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Software · head to head

Gumroad vs Payoneer

G

Gumroad

Software

Sell your stuff, see what sticks

From
On request
Rated
-
Full reviewWebsite
Payoneer logo

Payoneer

Software

One account. Infinite opportunities.

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Gumroad charges a 10 percent plus $0.50 transaction fee on direct sales, rising to 30 percent on sales made through its Discover marketplace; Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months

Where they differ

Only the attributes on which Gumroad and Payoneer actually diverge.

Attributes where Gumroad and Payoneer differ
AttributeGumroadPayoneer
Starting priceOn request$29/month
Pricing modelsubscriptionusage-based
PlatformsWebWeb, Ios, Android
FoundedUnknown2005

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

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

Nothing recorded that Payoneer does not also cover.

Only in Payoneer

  • Receive payments
  • Multi-currency accounts
  • Working capital
  • Mass payouts
  • Marketplace integrations
  • Amazon
  • Fiverr
  • Upwork

What people use each for

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

Gumroad

No use cases recorded yet. See the Gumroad review.

Payoneer

  • Receiving marketplace and platform payouts as a freelancer or sellernot Gumroad
  • Holding receiving accounts in several currenciesnot Gumroad
  • Paying suppliers and withdrawing to a local bank accountnot Gumroad

Where each one falls short

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

Gumroad

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

Payoneer

  • An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
  • Converting between Payoneer balances in different currencies costs 0.50%
  • Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
  • Receiving by credit card costs up to 3.99% plus $0.49 USD
  • Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
  • ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
  • Card purchases requiring conversion cost up to 3.5%

Pricing, plan by plan

Gumroad

On request

No published plan breakdown. See the Gumroad review.

Payoneer

$29/month
  • StandardFree
    • Receive payments
    • Multi-currency
    • Marketplace connections

Which should you pick?

Choose Gumroad if

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

Gumroad review

Choose Payoneer if

  • You need receive payments.
  • You work on Web, Ios, Android.
  • You also want multi-currency accounts.
Payoneer review

Questions people ask

Is Gumroad or Payoneer better?
Neither clearly leads. Gumroad starts at On request and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Gumroad or Payoneer?
Gumroad starts at On request and Payoneer at $29/month.
Does Gumroad or Payoneer run on more platforms?
Gumroad runs on Web. Payoneer runs on Web, Ios, Android.
What can Gumroad do that Payoneer cannot?
Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts.
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