Gumroad vs PayTR

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.

PayTR is a Turkish payment services provider based in Istanbul and licensed as a payment and electronic money institution, helping online businesses in Turkey accept card payments. It is often compared with iyzico by merchants opening a first online store.

The core product is a virtual POS that accepts domestic and international cards with installment options across Turkish bank card programs, 3D Secure flows and fraud screening. Around it PayTR offers payment links (Link ile Ödeme) for businesses without a website; marketplace payment and payout features that split funds between sellers; recurring and subscription payments with stored cards; and transfer or EFT notification tools. Ready-made plugins connect it to WooCommerce, OpenCart, PrestaShop and Turkish e-commerce infrastructures such as İdeasoft, T-Soft and Ticimax, and an API with iFrame and direct integration options serves developers. There is no subscription fee; merchants pay a commission per transaction, with rates depending on settlement timing, installments and volume.

PayTR suits Turkish e-commerce stores, service businesses and marketplaces that need fast onboarding, local support and TL settlement. It is not an option for businesses without a Turkish legal entity or for global multi-currency selling, where Stripe or Adyen are the reference. Against iyzico, which has a consumer wallet and larger ecosystem, and Param or Sipay as other local options, the deciding factor is usually the commission quote and settlement terms you negotiate.