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Gumroad vs Substack
Gumroad and Substack are both creator platforms. On a $1,000 payment you keep about $699.50–$899.50 on Gumroad and $900 on Substack, 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 $900 on Substack, before withdrawal or currency-conversion costs.
- Only Gumroad offers PayPal and Bank transfer. Only Substack offers Stripe.
- Gumroad is the older platform — founded in 2011, 6 years before Substack (2017).
Which should you choose?
Choose Gumroad if…
- You want to withdraw via PayPal and Bank transfer.
- You prefer a long track record (since 2011).
Choose Substack if…
- Keeping more of each payment matters most — its fee is lower.
- 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…
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Substack
A newsletter and media platform where writers and podcasters publish free and paid subscriptions. Writers own…
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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 | 10% of paid subscriptions |
| Minimum payout | $100 (higher in some countries) | — |
| Payout speed | Weekly, monthly or quarterly (daily for eligible US sellers) | — |
| Withdraw via | PayPal, Bank transfer | Stripe |
| Availability | Worldwide | Worldwide |
| Founded | 2011 | 2017 |
| Headquarters | San Francisco, California, United States | San Francisco, California, United States |
| Popularity | 43 views · 0 likes | 49 views · 0 likes |
Frequently asked questions
Which is cheaper, Gumroad or Substack?
On a $1,000 payment you keep about $699.50–$899.50 on Gumroad and $900 on Substack, before withdrawal or currency-conversion costs.
Where are Gumroad and Substack available?
Gumroad: Worldwide. Substack: Worldwide.