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Gumroad vs Ko-fi
Gumroad and Ko-fi are both creator platforms. On a $1,000 payment you keep about $699.50–$899.50 on Gumroad and $1,000 on Ko-fi, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $699.50–$899.50 on Gumroad and $1,000 on Ko-fi, before withdrawal or currency-conversion costs.
- Ko-fi has the lower minimum payout (no minimum vs $100).
- Both pay out via PayPal. Only Gumroad offers Bank transfer. Only Ko-fi offers Stripe.
- Gumroad is based in United States, Ko-fi in United Kingdom.
Which should you choose?
Choose Gumroad if…
- You want to withdraw via Bank transfer.
Choose Ko-fi if…
- Keeping more of each payment matters most — its fee is lower.
- You want to cash out small amounts.
- You want to withdraw via Stripe.
Side by side
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Gumroad
A storefront for selling digital products directly to your audience - ebooks, courses, software, and membershi…
Visit
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Ko-fi
A creator page for one-off tips, memberships, commissions, and shop sales. Donations carry no platform fee, an…
Visit
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|---|---|---|
| Type | Creator platforms like Patreon | Creator platforms like Patreon |
| Category | Creator Economy | Creator Economy |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | 10% + $0.50 per sale plus card processing, 30% flat on Discover sales | 0% on donations |
| Minimum payout | $100 (higher in some countries) | No minimum |
| Payout speed | Weekly, monthly or quarterly (daily for eligible US sellers) | Instant, paid straight to your PayPal or Stripe |
| Withdraw via | PayPal, Bank transfer | PayPal, Stripe |
| Availability | Worldwide | Worldwide |
| Founded | 2011 | 2012 |
| Headquarters | San Francisco, California, United States | London, United Kingdom |
| Popularity | 43 views · 0 likes | 55 views · 0 likes |
Frequently asked questions
Which is cheaper, Gumroad or Ko-fi?
On a $1,000 payment you keep about $699.50–$899.50 on Gumroad and $1,000 on Ko-fi, before withdrawal or currency-conversion costs.
How fast do Gumroad and Ko-fi pay out?
Gumroad: Weekly, monthly or quarterly (daily for eligible US sellers). Ko-fi: Instant, paid straight to your PayPal or Stripe.
Where are Gumroad and Ko-fi available?
Gumroad: Worldwide. Ko-fi: Worldwide.