Earns.io

SIDE BY SIDE

Put two or three platforms side by side

Pick the ones you are actually choosing between. The same questions get asked of each, the answers come off the company's own pages, and every figure carries the day we read it.

Places that pay youThings you build on

Eight questions about what it costs and who owns the result, asked of each one.

2 PLATFORMS · 8 QUESTIONS · 5 ANSWERED BY ALL · 1 WHERE ONE STAYS SILENT

You picked one, so a second column was added to give it something to sit next to. Change it above.

Payhip
Gumroad

What it costs you

What it really costs to startAll in, not the first-year promotional price.
PayhipVao cua mien phi, doi lay 5% moi giao dichFree Forever plan: $0 a month, all features and unlimited products, but Payhip charges a 5% fee on every transaction.source · checked 2026-09-07
Gumroad10% + $0.50 per sale, nothing upfrontNo signup or subscription cost to start selling; Gumroad's cut is 10% + $0.50 per transaction on sales through your own profile or links.source · checked 2026-09-07
What it costs to keep alivePer year, once the introductory pricing is over.
PayhipTra $29 hoac $99/thang de ha phi ve 2% hoac 0%Plus tier is $29 a month and cuts the fee to 2%; Pro is $99 a month with no Payhip transaction fee at all.source · checked 2026-09-07
GumroadNo monthly feeNo monthly or annual fee to keep a store open; the only recurring cost is the percentage deducted from each sale.source · checked 2026-09-07

The gate before the first cent

The gate before it pays anythingThe traffic, sales or balance you must reach before a single cent moves.
PayhipWe have not checked this one yet
GumroadPays out at a $100 balance$100 USD balance, with higher local minimums in a long list of countriessource · checked 2026-09-08 · read the page
How long before the first paymentThe gap you have to fund out of your own pocket.
PayhipPayout cycleMoney is sent to the seller's own connected payment processor at the time of purchase, so there is no monthly Payhip payout cycle.source · checked 2026-09-07
Gumroad25% held 90 days above a 15% refund rateNo fixed payout schedule in the terms; above a 15% refund rate Gumroad reserves 25% of a seller's pending funds for 90 days on a rolling basis.source · checked 2026-09-07

Is it yours or theirs

Who owns what you buildYours, or a room you are allowed to sit in until the rules change?
PayhipTen mien rieng chi la tuy chon, khong bat buocConnecting your own domain is an optional feature, not how the store works by default: the help page states that it is not required to connect a domain to use Payhip.source · checked 2026-09-07
GumroadSeller owns it; licence is perpetual and irrevocableSellers keep ownership, but grant Gumroad a perpetual, irrevocable, worldwide, non-exclusive and fully sublicensable licence over their content.source · checked 2026-09-07
Can you take it with youThe domain, the list, the content. What actually leaves with you.
PayhipDanh sach khach xuat CSV bang mot nutThe full customer list exports to CSV from the admin dashboard with one Export button.source · checked 2026-09-07
GumroadWe have not checked this one yet
Can it be soldIs there a resale market, and what does it pay?1 of 2 publish this
PayhipDoes not publish thisNot published in the account-settings, payments, customers or getting-started help categories; payhip.com/terms and /pricing return HTTP 403 to non-browser clients.source · checked 2026-09-07
GumroadNo transfer without consentNot freely sellable: handing your account and username to another party without Gumroad's consent is listed as prohibited conduct.source · checked 2026-09-07
What takes it all awayThe single rule, ban or dependency that ends it overnight.
PayhipBan nham hang cam: xoa tai khoan vinh vien, khong bao truocSelling banned content risks the Payhip account being permanently deleted without prior notice.source · checked 2026-09-07
GumroadTermination without cause or noticeGumroad may halt sales and suspend or terminate an account at any time, in its sole discretion, without cause or notice.source · checked 2026-09-07

There is no winner at the bottom of this table

Nothing here gets added up. A score would have to decide that these questions weigh the same for everyone, and they do not. A lower cash-out bar is better if you need the money this month and worse if it arrives as a gift card you cannot spend on rent. One payout method is fine right up until it is the one that does not work where you live.

The rows worth your attention are usually the ones where the columns disagree about whether to answer at all. A platform that publishes its fee and a platform that does not are not two platforms with different fees. One of them has told you, and you can hold them to it.

Rows marked as not checked are about us, not about them. They mean nobody here has gone looking yet, and they stay visible for that reason. Found a figure that has moved? Tell us, and it gets a new source and a new date rather than a quiet edit.

ALL PLATFORMS