{"id":36755,"date":"2026-11-07T22:49:07","date_gmt":"2026-11-08T03:49:07","guid":{"rendered":"https:\/\/promotelabs.com\/blog\/best-payment-gateway-digital-products\/"},"modified":"2026-11-07T22:49:07","modified_gmt":"2026-11-08T03:49:07","slug":"best-payment-gateway-digital-products","status":"publish","type":"post","link":"https:\/\/promotelabs.com\/blog\/best-payment-gateway-digital-products\/","title":{"rendered":"The Best Payment Gateways for Digital Products in 2027"},"content":{"rendered":"<div class=\"plb\">\n<style>.plb{font-size:18px;line-height:1.75;color:#1f2937}.plb h2{font-size:30px;line-height:1.25;margin:44px 0 14px;color:#0b1726;font-weight:800}.plb h3{font-size:22px;line-height:1.3;margin:28px 0 10px;color:#0b1726;font-weight:800}.plb p{margin:0 0 18px}.plb ul,.plb ol{margin:0 0 20px 22px}.plb li{margin:0 0 10px}.plb a{color:#1a8f3c;text-decoration:underline;text-underline-offset:3px}.plb .qa{background:#f1fbf4;border:1px solid #bfe8cc;border-left:5px solid #2ca749;border-radius:12px;padding:18px 22px;margin:4px 0 30px}.plb .qa b.l{display:block;color:#1a8f3c;font-size:13px;letter-spacing:.14em;margin-bottom:6px}.plb .qa p{margin:0}.plb table{width:100%;border-collapse:collapse;margin:8px 0 26px;font-size:16px}.plb th{background:#0b1726;color:#fff;text-align:left;padding:12px 14px}.plb td{border-bottom:1px solid #e5e7eb;padding:12px 14px;vertical-align:top}.plb tr:nth-child(even) td{background:#f8fafc}.plb .gift{display:flex;gap:20px;align-items:center;background:radial-gradient(600px 220px at 85% -40px,rgba(57,212,102,.35),rgba(11,23,38,0) 70%),#0b1726;border-radius:16px;padding:22px 24px;margin:30px 0;color:#e8eef6}.plb .gift img{width:120px;height:auto;border-radius:10px;flex:0 0 120px}.plb .gift b.t{display:block;color:#fff;font-size:21px;line-height:1.3;margin-bottom:6px}.plb .gift span.s{display:block;color:#c9d4e2;font-size:16px;line-height:1.55;margin-bottom:12px}.plb .gift a.g{display:inline-block;background:#2ca749 linear-gradient(180deg,#45d96d,#25a748);color:#fff!important;font-weight:800;font-size:16px;padding:11px 20px;border-radius:999px;text-decoration:none!important}.plb .note{color:#6b7280;font-size:15px;margin:0 0 22px}.plb .faq h3{font-size:20px;margin:22px 0 6px}@media(max-width:640px){.plb{font-size:17px}.plb h2{font-size:25px}.plb .gift{flex-direction:column;align-items:flex-start}.plb .gift img{width:100%;max-width:280px}}<\/style>\n<p class=\"note\">Published for 2027 by the PromoteLabs team. Disclosure: some links are affiliate links, and we may earn a commission. Fees are US rates as of late 2026.<\/p>\n<div class=\"qa\"><b class=\"l\">QUICK ANSWER<\/b><\/p>\n<p>The best way to take payments for digital products depends on how much tax and admin you want to handle. Stripe has the lowest fees (2.9% + 30\u00a2) but you handle sales tax yourself. Merchant-of-record platforms such as Lemon Squeezy (5% + 50\u00a2) and Gumroad (10% + 50\u00a2) cost more but handle global tax for you. All-in-one stores like SendOwl and Sellfy charge a monthly fee with 0% transaction fees, and ClickBank adds a ready-made affiliate network.<\/p>\n<\/div>\n<h2>Payment options for digital products compared<\/h2>\n<table>\n<thead>\n<tr>\n<th>Option<\/th>\n<th>Cost<\/th>\n<th>Handles sales tax\/VAT?<\/th>\n<th>Best for<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Stripe<\/td>\n<td>2.9% + 30\u00a2 per US card sale<\/td>\n<td>No (Stripe Tax is an add-on)<\/td>\n<td>Lowest fees, using your own cart or funnel<\/td>\n<\/tr>\n<tr>\n<td>PayPal<\/td>\n<td>2.99% + 49\u00a2 cards; 3.49% + 49\u00a2 PayPal checkout<\/td>\n<td>No<\/td>\n<td>A trusted second payment option<\/td>\n<\/tr>\n<tr>\n<td>Lemon Squeezy (owned by Stripe)<\/td>\n<td>5% + 50\u00a2 per sale<\/td>\n<td>Yes, merchant of record<\/td>\n<td>Software and digital sellers with global buyers<\/td>\n<\/tr>\n<tr>\n<td>Gumroad<\/td>\n<td>10% + 50\u00a2 per direct sale<\/td>\n<td>Yes, merchant of record since 2025<\/td>\n<td>Fastest start with no setup<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/promotelabs.link\/sendowl\" target=\"_blank\" rel=\"noopener sponsored\">SendOwl<\/a><\/td>\n<td>From about $39\/month, 0% SendOwl fee<\/td>\n<td>No<\/td>\n<td>Secure delivery, upsells and affiliates<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/promotelabs.link\/sellfy\" target=\"_blank\" rel=\"noopener sponsored\">Sellfy<\/a><\/td>\n<td>From $22\/month billed yearly, 0% fee, sales caps<\/td>\n<td>No<\/td>\n<td>A simple hosted creator store<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/promotelabs.link\/EasyDigitalDownloads\" target=\"_blank\" rel=\"noopener sponsored\">Easy Digital Downloads<\/a><\/td>\n<td>Free plugin; paid plans from $99.50\/year<\/td>\n<td>No<\/td>\n<td>WordPress sites<\/td>\n<\/tr>\n<tr>\n<td>ClickBank<\/td>\n<td>7.5% + $1 per sale, $49.95 activation<\/td>\n<td>Yes, acts as retailer<\/td>\n<td>Getting instant access to affiliates<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>How to choose<\/h2>\n<ol>\n<li><b>Selling mostly in the US?<\/b> Stripe (plus PayPal) is usually the cheapest setup.<\/li>\n<li><b>Selling worldwide and want no tax paperwork?<\/b> Use a merchant of record such as Lemon Squeezy or Gumroad.<\/li>\n<li><b>Want a full store without building one?<\/b> SendOwl or Sellfy deliver files securely and include upsells.<\/li>\n<li><b>Want affiliates to sell for you?<\/b> ClickBank, or a platform with a built-in affiliate program.<\/li>\n<li><b>Run on WordPress?<\/b> Easy Digital Downloads keeps everything on your own site.<\/li>\n<\/ol>\n<h2>What is a merchant of record?<\/h2>\n<p>A merchant of record is the company legally selling the product to your customer. It collects and pays sales tax, VAT and GST, and handles chargebacks. You pay a higher fee, but you avoid registering for tax in many countries.<\/p>\n<p>Compare individual platforms in our <a href=\"https:\/\/promotelabs.com\/blog\/stripe-vs-paypal\/\">Stripe vs PayPal comparison<\/a>, <a href=\"https:\/\/promotelabs.com\/blog\/sendowl-digital-platform-review\/\">SendOwl review<\/a>, <a href=\"https:\/\/promotelabs.com\/blog\/sellfy-digital-platform-review\/\">Sellfy review<\/a> and <a href=\"https:\/\/promotelabs.com\/blog\/clickbank-digital-platform-review\/\">ClickBank review<\/a>.<\/p>\n<\/div>\n<div class=\"plb\">\n<style>.plb{font-size:18px;line-height:1.75;color:#1f2937}.plb h2{font-size:30px;line-height:1.25;margin:44px 0 14px;color:#0b1726;font-weight:800}.plb h3{font-size:22px;line-height:1.3;margin:28px 0 10px;color:#0b1726;font-weight:800}.plb p{margin:0 0 18px}.plb ul,.plb ol{margin:0 0 20px 22px}.plb li{margin:0 0 10px}.plb a{color:#1a8f3c;text-decoration:underline;text-underline-offset:3px}.plb .qa{background:#f1fbf4;border:1px solid #bfe8cc;border-left:5px solid #2ca749;border-radius:12px;padding:18px 22px;margin:4px 0 30px}.plb .qa b.l{display:block;color:#1a8f3c;font-size:13px;letter-spacing:.14em;margin-bottom:6px}.plb .qa p{margin:0}.plb table{width:100%;border-collapse:collapse;margin:8px 0 26px;font-size:16px}.plb th{background:#0b1726;color:#fff;text-align:left;padding:12px 14px}.plb td{border-bottom:1px solid #e5e7eb;padding:12px 14px;vertical-align:top}.plb tr:nth-child(even) td{background:#f8fafc}.plb .gift{display:flex;gap:20px;align-items:center;background:radial-gradient(600px 220px at 85% -40px,rgba(57,212,102,.35),rgba(11,23,38,0) 70%),#0b1726;border-radius:16px;padding:22px 24px;margin:30px 0;color:#e8eef6}.plb .gift img{width:120px;height:auto;border-radius:10px;flex:0 0 120px}.plb .gift b.t{display:block;color:#fff;font-size:21px;line-height:1.3;margin-bottom:6px}.plb .gift span.s{display:block;color:#c9d4e2;font-size:16px;line-height:1.55;margin-bottom:12px}.plb .gift a.g{display:inline-block;background:#2ca749 linear-gradient(180deg,#45d96d,#25a748);color:#fff!important;font-weight:800;font-size:16px;padding:11px 20px;border-radius:999px;text-decoration:none!important}.plb .note{color:#6b7280;font-size:15px;margin:0 0 22px}.plb .faq h3{font-size:20px;margin:22px 0 6px}@media(max-width:640px){.plb{font-size:17px}.plb h2{font-size:25px}.plb .gift{flex-direction:column;align-items:flex-start}.plb .gift img{width:100%;max-width:280px}}<\/style>\n<div class=\"gift\">\n<div><b class=\"t\">Got the checkout set up? Now get products worth selling<\/b><span class=\"s\">Get White Label and reseller rights to 20 AI software tools, the Marketing Vault and more. Put your brand on finished, proven products and sell them as your own.<\/span><a class=\"g\" href=\"https:\/\/promotelabs.com\/licensing\/\" target=\"_blank\" rel=\"noopener\">See Licensing Options &gt;&gt;<\/a><\/div>\n<\/div>\n<div class=\"pl-keep\">\n<h2>Keep reading<\/h2>\n<ul>\n<li><a href=\"https:\/\/promotelabs.com\/blog\/stripe-vs-paypal\/\">Stripe vs PayPal for digital products<\/a><\/li>\n<li><a href=\"https:\/\/promotelabs.com\/blog\/payment-gateway-processor-reviews\/\">Payment gateway reviews and comparisons<\/a><\/li>\n<li><a href=\"https:\/\/promotelabs.com\/blog\/ecommerce-platform-reviews-comparisons\/\">Ecommerce platform reviews<\/a><\/li>\n<\/ul>\n<\/div>\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"faq\">\n<h3>What is the cheapest way to accept payments for digital products?<\/h3>\n<p>For US sales, Stripe at 2.9% + 30 cents per card sale is usually the cheapest. Add PayPal as a second option for buyers who prefer it.<\/p>\n<h3>Do I need to charge sales tax on digital products?<\/h3>\n<p>Often, depending on where your buyers live. A merchant of record such as Lemon Squeezy or Gumroad collects and pays these taxes for you. This is not tax advice.<\/p>\n<h3>Is Gumroad or Lemon Squeezy cheaper?<\/h3>\n<p>Lemon Squeezy at 5% + 50 cents is cheaper than Gumroad at 10% + 50 cents per direct sale.<\/p>\n<h3>Which platform has a built-in affiliate program?<\/h3>\n<p>ClickBank is built around affiliates, and SendOwl and some Sellfy plans include affiliate tools.<\/p>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the cheapest way to accept payments for digital products?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For US sales, Stripe at 2.9% + 30 cents per card sale is usually the cheapest. 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suits.<\/p>\n","protected":false},"author":11,"featured_media":36754,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":"","tve_updated_post":"","tve_custom_css":"","tve_user_custom_css":"","tve_globals":{},"tcb2_ready":0,"tcb_editor_enabled":0,"tve_landing_page":"","_tve_header":"","_tve_footer":""},"categories":[1576],"tags":[],"class_list":["post-36755","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-category","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Payment Gateways for Digital Products (2027)<\/title>\n<meta name=\"description\" content=\"Stripe, PayPal, Lemon Squeezy, Gumroad, SendOwl, Sellfy, Easy Digital Downloads and ClickBank compared on fees, tax handling and who each suits.\" \/>\n<meta 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