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 · 6 ANSWERED BY ALL

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

Raptive
Gumroad

What it costs you

What it really costs to startAll in, not the first-year promotional price.
RaptiveWe have not checked this one yet
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.
RaptiveRevenue shareRaptive keeps up to 25% of ad revenue; the creator is paid at least 75% of ad revenue each calendar month.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.
RaptiveEligibility thresholdA site must consistently receive at least 25,000 pageviews a month to be eligible to join.source · checked 2026-09-07
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.
RaptivePayment lagThe fee is submitted to Raptive's payment processor within 45 days after the end of each calendar month. Submission is not arrival, and delays at the processor are excluded.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?
RaptiveWho owns itEmail and subscriber lists Raptive builds or manages for a creator are owned by the creator, but Raptive alone holds the right to use them during the term.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.
RaptivePortabilityOn exit Raptive owes only commercially reasonable efforts to hand back the subscriber lists it holds, not a guaranteed export.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?
RaptiveResale and transferThe agreement cannot be assigned, except to a successor when the creator merges, is acquired, or sells the assets tied to the site.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.
RaptiveWhat wipes it outRaptive may terminate the agreement, or suspend or terminate the services, at any time by giving notice. It may also act if it decides, in its sole discretion, that the site breaks the Raptive Policies, which live inside the dashboard.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