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Stripe

Stripe

SaaS & Developers

VS

Gumroad

Digital Creators

Gumroad
Fees from
1.5%–3.15% + 1.8 SEK vs 10% + $0.5
Features

1 shared

5 unique to Stripe
Regions

3 shared

4 unique to Stripe
Pay methods

7 shared

13 unique to Stripe · 1 unique to Gumroad
On licensing

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Gumroad Gumroad
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
10% + $0.5
Settlement
Time to receive funds
2–4 business days
7 business days
Founded
2010
2011
Headquarters
South San Francisco, California
San Francisco, California
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 8)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
✓
—
Discover
✓
✓
Google Pay Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Maestro Unique
—
✓
Mastercard
✓
✓
Paypal
✓
✓
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 3)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Gumroad
Need Enterprise
Not available with Gumroad
Want coverage in Africa, Latin America, Middle East, Oceania
Gumroad doesn't cover these regions
View Stripe

Gumroad is best when you...

Digital Creators
View Gumroad

Frequently Asked Questions

What is the difference between Stripe and Gumroad?
They share 7 payment methods and 3 regions. Stripe adds ACH, Affirm, Afterpay and 10 more that Gumroad does not list; Gumroad adds Maestro that Stripe does not list; Stripe also covers Africa, Latin America and 2 more; only Stripe offers Crypto Support, Enterprise and 3 more.
Which is cheaper, Stripe or Gumroad?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; Gumroad has published rates from 10% + $0.5. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Stripe and Gumroad?
Stripe lists 7 regions and 20 payment methods; Gumroad lists 3 and 8. both cover Asia, Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Stripe and Gumroad compare on integration and settlement?
Stripe offers a sandbox, Gumroad does not list one; both support webhooks; Stripe settles in 2–4 business days, Gumroad in 7 business days.

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