Gumroad vs iyzico

Gumroad is a platform for selling digital products, founded in 2011 by Sahil Lavingia in San Francisco. Creators use it to sell ebooks, templates, courses, software licenses, music, art and memberships through a simple product page or storefront, without building a website or setting up a payment stack.

There is no monthly fee. Gumroad takes a flat fee of 10 percent on direct sales plus payment processing, and a higher 30 percent fee when a sale comes through Discover, its marketplace. Gumroad handles sales tax and VAT as merchant of record, which removes a major administrative burden for creators selling internationally. Features include discount codes, upsells, pay-what-you-want pricing, license keys, memberships with recurring billing, affiliates, email updates to customers, simple analytics and a basic course player. Payouts go to bank accounts or PayPal depending on the creator's country.

Gumroad is ideal for testing whether a digital product sells and for creators with modest revenue. As sales grow, the 10 percent fee becomes significant, and design customization and marketing tools stay limited. Lemon Squeezy is a merchant-of-record alternative aimed at software, Payhip charges lower fees on paid plans, Kajabi and Podia bundle courses, email and websites, and some creators move to their own Stripe setup with a separate tax service.

In 2025 Gumroad made its codebase public, continuing its unusual openness about company metrics and operations.

iyzico is a Turkish payment company founded in Istanbul and acquired in 2019 by PayU, the payments business of Prosus. As a licensed payment institution, it lets businesses in Turkey accept online card payments without setting up a separate virtual POS agreement with each bank.

Merchants get card payments with installment options across Turkish banks, 3D Secure, recurring subscription billing, marketplace payments that split funds between sub-merchants, payment links and a hosted checkout form. Buyers can pay with the iyzico wallet (iyzico ile Öde) using stored cards and balance, and its protected shopping approach builds trust for smaller stores. Plugins and integrations cover platforms such as WooCommerce, Ticimax, IdeaSoft and ikas, and developer APIs and SDKs support custom integrations. Pricing is a commission per transaction that varies with installment count, volume and settlement terms; current rates are published on iyzico's website.

iyzico fits e-commerce stores, SaaS companies and marketplaces selling to customers in Turkey, especially those that want quick onboarding and installment support. Stripe does not onboard Turkish companies, so iyzico is one of the practical alternatives, collecting in Turkish lira under local regulation. Commissions can be higher than direct bank virtual POS rates for high-volume merchants, and businesses selling mainly abroad need international payment options. PayTR, Param and Sipay are local competitors, and large merchants often combine a provider like iyzico with direct bank POS agreements.