad
Only Paddle · 1
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Pick where your business is registered. Add up to two more providers.
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Onboards businesses in United States
Paddle
AvailableGumroad
AvailableAccept payments
Paddle
Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer.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.Pay people abroad
Paddle
Not offeredGumroad
Not offeredMulti-currency account
Paddle
Not offeredGumroad
Not offeredBusiness cards
Paddle
Not offeredGumroad
Not offeredStablecoins
Paddle
Not offeredGumroad
Not offeredYield on idle cash
Paddle
Not offeredGumroad
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
Paddle
No yield offeredGumroad
No yield offeredIs the money protected?
Paddle
–Gumroad
–Does the rate change?
Paddle
–Gumroad
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Paddle
5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries a 2–3% FX margin; chargebacks cost up to 20 GBP/USD/EUR. Seen 2026-10-24.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.Published prices
Paddle
Not publishedGumroad
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Paddle
NoThe Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces.Gumroad
NoReselling products you did not create is not allowed, and no sub-account feature was found.Split payments and platform fees
Paddle
NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found.Gumroad
PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found.Embeddable UI
Paddle
YesBranded checkout flows that can be embedded in your website or app.Gumroad
YesOverlay and Embed widgets open the Gumroad product page or checkout on your own site.Pay out to your users
Paddle
Not confirmedNot found on the official pages checked.Gumroad
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
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Cards for your users
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Financing for your users
Paddle
Not confirmedNot found on the official pages checked.Gumroad
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
Paddle
PartlyRead as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found.Gumroad
YesRead as "the seller can be an individual": individuals sell with a photo ID and proof of residence; US sellers give an SSN.Consumer wallets or accounts
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Consumer cards
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Issue your own stablecoin
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Paddle
No stablecoin productsGumroad
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Paddle
YesOfficial remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026.Gumroad
YesOfficial Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts.Checkout for AI agents
Paddle
Not confirmedThe AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found.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.Cards for AI agents
Paddle
Not confirmedNot found on the official pages checked.Gumroad
Not confirmedNot found on the official pages checked.Working with them
How easy it is to get started.
Self-serve signup
Paddle
Not confirmedNot researched yet.Gumroad
Not confirmedNot researched yet.Published pricing
Paddle
Yes5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carriesGumroad
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%Public API and sandbox
Paddle
Not confirmedNot researched yet.Gumroad
Not confirmedNot researched yet.In short
Countries onboarded
Paddle
148 of 170Gumroad
111 of 170Designed for
Paddle
Software, SaaS and app companies in most countries that want one company to handle global tax and payments.Gumroad
Individual creators selling e-books, courses, templates or memberships with little setup.Limitations
Paddle
Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.Gumroad
Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money.| Paddle Merchant of record | Gumroad Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer. | 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. |
| 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 | 5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries a 2–3% FX margin; chargebacks cost up to 20 GBP/USD/EUR. Seen 2026-10-24. | 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. |
| 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 | NoThe Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces. | NoReselling products you did not create is not allowed, and no sub-account feature was found. |
| Split payments and platform fees | NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found. | PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found. |
| Embeddable UI | YesBranded checkout flows that can be embedded in your website or app. | YesOverlay and Embed widgets open the Gumroad product page or checkout on your own 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 | PartlyRead as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found. | YesRead as "the seller can be an individual": individuals sell with a photo ID and proof of residence; US sellers give an 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 remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026. | YesOfficial Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts. |
| Checkout for AI agents | Not confirmedThe AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found. | 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. |
| 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 | Yes5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries | 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% |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 148 of 170 | 111 of 170 |
| Designed for | Software, SaaS and app companies in most countries that want one company to handle global tax and payments. | Individual creators selling e-books, courses, templates or memberships with little setup. |
| Limitations | Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly. | Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money. |
Common questions
Is Paddle or Gumroad available in more countries?
Gumroad. Of the 170 countries we track, Paddle onboards businesses in 148 (and 1 more with limits) and Gumroad in 111 (and 51 more with limits). Both serve businesses in 148. Only Paddle: Zambia. Only Gumroad: Haiti, Nicaragua, Venezuela, Yemen, Central African Republic, DR Congo, Libya, Mali, Somalia, South Sudan, Sudan, Zimbabwe and 2 more.
What do Paddle and Gumroad offer?
Accept payments: Paddle yes, Gumroad yes. Pay people abroad: Paddle no, Gumroad no. Multi-currency account: Paddle no, Gumroad no. Business cards: Paddle no, Gumroad no. Stablecoins: Paddle no, Gumroad no. Yield on idle cash: Paddle no, Gumroad no.
How do Paddle and Gumroad differ for platforms and embedded finance?
Split payments and platform fees: Paddle no, Gumroad partly. End users can be individuals: Paddle partly, Gumroad yes.
Who is Paddle designed for?
Software, SaaS and app companies in most countries that want one company to handle global tax and payments. Limitations: Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.
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.
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