For Gumroad sellers

Your Gumroad dashboard shows what came in. It doesn't show what you kept.

Owelet connects to Gumroad and shows your real net income per sale -- after the platform fee, the processing charge, and the Discover premium you didn't know you were paying.

Connect your Gumroad account -- free See how it works

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The real numbers

Gumroad advertises a 10% fee. That is the direct sale rate -- the one that applies when a customer comes through your own link, your email list, or your social media post. When someone finds you through Gumroad Discover, Gumroad's built-in marketplace and recommendation engine, the fee jumps to 30%. Same product. Same customer price. Three times the cut. Gumroad positions Discover as free marketing exposure for your products. What they do not make obvious is the cost of that exposure. And Gumroad's dashboard shows one combined gross revenue number without telling you which sales came from which channel.

When we built Owelet's Gumroad integration, we discovered that the Discover vs direct split is completely invisible in Gumroad's own UI. There is no report, no filter, no column that tells you what percentage of your sales came through Discover versus through your own marketing. Sellers have no way to know their real effective rate without pulling raw transaction data through the API and tagging each sale by source. The difference between a 10% effective rate and a blended 18% rate is the difference between a sustainable business and one that looks profitable until you check your bank balance.

Owelet pulls every Gumroad transaction and surfaces your actual blended rate across both channels. If 30% of your sales come through Discover, your effective platform fee is not 10%. It is 16%. On $5,000 in monthly revenue, that is the difference between $500 in platform fees and $800. The extra $300 per month does not appear anywhere in Gumroad's analytics. Owelet shows it because we pull the source data that Gumroad does not display.

Then there is the $0.50 flat fee per transaction. On a $50 product, half a dollar barely registers. On a $5 digital template or a $3 preset pack, it compounds fast. A $5 direct sale: $0.50 platform fee (10%) plus the $0.50 flat fee plus $0.15 processing (2.9% of $5) plus $0.30 processing flat. Total fees: $1.45. You keep $3.55. The effective rate on a $5 product is 29%. The $0.50 flat fee alone represents 10% of the entire purchase price. If you sell a high volume of low-priced digital products, the flat fee is your biggest cost -- not the percentage.

Gumroad also keeps its platform fee on refunds. If a customer buys your $50 product and then requests a refund, Gumroad returns the customer's money but retains the $5.00 platform fee and the $0.50 flat fee. You lose the sale and $5.50 of your own money. Teachable, by comparison, refunds their platform fee when customers get refunds. This is how Gumroad's refund system works, and it compounds if your product category has a refund rate above 2-3%.

The full fee stack on every Gumroad direct sale is four separate charges. The 10% platform fee. A $0.50 flat fee per transaction. Payment processing (Stripe runs underneath). And a $0.30 flat processing fee. On a $50 product, the platform takes $5.00 plus $0.50, processing takes $1.45 (2.9% of $50) plus $0.30, and you keep $42.75. But that only applies to direct sales. Mix in Discover traffic at the 30% rate and your real number is lower. Gumroad does not show you how much lower.

If your customers are international, there is another layer. The 2.9% Stripe processing fee is the domestic rate. International cards carry an additional 1% cross-border fee per transaction. For sellers with a global audience -- and most digital product sellers have 30-40% or more international buyers -- this adds cost that never appears as a line item in Gumroad's dashboard. It shows up only as a slightly smaller payout than you expected, with no explanation. Over a year of international sales, the cumulative gap between expected revenue and actual payouts can be significant.

Selling on Gumroad alongside other platforms makes the visibility gap worse. Each platform reports revenue differently, uses different fee structures, and surfaces a different version of your finances. Gumroad shows gross in one format. Stripe shows net in another. Lemon Squeezy bundles tax handling into its number. Without a normalized view that standardizes all of it, you are managing your business from three dashboards with three definitions of what you earned. One accurate combined number would change how you make every pricing and platform decision.

Owelet pulls your Gumroad data through the API, tags each transaction by channel, calculates the actual fee breakdown, and shows your true net per sale. You see your direct rate versus your Discover rate, your blended effective rate across all sales, and how your fee exposure shifts month over month as your traffic mix changes. The goal is not to replace Gumroad's dashboard. It is to show you the number Gumroad's dashboard does not.

Worked example

A $50 direct sale: $5.00 platform fee + $0.50 flat + $1.45 processing (2.9%) + $0.30 flat = $7.25 in fees. You keep $42.75. The same $50 sale through Discover: $15.00 flat. You keep $35.00. Owelet shows you both figures and your Discover mix rate.

How it works

How Owelet works for Gumroad Sellers

Connect via read-only OAuth

Authorize Owelet in 60 seconds. We request minimal permissions -- we can see your transactions but cannot modify products, issue refunds, or access payment methods.

Owelet pulls your transaction data

Every sale, refund, and fee from Gumroad's API with exact amounts: gross_amount, fee_amount, net_amount per transaction. Each sale tagged by source channel so you see your Discover vs direct split.

See your real net income

Your dashboard shows true net per sale, updated automatically. Track your blended effective rate, compare direct vs Discover economics, and see your take-home across all platforms in one place.

Fee breakdown

What Gumroad actually costs at every level

Monthly Revenue	Total Fees	You Keep	Effective Rate
$500	-$80.50	$419.50	16.1%
$1,000	-$161	$839	16.1%
$2,500	-$402.50	$2,097.50	16.1%
$5,000	-$805	$4,195	16.1%
$10,000	-$1,610	$8,390	16.1%

Assumes an average transaction of $25 and all direct sales (10% platform rate). Gumroad Discover sales carry a 30% platform fee. Your real effective rate depends on your product prices, Discover mix, and international customer share.

FAQ

Common questions from Gumroad sellers

On direct sales, Gumroad takes 10% plus a $0.50 flat fee per transaction, plus payment processing (approximately 2.9% plus $0.30). On sales through Gumroad Discover, the platform fee is 30% instead of 10%. Your effective rate depends on your direct vs Discover sales mix.

Gumroad Discover charges 30% of the gross sale price when a customer finds your product through Gumroad's marketplace rather than your direct link. This replaces the standard 10% platform fee. Payment processing still applies on top.

No. Gumroad retains its 10% platform fee and the $0.50 flat fee when a customer receives a refund. You lose both the sale revenue and the platform fees. Teachable, by comparison, refunds their transaction fee on refunds.

Gumroad's dashboard does not show your Discover vs direct sales split. Owelet pulls raw transaction data through Gumroad's API, tags each sale by source, and calculates your actual Discover mix rate and blended effective fee rate automatically.

Your effective rate depends on your Discover mix, average sale price, and customer geography. A seller with all direct sales at a $50 average pays roughly 15.1%. Add 30% Discover sales and the blended rate climbs to roughly 19%. Owelet calculates your actual rate.

Yes. Owelet connects to Gumroad via read-only OAuth in about 60 seconds. Once connected, your transaction data syncs automatically. No CSV export, manual entry, or spreadsheet maintenance required.

Owelet uses read-only OAuth access, so we can view your transactions but cannot modify products, issue refunds, or move money. OAuth tokens are encrypted with AES-256. You can revoke access from Owelet or Gumroad at any time.

Lemon Squeezy charges 5% plus $0.50 per transaction all-in, with no separate processing fee. On a $50 product, Lemon Squeezy takes $3.00 versus Gumroad's $7.25 on a direct sale. Lemon Squeezy also handles VAT/GST as merchant of record.

Pricing