Every digital product seller has done some version of this calculation: "10% fee isn't bad. That's just the cost of doing business." Then you actually do the math for a year. And you realize 10% of $20,000 is $2,000 — and you could have kept most of that. Here's the breakdown nobody on Gumroad's marketing page wants to show you. The actual cut Gumroad advertises 10%. But you also pay: Stripe fees (~2.9% + $0.30) Paypal fees on PayPal sales VAT handling fees (in some regions) Effective cut on a $20 product: ~12.5%. Peddlum charges 10% flat, and absorbs payment processing into that. Effective cut: 10%. That 2.5% difference sounds tiny. Let me show you what it actually is. A year of sales My 2024 numbers, month by month: January — Revenue: $1,200. Gumroad would take $150 (12.5%). Peddlum takes $120 (10%). Difference: $30. February — Revenue: $980. Gumroad cut: $123. Peddlum cut: $98. Difference: $25. March — Revenue: $1,450. Gumroad cut: $181. Peddlum cut: $145. Difference: $36. April — Revenue: $2,100.…