Sell Digital Products Without Transaction Fees in 2026
7 platforms that take 0% per sale, what each costs a month, and why Gumroad's cut is $240 on $2,000 of $25 sales. Updated September 2026.
To sell digital products without transaction fees, use a platform that charges a flat monthly price instead of a cut of each sale. Stan Store, Sellfy, Payhip Pro, Beacons Creator Plus, Ko-fi Gold and shopspace all take 0% per sale. No platform removes card processing, though: Stripe or PayPal still charges its fee on every order.
shopspace is one of them: 0% per sale on every plan for a flat $19 a month billed yearly, with the money going straight to your own Stripe account. Below is how it compares with the others, and when a per-sale fee is actually the cheaper choice.
What counts as a transaction fee
Two different charges get called "transaction fees", and it helps to separate them:
- The platform fee. A percentage (sometimes plus a fixed amount) that the platform keeps from each sale. This is the one you can avoid.
- Card processing. What Stripe or PayPal charges to move the money. Every platform passes this on, including the 0% ones.
Gumroad is the clearest example of a platform fee. It charges no monthly price, and takes 10% + $0.50 on each direct sale, with card processing charged on top. Sales that come through its Discover marketplace pay a flat 30% instead, processing included. That is the model the 0% platforms replace: you pay a fixed monthly price and keep the rest.
Platforms that charge 0% per sale (as of September 2026)
| Platform | Plan with 0% | Monthly billing | Billed yearly | The catch |
|---|---|---|---|---|
| shopspace | Creator | $29 | $19 a month ($228 a year) | Paid plans only, no marketplace; custom domain is on Pro |
| Stan Store | Creator | $29 | $25 a month ($300 a year) | Paid plans only; email broadcasts and flows need Creator Pro at $99 a month; no custom domain on any plan |
| Sellfy | Starter | $29 | $22 a month | Paid plans only; Starter is capped at $10,000 in sales a year, and Sellfy may charge 2% on revenue above the cap |
| Beacons | Creator Plus | $30 | $25 a month | Free and Creator ($10) plans take 9% per sale |
| Linktree | Premium | $35 | $30 a month | Free takes 12%, Starter and Pro take 9% on digital products |
| Payhip | Pro | $99 | Not listed | Free takes 5%, Plus ($29) takes 2% |
| Ko-fi | Gold | $12 | Not listed | Ko-fi's free options take 5% on shop sales |
Sources: Stan Store pricing, Sellfy pricing, Beacons plans, Linktree pricing, Payhip pricing, Ko-fi pricing.
Every one of these charges a monthly price for the 0%. The free plans that exist (Beacons, Linktree, Payhip, Ko-fi) all take a percentage.
What a per-sale fee costs you each month
Here is what the platform takes on $500 and $2,000 a month of $25 products (20 and 80 sales). Card processing (Stripe or PayPal) applies on every platform, so it is left out to keep the comparison fair. Subscription prices use yearly billing.
| Platform and plan | Platform cost at $500 | You keep | Platform cost at $2,000 | You keep |
|---|---|---|---|---|
| Gumroad (10% + $0.50) | $60 | $440 | $240 | $1,760 |
| Linktree Free (12%) | $60 | $440 | $240 | $1,760 |
| Beacons Free (9%) | $45 | $455 | $180 | $1,820 |
| Payhip Free (5%) | $25 | $475 | $100 | $1,900 |
| Stan Store Creator | $25 | $475 | $25 | $1,975 |
| Sellfy (Starter at $500, Business at $2,000) | $22 | $478 | $59 | $1,941 |
| shopspace Creator | $19 | $481 | $19 | $1,981 |
Sellfy changes plan in that table because $2,000 a month is $24,000 a year, past Starter's $10,000 cap. Business ($59 a month billed yearly) covers up to $50,000.
At $2,000 a month in $25 sales, Gumroad's cut is $240 and Beacons Free takes $180. Start a 7-day free trial of shopspace and pay a flat $19 a month billed yearly instead, with 0% taken from any sale.
The percentage platforms grow with you, which is the problem: every sale you add, they add to their cut. A flat price stays the same at $500 or $5,000.
How to choose between the 0% platforms
They all take 0%, so the choice comes down to price and what is included.
shopspace has the lowest yearly-billed price of the platforms in the table that list one, and only Ko-fi Gold ($12 a month) costs less. The Creator plan includes a storefront with checkout, unlimited products, courses and members, community, memberships and bookings, email campaigns and sequences, automations on store events, and Instagram automations that auto-DM people who comment. You can sell downloads, physical products, courses, webinars, bundles and lead magnets from one store. What it does not do: bring you buyers, or handle VAT for you. A custom domain needs the Pro plan ($39 a month billed yearly).
Stan Store matches shopspace at $29 month to month and costs $25 a month on yearly billing. Its Creator plan collects emails through lead magnets, but sending broadcasts and email flows needs Creator Pro at $99 a month, and there is no custom domain on any plan.
Sellfy includes a custom domain on every plan and sells physical products and print-on-demand. Watch the yearly sales caps ($10,000, $50,000 and $200,000 by plan) if you are growing.
Payhip Pro is expensive at $99 a month for 0%, but Payhip collects and remits EU and UK VAT on every plan. If you sell to European buyers and do not want to deal with VAT yourself, that is a genuine reason to pick it.
Ko-fi Gold at $12 a month is the cheapest 0% option. If your supporters already know you on Ko-fi and you only need tips, memberships and a simple shop, it is hard to beat on price.
Beacons Creator Plus and Linktree Premium make sense mainly if you already run your link-in-bio there and want to stop paying 9% to 12% per sale.
When a per-sale fee is the better deal
A 0% platform is not automatically cheaper. If you sell little, a percentage costs less than a monthly price. Payhip's 5% only reaches $19 once you sell $380 in a month. Beacons' 9% reaches it at $211.11. Gumroad, on $25 products, reaches it at $158.33. Below those numbers, the free plan is the cheaper one, and our guide to selling without monthly fees has the full break-even table.
Marketplaces are the other exception. Gumroad Discover and Etsy put your product in front of buyers who are already searching, and that traffic is what their higher cuts pay for. If you have no audience yet, that can be worth more than the fee. Our breakdowns of Gumroad's fees and Etsy's seller fees show exactly what those cuts are.
FAQ
Is there a platform with no fees at all? No. Free plans take a percentage of each sale, 0% plans charge a monthly price, and card processing applies everywhere. The real question is which combination costs least at your sales volume.
Does 0% transaction fee mean I keep 100% of the sale? No. You keep everything except card processing, which your payment processor charges on every platform.
Which 0% platform is cheapest? Ko-fi Gold at $12 a month. On yearly billing, shopspace is next at $19 a month, then Sellfy at $22 and Stan Store at $25.
The verdict
If you sell less than roughly $150 to $380 a month (the break-even depends on the plan's cut), stay on a free plan and let the percentage be your only cost. Once you are past that, paying a platform 5% to 12% of every sale is paying rent that rises every time you grow. Pick a flat-priced platform on what it includes: Payhip if you need VAT handled, Ko-fi Gold if you live on Ko-fi, and shopspace if you want your store, email, courses, community and Instagram automations in one place for $19 a month billed yearly.
Set up your store on shopspace with a 7-day free trial. A card is required at signup and nothing is charged for 7 days, so you can move a product over and see it working before you pay anything.