Creem vs Gumroad
Creem or Gumroad for your paid community?
Both work with Ubunya: members who pay are let in automatically, and lose access when their membership ends. Here's how they differ on fees, payment methods, tax and payouts.
The short answer
Choose Creem if
- Small sellers in Kenya or Nigeria who want tax handled and a low flat fee.
Choose Gumroad if
- Individual creators who want the simplest setup and accept a high fee.
Side by side
| Creem | Gumroad | |
|---|---|---|
| Handles sales tax and VAT (merchant of record) | Yes | Yes |
| Card fee | 3.9% + 40¢. No extra fee for international cards. Payout fee is 7 USD/EUR or 1%, whichever is higher. | 10% + 50¢ (direct sales). 30% for sales through Gumroad Discover. PayPal payouts cost 2%. Whether card processing is extra wasn't confirmed. |
| Members can pay with | cards, Apple Pay, Google Pay | cards, Apple Pay, Google Pay, PayPal |
| Recurring billing | Subscriptions by card or wallet. | Memberships renew automatically by card or PayPal. |
| Who can sign up as a seller | 87 countries, including Kenya, Nigeria and South Africa | Most countries; bank payouts in 100+ (including Kenya), PayPal elsewhere |
| Payouts | Local bank transfer or USDC wallet, on the 1st and 15th | Local bank account or PayPal |
| Free test mode | Yes | Not stated |
| Connecting it to Ubunya | Paste an API key. We add the webhook for you. | Paste an access token. We subscribe to Gumroad's pings for you. |
| Prices on your community | Your Creem products, subscription or one-time. | Your Gumroad products and memberships. |
| Renewals in Ubunya | Renews automatically. | Memberships renew automatically. |
| Members' billing page | Creem's customer portal. | Gumroad's library and subscription page. |
From Creem's and Gumroad's own websites, checked November 2026. Prices change; check theirs before you sign up. Compare all 11 providers.
Questions
Which handles tax, Creem or Gumroad?+
Both are merchants of record: they sell to your members and handle VAT and sales tax for you.
Can members pay with M-Pesa on Creem or Gumroad?+
Creem: not that we could find on its website. Gumroad: not that we could find on its website.
Can I use Creem or Gumroad with Ubunya?+
Yes, both. Connect your own account under Manage → Payments. Creem: Paste an API key. We add the webhook for you. Gumroad: Paste an access token. We subscribe to Gumroad's pings for you.
What happens when a member stops paying?+
Their access stays until the end of what they paid for, plus the grace days you set (three by default). Then the community closes to them. Staff never lose access.
More comparisons
Charge for your community with the account you already have
Connect it under Manage → Payments. Paying members are let in automatically.