Gumroad
the simplest deal here and the most expensive — one flat 10%, everything included.
full merchant of record with nothing to configure, at more than double creem's effective cost — a fair trade at small scale and a punishing one at any size.
since 1 january 2025 gumroad has been merchant of record on all sales, and its terms are clear that it 'will be treated as the supplier or principal for relevant indirect tax purposes' and is responsible for administration, collection, reporting and remittance. income tax on your earnings remains yours, as everywhere.
10% plus $0.50 is the highest headline in this ranking — 11.0% effective on a $50 sale against creem's 4.7% — with no monthly fee and nothing to set up. for someone selling a few hundred dollars a month that difference is a few dollars; at $20,000 a month it is over a thousand dollars monthly against the cheapest option here.
the description above is ours, condensed from the ranking. pricing moves — check it on the vendor's own page before you rely on it.
- category
- merchant of record providers
- pricing
- 10% + $0.50
- website
- gumroad.com
full merchant of record with nothing to configure, at more than double creem's effective cost — a fair trade at small scale and a punishing one at any size.
we researched this category against vendors' own pricing pages and licence files. that is where this line comes from — not from the vendor, and not from anything they paid for.
more merchant of record providers
Creem
we checked this3.9% + $0.40cheapest published rate of any genuine merchant of record, with no international surcharge to undo it.
Paddle
we checked this5% + $0.50the broadest tax definition in the category, at a flat rate with nothing bolted on top.