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E-Commerce · head to head

Gumroad vs Mollie

Gumroad logo

Gumroad

E-Commerce

Hosted storefront for selling digital products, memberships and courses on a per sale fee

From
On request
Rated
-
Full reviewWebsite
Mollie logo

Mollie

E-Commerce

European payment service provider with published per-transaction rates and no monthly fee on the online plan

From
£0.3/transaction
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Gumroad the fee is a flat percentage of every sale with no monthly plan to cap it, so a product that succeeds pays proportionally more forever, and past a certain monthly revenue a self-hosted cart plus a payment processor costs a fraction of it.; Mollie non-European cards cost 3.25% plus 20p against 1.20% plus 20p for UK domestic consumer cards, so a merchant with significant traffic from the US or Asia pays close to triple the domestic rate on that revenue.
  • They diverge on capability: Gumroad covers Digital product delivery, Mollie covers Local payment methods.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Gumroad and Mollie actually diverge.

Attributes where Gumroad and Mollie differ
AttributeGumroadMollie
Starting priceOn request£0.3/transaction
Pricing modeltransactionPer transaction by payment method
PlatformsWebWeb, iOS, Android, API

Identical on both: free tier (No), user rating (Not yet rated), category (E-Commerce).

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 Gumroad

  • Digital product delivery
  • Memberships and subscriptions
  • Merchant of record
  • No monthly subscription
  • Discover marketplace
  • Hosted checkout
  • Licence keys
  • Email to customers

Only in Mollie

  • Local payment methods
  • Published rate card
  • Hosted checkout and payment links
  • Subscriptions API
  • Point of sale terminals
  • Plugin ecosystem
  • Multicurrency settlement

What people use each for

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

Gumroad

  • An individual creator selling ebooks, templates or presets without wanting to run any infrastructurenot Mollie
  • A developer selling a small software product that needs licence key issuance and deliverynot Mollie
  • A writer or educator running a paid membership or course for an existing audiencenot Mollie
  • Anyone selling digital goods internationally who does not want to register for VAT across jurisdictionsnot Mollie

Mollie

  • A Dutch or Belgian shop where most customers pay by iDEAL or Bancontact and the flat 30p beats a percentage rate on high-value basketsnot Gumroad
  • A small merchant that wants published pricing rather than a sales call before it can model card costsnot Gumroad
  • A subscription business in the EEA collecting by SEPA Direct Debit mandate instead of cardnot Gumroad
  • A marketplace or platform that needs one integration covering the main European local methodsnot Gumroad

Where each one falls short

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

Gumroad

  • The fee is a flat percentage of every sale with no monthly plan to cap it, so a product that succeeds pays proportionally more forever, and past a certain monthly revenue a self-hosted cart plus a payment processor costs a fraction of it.
  • Sales that come through the Discover marketplace carry a substantially higher cut, so marketplace-sourced revenue is materially less profitable than direct revenue and the two need tracking separately to know what the channel is really worth.
  • The storefront is a Gumroad-hosted page with limited layout and branding control, so the customer experience is recognisably Gumroad's rather than yours, and there is no template language to extend it.
  • Stored payment methods cannot be transferred to another platform, so migrating an active membership requires every subscriber to re-enter their card, and the churn that causes is the real exit cost rather than any contract term.
  • Acting as merchant of record means Gumroad, not you, is the party in the customer's bank statement and in the tax records, which simplifies compliance but weakens the direct customer relationship and limits what you can do with the transaction data.

Mollie

  • Non-European cards cost 3.25% plus 20p against 1.20% plus 20p for UK domestic consumer cards, so a merchant with significant traffic from the US or Asia pays close to triple the domestic rate on that revenue.
  • Coverage is built around European methods, so if you expand into Latin America or Southeast Asia you will need a second processor and a second reconciliation process rather than extending Mollie.
  • The in-person Pro plan requires a one-year contract and charges 20 pounds a month per additional terminal, so a shop with four tills pays 80 pounds a month in terminal fees before any transaction cost.
  • Mollie offers no interchange-plus option publicly, so large merchants cannot see or benefit from falling interchange the way they could on a cost-plus contract with an acquirer.
  • The developer tooling and reporting are lighter than the largest processors, so finance teams that want detailed fee breakdowns or granular reconciliation exports often end up building that layer themselves.

Pricing, plan by plan

Gumroad

On request
  • Direct Sales$undefined/mo
  • Marketplace Discovery$undefined/mo

Mollie

£0.3/transaction
  • Online paymentsFree
    • No monthly fee
    • UK domestic consumer cards 1.20% + 20p
    • European and commercial cards 2.90% + 20p
  • In person, pay as you goFree
    • No monthly commitment
    • Per-transaction terminal rates
    • One terminal
  • In person, Pro$20/month
    • Lower per-transaction terminal rates
    • One-year contract required
    • Each additional terminal 20 pounds per month

Which should you pick?

Choose Gumroad if

  • You need digital product delivery.
  • You also want memberships and subscriptions.
Gumroad review

Choose Mollie if

  • You need local payment methods.
  • You work on Web, iOS, Android, API.
  • You also want published rate card.
Mollie review

Questions people ask

Is Gumroad or Mollie better?
Neither clearly leads. Gumroad starts at On request and Mollie at £0.3/transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Gumroad or Mollie?
Gumroad starts at On request and Mollie at £0.3/transaction.
Does Gumroad or Mollie run on more platforms?
Gumroad runs on Web. Mollie runs on Web, iOS, Android, API.
What is Gumroad best used for?
Gumroad is most often used for an individual creator selling ebooks, templates or presets without wanting to run any infrastructure, a developer selling a small software product that needs licence key issuance and delivery, a writer or educator running a paid membership or course for an existing audience, anyone selling digital goods internationally who does not want to register for vat across jurisdictions. Of those, an individual creator selling ebooks, templates or presets without wanting to run any infrastructure and a developer selling a small software product that needs licence key issuance and delivery are not what Mollie is typically brought in for.
What can Gumroad do that Mollie cannot?
Gumroad covers Digital product delivery, Memberships and subscriptions, Merchant of record, No monthly subscription. Mollie covers Local payment methods, Published rate card, Hosted checkout and payment links, Subscriptions API.

Answered from the vendors’ own pages

Gumroad: How does Gumroad charge?

A flat percentage of each sale rather than a monthly subscription, with a higher rate on sales it sources through Discover. Check the current pricing page for whether payment processing is included in or added to that percentage.

Mollie: Does Mollie charge a monthly fee?

Not on the online payments plan. You pay only per successful transaction. In-person Pro is 20 pounds a month.

Gumroad: When does it stop making financial sense?

When your monthly revenue times the percentage exceeds what a hosted cart subscription plus standard processing would cost. That crossover arrives earlier than most sellers expect.

Mollie: Is iDEAL really a flat fee?

Yes, 30p per transaction regardless of the amount, which is why it is cheaper than cards on high-value baskets.

Gumroad: Does it handle VAT on digital goods?

Yes. It acts as merchant of record and takes on calculating and remitting VAT and sales tax on digital sales, which is the main reason solo creators selling internationally choose it.

Mollie: Can I use Mollie outside Europe?

You can accept non-European cards but at 3.25% plus 20p, and merchant accounts are aimed at European businesses. It is not a global processor.

Gumroad: Can I move my subscribers elsewhere later?

You can export customer records, but not stored payment methods. Every active subscriber has to re-enter a card on the new platform, and some will not.

Mollie: Does Mollie do interchange plus?

Not publicly. The published rates are blended, so falling interchange does not flow through to you automatically.

Gumroad: Can I sell physical products?

It is built for digital goods. Inventory, shipping and fulfilment are not what it is designed around, so a physical catalogue belongs on a store platform.

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