Ko-fi vs Gumroad

At a Glance

Ko-fi

Gumroad

Ko-fi

No data available.

Gumroad

Pros

Lowest barrier to start selling anything digital — you can have a product page live in 5 minutes with no technical setup+167
The creator community and discovery features give small products some organic visibility you don't get with pure payment processors+142

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Cons

The fee structure (10% on free, 0% on paid plan but $10/mo) makes unit economics tricky for low-margin or high-volume products+156
Checkout is hosted on Gumroad's domain which feels less professional than a custom checkout for SaaS products+134
Payout holds and account restrictions are reported frequently by creators and the appeal process is slow and opaque+119
No real subscription management features — upgrading plans or managing per-seat billing requires manual workarounds+98