Merchant of record
Gumroad
Creator storefront that is merchant of record for all sales
95%
of the world’s people live in the 162 countries where Gumroad onboards local businesses.
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.
What it offers
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.
Not offered.
Not offered.
Not offered.
Not offered.
Not offered.
Selling through Gumroad
Digital products, e-books, courses, memberships and subscriptions; calls, commissions and tips once the account is 30 days old. Not allowed: reselling others’ products (including PLR/MRR), IPTV, dropshipping, AI services fulfilled outside Gumroad, web hosting, event tickets, Steam keys, cheats, NSFW content, food/medical/beauty, gift cards and financial instruments, dating, installation/tech-support and in-person services. Physical products appear on the not-allowed list and the pricing FAQ, yet the sales-tax page describes physical products shipped to buyers (conflict).
Individuals or businesses. Payouts need a government photo ID and proof of residence in the payout country (or a business registered there); a business’s bank account must be in its country of registration; US sellers give an SSN. Accounts go through a review (typically after 3–4 sales over $100).
Bank deposit in local currency in the listed countries; PayPal (USD, 2% fee) everywhere else. No Payoneer, Wise, cheque, money order or wire. $100 minimum (higher local minimums in some currencies); daily, weekly, monthly or quarterly schedules; US instant payouts (3%) after 60 days.
Fees
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.
Prices change and may depend on your volume and country. Check the provider’s pricing page before relying on them.
Deeper review
Platform and product capabilities
What you can build on Gumroad: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Reselling products you did not create is not allowed, and no sub-account feature was found.
low confidence
Affiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found.
medium confidence
Overlay and Embed widgets open the Gumroad product page or checkout on your own site.
Embedded finance for your users
Give your users financial products under your brand.
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Read as "the seller can be an individual": individuals sell with a photo ID and proof of residence; US sellers give an SSN.
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
AI agents
Build with AI tools, and let AI agents shop and pay.
Official Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts.
The 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.
low confidence
Working with them
How easy it is to get started.
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%
Where it onboards businesses
Available in 111 of the 170 countries we track, limited in 51.
Bank payouts in local currency in the listed countries (UAE: business accounts only). Elsewhere Gumroad pays only by PayPal in USD, and cannot pay creators where PayPal accounts cannot receive money, such as Zambia, Syria, Russia and Iraq. Its code blocks Cuba, Iran and North Korea.
Medium confidence: compiled from public sources, not yet checked line by line. Spotted a wrong country? Report it on that country’s page.
North America · 2
Latin America · 18
Europe · 38
Middle East · 8
Africa · 22
Europe · 3
Middle East · 3
Africa · 26
Gumroad: common questions
Which countries does Gumroad support?
Gumroad onboards businesses registered in 111 of the 170 countries we track, and in 51 more with limits (Brazil, China, Belize, Haiti, Honduras, Nicaragua, Suriname, Venezuela and 43 more). Not available: Cuba, Belarus, Russia, Iran, Iraq, Syria, Zambia and North Korea.
Where is Gumroad available, by region?
Countries where Gumroad onboards businesses (fully or with limits), by region: North America 2 of 2, Latin America 25 of 26, Europe 41 of 43, Middle East 11 of 14, Africa 48 of 49, Asia-Pacific 35 of 36.
What does Gumroad offer?
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.
Does Gumroad support stablecoins?
No stablecoin products are listed for Gumroad.
Can marketplaces and platforms use Gumroad?
Sub-accounts for your users: No (Reselling products you did not create is not allowed, and no sub-account feature was found). Split payments and platform fees: Partly (Affiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found). Embeddable UI: Yes (Overlay and Embed widgets open the Gumroad product page or checkout on your own site). Pay out to your users: Not confirmed (Not found on the official pages checked).
What are the alternatives to Gumroad?
Other merchant of record providers we track: Paddle, Stripe Managed Payments, Polar, FastSpring, Dodo Payments and Creem. Which one fits depends mostly on where your business is registered.
Sources
- Gumroad Help: Getting paid by Gumroad (bank payout countries, PayPal) ↗
- Gumroad pricing (merchant of record since 1 January 2025) ↗
- Gumroad Help: Sales tax on Gumroad ↗
- Gumroad Help: Gumroad’s fees ↗
- Gumroad Help: Things not allowed on Gumroad ↗
- Gumroad Help: Sell digital services ↗
- Gumroad Help: Integrating Gumroad into websites ↗
- Gumroad Help: Connecting AI assistants (MCP) ↗
- Gumroad source code: compliance country lists ↗