Short answer: This calculator estimates platform fees only—not PayPal/Stripe processing—for digital download sellers comparing Payloadz Premium ($49/mo, 0% Payloadz cut) against Gumroad, Payhip, Lemon Squeezy, SendOwl, and Sellfy using fees verified 2026-08-02. PayPal processing fees always apply on Payloadz and most competitors. Results are illustrative; re-check official pricing before contracts.

Who this tool is for (and who should look elsewhere)

For: Sellers with monthly sales volume and average price who want apples-to-apples platform-cut math.

Not for: MoR tax liability valuation—percentage MoR fees bundle tax ops; this tool does not price tax compliance. For fit assessment see Payloadz software review.

Editorial disclosure

Payloadz publishes talk.payloadz.com. The calculator uses Payloadz-verified competitor fees; Payloadz is one line in the comparison.

Methodology

Platform fees sourced from official pricing pages on 2026-08-02:

  • Payloadz Premium: $49/mo + 0% Payloadz transaction fees (payloadz.com/#pricing)
  • Gumroad direct: 10% + $0.50 per sale; Discover 30% (not default in calculator—use direct unless you tag Discover traffic)
  • Payhip Free: 5%; Payhip Pro: $99/mo + 0%
  • Lemon Squeezy: 5% + $0.50 (MoR ecommerce)
  • SendOwl Launch: from $39/mo + 0% SendOwl cut (volume caps on lower tiers)
  • Sellfy: from $29/mo + 0% Sellfy transaction fee

Last editorial review August 2026. Payment-processor fees (PayPal, Stripe) are excluded so platform cuts compare fairly—add processor costs separately.

Disclaimer

Not financial or tax advice. Vendors change plans without notice. Discover sales, refunds, chargebacks, currency conversion, and edge-case Lemon Squeezy fees may alter real costs. MoR platforms include tax handling in their fee model—this calculator does not value that service. Confirm all figures on linked official pages before ads, contracts, or migration decisions.

Fee calculator

Interactive calculator loads when the Payloadz fee calculator script is enabled on this page.

Migration checklist: Gumroad, Payhip, or E-junkie → Payloadz

Use this checklist when moving delivery to Payloadz. Payloadz is seller of record—rebuild tax workflows if you relied on Gumroad MoR or Payhip VAT tools.

Before you migrate

  • Export product list, files, and customer emails from your current platform (per their current export tools).
  • Document current fee economics with this calculator or the Payloadz vs. Gumroad comparison.
  • Confirm PayPal account is ready for live sales and refund policy is written.
  • Read Payloadz software review for fit and limitations.

Setup on Payloadz

  • Create a Payloadz seller account.
  • Choose Premium ($49/mo, 0% Payloadz cut) or test on Basic (free, $50/mo transaction limit).
  • Recreate each SKU: title, price, description, deliverable file(s).
  • Generate buy links or buttons for your site, email, or link-in-bio.

Test purchase (required)

  • Run a live or sandbox PayPal transaction for each product type (ZIP, PDF, audio).
  • Verify download on desktop and mobile; confirm file opens correctly.
  • Test refund in PayPal and confirm delivery access matches your policy.

Cutover

  • Update links in email sequences, course platforms, social bios, and SEO pages.
  • Keep old platform pages live with redirects or sunset notices until analytics show traffic moved.
  • Notify existing customers only if policy requires—new sales use Payloadz links.

After migration

  • Monitor first 30 days: failed downloads, support tickets, fee actuals vs. estimates.
  • File sales tax / VAT as seller of record (or via your tax software)—Payloadz does not remit tax.
  • Re-run fee math quarterly; vendor pricing changes without notice.

Run the numbers, then test: Create a Payloadz seller account after calculator results justify a trial migration.