Lootly vs Gumroad: an honest comparison

• Indie makers, writers and designers who want to sell files with minimal setup and no monthly bill.
• Sellers who want the platform to handle sales tax for them as merchant of record.

• Creators who want a storefront page with products, courses, 1:1 bookings and links in one place.
• Creators who sell enough that a flat monthly plan with 0% platform fees costs less than a percentage per sale.

Only facts we could check on each company's pricing page on November 3, 2026. “Not listed in our sources” means we could not confirm it either way.

• Gumroad is merchant of record and handles sales tax worldwide (since January 1, 2025). On Lootly you sell through your own Stripe account, so tax is your responsibility by default.
• Discover, Gumroad’s marketplace, can bring buyers to you (Gumroad takes 30% on those sales).
• No monthly fee and nothing to set up beyond your products.

• Lower fee per sale on the free plan: 7% on Lootly Seed against 10% + $0.50 on a Gumroad direct sale. On a $29 product that is $2.03 against $3.40.
• Once you sell enough, 0% platform fees: Lootly Growth is $19.99/month with no fee per sale.
• You want a storefront with courses, 1:1 coaching bookings with Google Calendar, webinars and links, not only file checkout.

• Lootly Seed costs less than Gumroad (direct sales) at every sales level.
• Lootly Growth becomes cheaper than Gumroad (direct sales) above ~$171/month in sales.

Monthly prices; card processing is the same on both sides, so it cancels out. Where a plan has a fixed fee per sale, the example assumes a $29 product. Try your own numbers in the calculator.