Here's a break down of all Gumroad's fees.
The fees you pay will be determined by your lifetime earnings, starting with 9%, which lasts until you make your thousandth $1. Then, it drops to 7%, then 5%....all the way down to 2.9% + 30¢, the same as you'd pay Stripe if you used them directly.
The fee structure described above applies to sales that go through a credit/debit card or Apple/Google Pay. For sales using Paypal, the fee structure is slightly different.
The fees starts at 7% + PayPal's fee (which varies for every country), then drops to 5% + PayPal's fee after you earn $1,000, 3% after $10,000, 1% after $100,000 and goes to 0.9% + PayPal's fee after $1,000,000.
Products purchased via Gumroad Discover will be subject to an additional 10% fee over our usual fee. This applies even if the customer has purchased from you before. If they buy a product from you through the Gumroad Discover search, or through a receipt link, or via the Gumroad Library, or through any kind of referral aspect of the Discover feature, their purchase will use the Discover fees.
There are no additional fees for affiliates. The only fee taken out of your sale is the commission you designate for your affiliate.