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Personal Finance · head to head

Apple Pay vs Gumroad

Apple Pay logo

Apple Pay

Personal Finance

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite
G

Gumroad

E-commerce

Sell your stuff, see what sticks

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Apple Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets; Gumroad charges a 10 percent plus $0.50 transaction fee on direct sales, rising to 30 percent on sales made through its Discover marketplace

Where they differ

Only the attributes on which Apple Pay and Gumroad actually diverge.

Attributes where Apple Pay and Gumroad differ
AttributeApple PayGumroad
Starting priceFreeOn request
Pricing modelfreesubscription
Free tierYesNo
PlatformsIOS, WatchOS, MacOSWeb
CategoryPersonal FinanceE-commerce
Founded2014Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Apple Pay

  • Digital wallet
  • Secure payments
  • Contactless transactions
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • IOS support

Only in Gumroad

Nothing recorded that Apple Pay does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Apple Pay

  • Contactless in store payment from iPhone and Apple Watchnot Gumroad
  • Paying in apps and on the web without entering card detailsnot Gumroad
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Gumroad

Gumroad

No use cases recorded yet. See the Gumroad review.

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Apple Pay

  • Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
  • Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
  • Mac support requires a Touch ID equipped model
  • A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees

Gumroad

  • Charges a 10 percent plus $0.50 transaction fee on direct sales, rising to 30 percent on sales made through its Discover marketplace

Pricing, plan by plan

Apple Pay

Free
  • FreeFree
    • Secure payments
    • P2P transfers
    • Transit passes

Gumroad

On request

No published plan breakdown. See the Gumroad review.

Which should you pick?

Choose Apple Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on IOS, WatchOS, MacOS.
  • You also want secure payments.
Apple Pay review

Choose Gumroad if

Nothing in the data separates Gumroad from Apple Pay on the points above - pick on price and on how each one feels to use.

Gumroad review

Questions people ask

Is Apple Pay or Gumroad better?
Neither clearly leads. Apple Pay starts at Free and Gumroad at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apple Pay or Gumroad?
Apple Pay has a free tier; the other does not. Paid plans start at Free for Apple Pay and On request for Gumroad.
Does Apple Pay or Gumroad run on more platforms?
Apple Pay runs on IOS, WatchOS, MacOS. Gumroad runs on Web.
Can I use Apple Pay for free?
Yes. Apple Pay has a free tier, so you can try it without paying. Gumroad starts at On request.
What is Apple Pay best used for?
Apple Pay is most often used for contactless in store payment from iphone and apple watch, paying in apps and on the web without entering card details, sending money between apple users with apple cash and tap to cash. Of those, contactless in store payment from iphone and apple watch and paying in apps and on the web without entering card details are not what Gumroad is typically brought in for.
What can Apple Pay do that Gumroad cannot?
Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers.
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