Gumroad vs Whop
We give Gumroad a 2.6 GPA and Whop a 3.4, out of 4.0. Whop grades higher on value for money and ease of use. They get the same grade on the free plan, features and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
How we grade them
| 2.6GPAGumroadGood | 3.4GPAWhopVery good | |
|---|---|---|
| Value for money | DNo monthly fee, but Gumroad keeps 10% + 50¢ of each direct sale: $100 on $1,000, plus 50¢ an order. Card processing of 2.9% + $0.30 comes on top and isn't counted. That's in this category's dearest tenth, though it does handle sales tax for you. | BNo monthly fee: 2.7% + 30¢ a domestic card sale, so $1,000 costs $27 plus 30¢ a sale, and that is the card processing, with nothing on top. Cheaper than anything else here at this size, but not an A: tax handling adds 2% and faster payouts cost extra. |
| Free plan and trial | ANothing to pay until you sell, with every feature, unlimited products and no cap a normal person would reach. The fee comes out of each sale instead, and the value grade counts that. | ANothing to pay until you sell, with no monthly fee and no plan to upgrade to. Each sale's card fee is the only charge, and the value grade counts that. |
| Features | BDownloads, memberships, courses, license keys, pay-what-you-want, email broadcasts and workflows, affiliates and a Discover marketplace. Physical goods aren't allowed, but that's outside this job, so nothing's missing from the core. | BStorefront and checkout in 195 countries, plus chat, courses with quizzes, forums, paid events, files and bookings for each product, license keys, a marketplace and affiliates. It covers the whole job. |
| Ease of use | CNo App Store rating on record. You build a profile store with a page editor and set up products on the web; the iPhone and Android apps only track sales and open purchases. | A4.82 from about 58,000 App Store ratings, among the best here. Building a product means picking apps such as chat or courses to add to it, rather than designing pages. |
| Platforms and integrations | BWeb, iPhone and Android, with Stripe, PayPal, Zapier, Discord and Circle, plus a checkout you can embed on your own site. No desktop app, which an A needs. | BWeb and iPhone, with Klarna, Afterpay, Splitit, SeQura and Venmo, an embeddable checkout and SDKs in TypeScript, Python and Ruby. No Android or desktop app is listed. |
| Best for | a first digital product with no monthly bill | selling access to paid communities |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Gumroad and Whop. How we grade
Price against what you get
Gumroad has no paid plan and scores 2.7 out of 4 on features, ease of use and platforms. Whop has no paid plan and scores 3.3.
Whop scores higher for the same starting price. Of the other tools for selling digital products on the chart, none scores higher than Gumroad for less, and none scores higher than Whop for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Gumroad is free. Whop is free.
- Only Gumroad lists an Android app.
- Gumroad also covers email campaigns and merchant of record.
- Whop also covers online courses and community.
At a glance
| Gumroad | Whop | |
|---|---|---|
| Pricing | Free | Free |
| Starts at | Free | Free |
| Free plan | No monthly fee. Gumroad keeps 10% + $0.50 of each direct sale plus card processing (2.9% + $0.30), or a flat 30% on sales made through its Discover marketplace. | No monthly fee is listed. Whop charges 2.7% + $0.30 per domestic card sale, plus 1.5% for international cards and 1% for currency conversion. |
| Free trial | None listed | None listed |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Gumroad, Inc. | Whop |
| Price read from | gumroad.com | docs.whop.com |
| Checked | Oct 18, 2026 | Oct 18, 2026 |
Who each one suits
Gumroad
- Creators testing a first product who want no monthly bill
- Sellers who want sales tax and VAT handled for them
- Software makers who need license keys with each sale
Whop
- Creators selling paid community access with courses and chat
- Sellers who want marketplace exposure through affiliates
- Developers embedding checkout and payouts in their own app
Worth knowing
Gumroad
- Gumroad keeps 10% + $0.50 of every direct sale plus 2.9% + $0.30 card processing; Discover marketplace sales cost a flat 30%.
- Physical goods are not allowed: Gumroad is for digital products, memberships and services only.
- Payouts go out by direct deposit or PayPal depending on the seller's country.
- The mobile apps track sales and open purchases, but accounts and products are set up on the web.
Whop
- Optional extras stack on the 2.7% + $0.30 card fee: payment routing 0.8%, billing 0.5%, tax collection 2%, or 6% + $0.30 with all on.
- Products listed on Discover are promoted by affiliates at a default 30% commission unless you change the rate.
- Purchases under $700 made in Whop's iOS app go through Apple, which takes 30%; subscriptions and web checkout avoid that fee.
- Fast payouts cost extra: instant bank deposit 4% + $2.50, crypto 5% + $1 and Venmo 5% + $2.50 per payout.
Key features
Gumroad
- Profile store or embedded checkout
- Build a storefront with Gumroad's page editor on a custom domain, or embed its checkout and follow button on a site you already have.
- Memberships and subscriptions
- Charge monthly, quarterly, twice a year or yearly, or a fixed number of payments, with members keeping access to a content library while subscribed.
- Merchant of record
- Gumroad collects and remits sales tax, VAT and GST on sales where it has an obligation, so sellers have no tax settings to manage.
- Software and file options
- License keys for software, several versions of one product (PDF, ePub or lossless audio), pay-what-you-want pricing and light DRM.
- Audience tools
- Import an email list, post updates, send email broadcasts and automated workflows, run an affiliate program and read sales analytics.
- Mobile apps
- iOS and Android apps show daily, monthly and all-time sales with push notifications, and let buyers open or download their purchases.
Whop
- Apps for each product
- Add chat, courses with quizzes, forums, events with paid tickets, file sharing, rich content pages and calendar bookings to what you sell.
- Checkout and payment methods
- Checkout in 195 countries and 135+ currencies with 100+ payment methods, ACH debit, and Klarna or Afterpay financing.
- Discover marketplace and affiliates
- List products on Whop's marketplace, where global affiliates can promote them for a default 30% commission; custom affiliates are also supported.
- Payouts
- Withdraw by next-day ACH, instant bank deposit, crypto, Venmo, wire or local bank transfer, each with its own fee.
- Tax options
- Whop handles tax on Discover sales; for direct sales it can collect tax for you, or collect and remit it in the US, EU and UK, for 2%.
- Developer tools
- Embeddable checkout, wallet and chat components, license keys for downloadable software, and SDKs in TypeScript, Python and Ruby.
Plans
Gumroad
Direct sales$0
No subscription. The seller pays 10% + $0.50 of each sale through a profile or direct link, plus card processing of 2.9% + $0.30 or PayPal fees.
Discover marketplace$0
Sales to new customers who find you through Gumroad's Discover marketplace carry a flat 30% fee, which includes processing.
Whop
Payments$0
Per-sale pricing: 2.7% + $0.30 for domestic cards, +1.5% international, +1% currency conversion; ACH 1.5% up to $5; financing 15%.
Ways to pay less
Gumroad
- Other savings
Lower fee above $20,000 in monthly sales
Once paid sales in a calendar month reach $20,000, new direct sales that month cost 5% + $0.50 instead of 10% + $0.50; it resets each month.
Whop
No public discounts listed.
