Gumroad vs Payhip vs Stan Store vs Lemon Squeezy 2026: Fees & Tax

Last updated: October 6, 2026

Last updated: October 6, 2026.

The cheapest place to sell a digital product changes with the price of the product and the number of orders. A platform that looks expensive for a $19 template can be competitive for a $99 course, while a $29 monthly plan makes little sense before sales are steady.

If you sell a $19 Notion template or digital PDF, a fixed 50¢ transaction fee takes 2.6% of your revenue before platform cuts even start. If you sell a $99 design system or software license, a 10% platform fee alone costs you nearly $10 on every single checkout before separate card processing—money that quickly dwarfs a fixed $29/month subscription.

Sales to customers in different countries can create VAT, GST, or sales-tax obligations. A Merchant of Record (MoR) such as Lemon Squeezy or Gumroad generally becomes the seller for covered transactions and handles the associated indirect-tax collection and remittance. Stan Store leaves that work with the seller. Payhip sits between those models: it is not a global MoR, but its current documentation says it handles EU and UK digital VAT, US sales tax, and most Canadian sales tax, with coverage and filing caveats that sellers still need to check.

Below is our interactive net-revenue calculator, followed by the exact fee formulas, multi-tier break-even models ($19, $49, $99), and verified 2026 pricing evidence. This comparison is designed to answer which of these four platforms is the best fit for selling digital products at your actual price and sales volume.

Interactive Net Revenue & Fee Calculator

Estimate monthly fees and take-home revenue.

Product price ($) Monthly sales

Monthly gross:

$2450.00

• Stan Store Creator:
  Fees $115.05 | Net $2334.95
• Lemon Squeezy:
  Fees $147.50 | Net $2302.50
• Payhip Free:
  Fees $208.55 | Net $2241.45
• Payhip Plus:
  Fees $164.05 | Net $2285.95
• Payhip Pro:
  Fees $185.05 | Net $2264.95
• Gumroad Direct:
  Fees $356.05 | Net $2093.95

Baseline model: US domestic-card processing of 2.9% + $0.30 where processing is separate. Lemon Squeezy uses its 5% + $0.50 base fee; documented international, PayPal, subscription and payout surcharges are not included. Gumroad direct sales use 10% + $0.50 plus card processing until the $20,000 monthly paid-sales threshold, then 5% + $0.50 on subsequent direct sales that month.

Best platforms to sell digital products: the quick decision

• Choose Lemon Squeezy if broad Merchant of Record (MoR) coverage matters more than achieving the highest possible cash payout. Its 5% + $0.50 baseline covers standard processing and customer-facing indirect-tax handling without a monthly subscription, although documented international, PayPal, subscription, and payout surcharges can change the result.
• Choose Stan Store ($29/mo) if its social storefront fits how you sell and the fee calculator shows that your order mix amortizes the subscription. Stan charges no additional platform transaction fee, but connected payment processing still applies. There is no universal $1,500 crossover because ticket size and order count both change the result.
• Choose Payhip if you want maximum flexibility on a budget. Its Free Forever plan charges 5% plus payment processing, while its $29/mo Plus plan (2% fee) and $99/mo Pro plan (0% fee) reduce the platform cut as sales grow. Payhip is not a global MoR, but its official tax pages currently describe platform handling for EU/UK VAT, US sales tax, and most Canadian sales tax. Verify country coverage and any residual filing duties before relying on it.
• Choose Gumroad if you value its Discover marketplace or want Gumroad as Merchant of Record. Direct sales currently carry a 10% + $0.50 Gumroad fee plus payment processing; after $20,000 in paid direct sales during a calendar month, new direct sales that month drop to 5% + $0.50. Discover sales use a 30% fee that includes processing.

How We Checked This

We checked official pricing pages, fee documentation, payout schedules, and tax compliance terms for Gumroad, Lemon Squeezy, Payhip, and Stan Store. The screenshots below were captured on August 22, 2026; current official documentation was used for this refresh.

This model assumes US domestic-card processing of 2.9% + $0.30 where processing is charged separately. Gumroad direct sales therefore include its platform fee plus card processing; Lemon Squeezy’s base 5% + $0.50 already includes standard processing. The model excludes Lemon Squeezy edge surcharges, refunds, chargebacks, tax-inclusive fee-base effects, FX, and Gumroad Discover’s 30% marketplace fee.

The 2026 Fee Comparison Table

Three Worked Price Models

To understand why simple percentage comparisons fail, we modeled three distinct digital product archetypes across realistic monthly sales volumes (50 units).

1. The Low-Ticket Item: $19 Template or Ebook (50 Sales = $950 Gross)

At lower price points, fixed per-transaction fees ($0.30 to $0.50) represent a noticeable portion of total costs.

• Lemon Squeezy (5% + $0.50 all-in): Platform & Processing: $47.50 + Transaction fees: $25.00 = $72.50 total cut (7.63%). Net take-home: $877.50. Full MoR tax handling included.
• Stan Store ($29/mo + 2.9% + $0.30): Subscription: $29.00 + Stripe processing: $42.55 ($27.55 + $15.00) = $71.55 total cut (7.53%). Net take-home: $878.45.
• Payhip Free (5% + 2.9% + $0.30): Platform fee: $47.50 + Stripe processing: $42.55 ($27.55 + $15.00) = $90.05 total cut (9.48%). Net take-home: $859.95.
• Gumroad direct (10% + $0.50 + 2.9% + $0.30 processing): Gumroad fee: $120.00 + card processing: $42.55 = $162.55 total cut (17.11%). Net take-home: $787.45.

The $19 Takeaway: Stan Store and Lemon Squeezy finish virtually tied on net revenue (~$878). However, Lemon Squeezy provides full Merchant of Record tax compliance for just 95¢ more per month, making it the superior operational choice.

2. The Mid-Ticket Item: $49 Toolkit or Mini-Course (50 Sales = $2,450 Gross)

As the average order value rises to $49, the fixed per-transaction fee shrinks as a percentage of revenue, making platform percentage cuts the dominant expense.

• Stan Store ($29/mo + 2.9% + $0.30): Subscription: $29.00 + Stripe processing: $86.05 ($71.05 + $15.00) = $115.05 total cut (4.70%). Net take-home: $2,334.95.
• Lemon Squeezy (5% + $0.50 all-in): Platform & Processing: $122.50 + Transaction fees: $25.00 = $147.50 total cut (6.02%). Net take-home: $2,302.50. Full MoR tax handling included.
• Payhip Plus ($29/mo + 2% + 2.9% + $0.30): Subscription: $29.00 + Platform fee: $49.00 + Stripe: $86.05 = $164.05 total cut (6.70%). Net take-home: $2,285.95.
• Payhip Free (5% + 2.9% + $0.30): Platform fee: $122.50 + Stripe: $86.05 = $208.55 total cut (8.51%). Net take-home: $2,241.45.
• Gumroad direct (10% + $0.50 + 2.9% + $0.30 processing): Gumroad fee: $270.00 + card processing: $86.05 = $356.05 total cut (14.53%). Net take-home: $2,093.95.

The $49 Takeaway: At $2,450/month, Stan Store delivers the highest raw payout ($2,334.95). Lemon Squeezy follows at $2,302.50—a $32.45 baseline difference for broader Merchant of Record handling. Gumroad costs $208.55/month more than Lemon Squeezy in this direct-sale model once separate card processing is included.

3. The High-Ticket Item: $99 Bundle or Annual License (50 Sales = $4,950 Gross)

On high-ticket digital goods, percentage fees scale aggressively, while flat subscription models become dramatically cheaper.

• Stan Store ($29/mo + 2.9% + $0.30): Subscription: $29.00 + Stripe processing: $158.55 ($143.55 + $15.00) = $187.55 total cut (3.79%). Net take-home: $4,762.45.
• Payhip Pro ($99/mo + 0% + 2.9% + $0.30): Subscription: $99.00 + Stripe processing: $158.55 = $257.55 total cut (5.20%). Net take-home: $4,692.45.
• Lemon Squeezy (5% + $0.50 all-in): Platform & Processing: $247.50 + Transaction fees: $25.00 = $272.50 total cut (5.51%). Net take-home: $4,677.50. Full MoR tax handling included.
• Payhip Plus ($29/mo + 2% + 2.9% + $0.30): Subscription: $29.00 + Platform: $99.00 + Stripe: $158.55 = $286.55 total cut (5.79%). Net take-home: $4,663.45.
• Gumroad direct (10% + $0.50 + 2.9% + $0.30 processing): Gumroad fee: $520.00 + card processing: $158.55 = $678.55 total cut (13.71%). Net take-home: $4,271.45.

The $99 Takeaway: At $4,950/month, Gumroad loses $406.05/month compared to Lemon Squeezy and $491.00/month compared to Stan Store in this US-card baseline. Stan Store offers the cheapest pure processing, but if 30%+ of your buyers reside in the EU/UK, the compliance overhead of direct Stripe can easily exceed Stan’s $85/month cash advantage.

Multi-Dimensional Break-Even Analysis

Break-even between a fixed monthly subscription (Stan Store at $29/mo, Payhip Plus at $29/mo, or Payhip Pro at $99/mo) and a pure percentage model (Lemon Squeezy at 5% or Payhip Free at 5%) does not occur at a single universal revenue number. It shifts based on average ticket size and transaction count:

1. At $19 AOV: Fixed per-transaction fees dominate. Stan Store ($29/mo) breaks even with Lemon Squeezy after 105 sales ($1,995/month).
2. At $49 AOV: Percentage cuts dominate. Stan Store ($29/mo) breaks even with Lemon Squeezy at just 31 sales ($1,519/month).
3. At $99 AOV: Flat fees win rapidly. Stan Store ($29/mo) becomes cheaper than Lemon Squeezy after 14 sales ($1,386/month).

The Merchant of Record (MoR) Trade-Off

International digital sales can involve destination-based VAT, GST, or state sales tax. The exact obligation depends on the seller, product, customer location, platform role, and current local rules. A direct checkout therefore needs a jurisdiction-by-jurisdiction review rather than a single universal threshold.

Payhip is an important exception to a simple “MoR or completely DIY” split. Its official documentation says it automatically handles digital EU and UK VAT, acts as a marketplace facilitator for US sales tax, and handles Canadian GST/HST and PST while noting a current QST limitation. Sellers may still have registration, zero-return, income-tax, or other obligations, so this is operational guidance rather than tax advice.

Why MoR Matters

With Lemon Squeezy and Gumroad, the platform acts as Merchant of Record for covered transactions and handles the associated customer-facing indirect-tax process. That can remove substantial VAT and sales-tax work, but it does not erase the seller’s income-tax, accounting, reporting, or unsupported-jurisdiction obligations.

A lower checkout fee is not automatically cheaper once tax software, accounting time, refunds, chargebacks, and unsupported countries are included. Put a realistic monthly value on that work before choosing between direct selling and a Merchant of Record.

Decision Rules: Which Platform to Pick

What to Avoid

1. Do not model Gumroad direct sales as 10% + 50¢ all-in. Current Gumroad documentation lists card processing separately. Below $20,000 in monthly paid direct sales, that makes the US-card baseline materially more expensive than the headline fee suggests; after the threshold, new direct sales receive Gumroad’s 5% + 50¢ high-volume rate.
2. Do not assume every non-MoR platform has the same tax model. Stan Store generally leaves tax operations with the seller, while Payhip documents specific platform handling for EU/UK, US, and Canadian sales taxes. Check the current coverage before adding separate tax software.
3. Do not upgrade to Payhip Pro ($99/mo) prematurely. Payhip Pro only becomes cheaper than Payhip Plus ($29/mo + 2%) once your monthly revenue exceeds $3,500/month.

Bottom Line

• For a seller prioritizing broad Merchant of Record coverage, Lemon Squeezy is the strongest documented starting point in this comparison. Its 5% + $0.50 baseline is lower than Gumroad’s direct-sale fee, but international, PayPal, subscription, and payout edge fees still need modeling.
• If your sales are primarily domestic and your order mix absorbs the monthly subscription, Stan Store ($29/mo) can deliver the highest modeled take-home. Use the calculator because revenue alone does not determine the crossover.
• If you want a flexible stepping stone from zero sales to scale, Payhip offers the cleanest upgrade path from Free (5%) to Plus ($29/mo) and Pro ($99/mo).

If you are comparing backend billing engines for SaaS and recurring subscriptions, read our Stripe vs Paddle vs Lemon Squeezy 2026 comparison. If you are evaluating digital tools for your wider creator workflow, visit our AI productivity tools guide.

Sources

• Lemon Squeezy official pricing.
• Lemon Squeezy fee documentation — used for international, PayPal and subscription surcharge caveats.
• Gumroad official pricing.
• Gumroad fee documentation — confirms separate card processing and the $20K monthly high-volume discount.
• Payhip official pricing and plans.
• Payhip digital EU and UK VAT documentation.
• Payhip US sales-tax documentation.
• Payhip Canada sales-tax documentation.
• Stan Store official Creator vs Creator Pro documentation.
• Stan Store transaction-fee documentation.
• Stan Store tax-collection documentation.
• Stripe standard processing fee documentation.