Wise vs Gumroad — which takes less?
| Wise | Gumroad | |
|---|---|---|
| Headline rate | From 0.33% + small fixed fee at the mid-market rate | 10% + $0.50 platform fee + 2.9% + $0.30 processing |
| $100 → fees | $0.93 | $13.70 |
| $100 → net | $99.07 | $86.30 |
Side-by-side quick reference
| Amount | Wise fees | Wise net | Gumroad fees | Gumroad net | Difference | Wise charge→net | Gumroad charge→net |
|---|---|---|---|---|---|---|---|
| $10.00 | $0.54 | $9.46 | $2.09 | $7.91 | wise +$1.55 | $10.55 | $12.40 |
| $25.00 | $0.61 | $24.39 | $4.03 | $20.97 | wise +$3.42 | $25.62 | $29.63 |
| $50.00 | $0.72 | $49.28 | $7.25 | $42.75 | wise +$6.53 | $50.72 | $58.33 |
| $100.00 | $0.93 | $99.07 | $13.70 | $86.30 | wise +$12.77 | $100.94 | $115.73 |
| $250.00 | $1.58 | $248.42 | $33.05 | $216.95 | wise +$31.47 | $251.59 | $287.95 |
| $500.00 | $2.65 | $497.35 | $65.30 | $434.70 | wise +$62.65 | $502.67 | $574.98 |
| $1,000.00 | $4.80 | $995.20 | $129.80 | $870.20 | wise +$125.00 | $1,004.83 | $1,149.03 |
Wise formula
payment processing 0.43% + $0.50
From 0.33% + small fixed fee at the mid-market rate — verified 2026-11-10
Gumroad formula
10% + $0.50 platform fee + 2.9% + $0.30 processing; payment processing 2.90% + $0.30
10% + $0.50 platform fee + 2.9% + $0.30 processing — verified 2026-11-10
Wise fee formula & hidden costs
payment processing 0.43% + $0.50
Worked example: $100.00 gross → $0.93 fees → $99.07 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $100.94.
Hidden fees to watch
- Receiving domestic USD wires costs a flat $4.14; ACH receipts are free.
- Fees are volume-tiered — very large monthly volumes unlock lower corridor rates.
- Card funding a transfer costs extra on top of the conversion fee.
- Some exotic corridors and weekend conversions carry small surcharges.
Gumroad fee formula & hidden costs
10% + $0.50 platform fee + 2.9% + $0.30 processing; payment processing 2.90% + $0.30
Worked example: $100.00 gross → $13.70 fees → $86.30 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $115.73.
Hidden fees to watch
- The 10% + $0.50 platform fee sits ON TOP of 2.9% + $0.30 card processing — 12.9% + $0.80 all-in.
- Discover marketplace sales cost a flat 30% total.
- On small products the $0.80 fixed stack hurts: a $5 download loses $1.45 (29%).
- Gumroad keeps processing fees on refunds.
Frequently asked questions
Which takes less on a $100 sale: Wise or Gumroad?
Wise takes $0.93 (net $99.07); Gumroad takes $13.70 (net $86.30). Wise wins by $12.77 at $100.
Which is better for international sellers, Wise or Gumroad?
Wise: From 0.33% + small fixed fee at the mid-market rate. Gumroad: 10% + $0.50 platform fee + 2.9% + $0.30 processing. Check the regional variants above — rates change materially by country.
What is the effective take rate difference between Wise and Gumroad?
At $100, Wise takes 0.9% vs Gumroad at 13.7% — a 12.8 point gap before modifiers.