SaySo vs Gumroad: fees, payouts and who each one suits (2026)

I built SaySo because I got tired of paying more and getting less, and a percentage of every sale is exactly that kind of math. It feels like nothing when you're making ten sales a month. And then one month it's a car payment. So let's put real numbers side by side and you can decide for yourself.

SaySo vs Gumroad at a glance

What a $2,000 month costs on each

Say you sell a $50 product 40 times in a month, all to buyers on US cards. That's $2,000 in sales.

That's a $201 difference in one month, and $2,412 over a year, on the same 40 sales. (Gumroad's 10% works out to $200, plus 50¢ on each of the 40 sales.)

Two things keep this fair. Gumroad's fee drops to 5% + 50¢ on direct sales once you pass $20,000 in a calendar month, so the gap narrows a lot at that size. And Gumroad's number includes handling your sales tax, which SaySo's doesn't. SaySo doesn't calculate or add tax at checkout, so if you need tax collected, that's work you'd be taking on.

Below about $175 a month, a percentage is honestly cheaper and $19 is the worse deal (at the $29 price, the line moves to about $265). That's on SaySo's own home page, and I meant it.

Where Gumroad is the better pick

Gumroad has real strengths, and I'd rather you pick the right tool than the one I built.

• You don't want to think about sales tax or VAT at all. Gumroad is the merchant of record, which means it collects and sends the tax for you. For someone selling to buyers in a dozen countries, that's worth paying for.
• You're selling under about $175 a month. At that size, 10% of your sales is less than a flat monthly bill. Test the idea on Gumroad, and come back when the math flips.
• You want buyers who find you. Discover is a marketplace with its own traffic. It costs 30% a sale, but those are buyers you didn't have to bring.
• You want no monthly bill while you're testing. Gumroad charges nothing until something sells.

Where SaySo fits better

• You're past the $200 mark and the percentage stings. The bill stays $19 a month whether you sell 10 copies or 1,000.
• You want the money in your own account. Buyers pay straight into your Stripe account, so there's no balance sitting on someone else's platform and no payout minimum from SaySo. Stripe pays you out on your own Stripe schedule.
• You want every feature without an upgrade. One plan covers one-time products, payment plans, monthly and yearly pricing, free lead magnets, services with a booking link, an order bump, an upsell and a downsell, discount codes, your own domain, Meta Pixel and Google Analytics, and up to three stores.
• You'd rather run your store from a conversation. Connect SaySo to Claude and you can ask it to add a product, edit a draft, check sales or change your store design. New discount codes and price changes wait for your approval, and Settings › Activity shows every change marked You, Your Claude or SaySo.
• You already have an email service you like. SaySo connects to Bento, Kit, beehiiv, MailerLite, ActiveCampaign and Flodesk, or anything else through a webhook.

What SaySo doesn't do yet

I'd rather you know now than find out in month three.

• SaySo isn't the merchant of record and doesn't calculate or add sales tax or VAT at checkout. You're the seller, so working out and paying what you owe is yours to manage.
• It works with Stripe only for now. No PayPal.
• There's no marketplace and no affiliate program yet. Both are on the way, not here yet.
• Your Claude can't upload product files or issue refunds. You do those in SaySo, and refunds go through your own Stripe account.
• Stripe can still restrict a Stripe account. Owning the account means it's your relationship with Stripe instead of somebody else's... it doesn't make the risk disappear.

FAQ

Is SaySo cheaper than Gumroad? Once you're selling more than about $175 a month at the $19 founding price, yes (about $265 at $29). On a $2,000 month of US card sales, SaySo comes to $89 with card fees and Gumroad comes to $290.

Does Gumroad's 10% include card processing? No. Gumroad's own fee page says the 10% + 50¢ doesn't include credit card processing (2.9% + 30¢) or PayPal fees. The 30% Discover fee is the one that includes processing.

Can I connect my own Stripe account to Gumroad? Not as a new seller. Gumroad's help center says it no longer supports new user-connected Stripe accounts, except in Brazil. Sellers who connected one earlier can keep it.

Who handles sales tax, Gumroad or SaySo? Gumroad does, as the merchant of record. With SaySo, you're the seller, so tax is yours to manage. SaySo doesn't calculate or add it at checkout.

Does SaySo take a cut of my sales? No. You pay SaySo a flat monthly price, and Stripe charges its normal card fee on each sale.

Can I use Claude with both? Yes. Gumroad has a Claude connector that can read sales and draft products, and SaySo has one that can create and edit products, publish them and change your store design.

Can I move my Gumroad products to SaySo? Yes, by rebuilding them. There's no automatic import, but Claude can draft them for you. How to switch from Gumroad to SaySo walks through it, including what moves and what doesn't.

Sources

All checked October 29, 2026.

• Gumroad pricing
• Gumroad's fees: 10% + 50¢, processing not included, 5% over $20,000 a month, 30% on Discover
• Getting paid by Gumroad: payout schedule and minimum
• Connect your Stripe account to Gumroad: no new connected Stripe accounts except Brazil
• Gumroad's Claude connector
• Stripe pricing: 2.9% + 30¢ on US cards
• SaySo's home page and help center for SaySo's price, features and what Claude can change