Gumroad vs Wave: Pricing Comparison (2026)
Gumroad starts at Free. Wave starts at $19/mo. Gumroad is $19/mo cheaper on the entry tier than Wave.
Merchant-of-record platform for creators selling digital products (courses, ebooks, memberships). Positioned as the alternative to Stripe + Teachable + Podia for solo creators who want one tool to sell + deliver + handle tax. Distinctive for its 10% flat fee (no monthly subscription) that appeals to sellers just starting out. Founded by ex-Pinterest designer Sahil Lavingia (bootstrapped, transparently profitable). Popular with course creators, indie writers, and design assets sellers.
Free accounting software from Canada, acquired by H&R Block for $537M in 2019. Positioned as the alternative to QuickBooks for freelancers and micro-businesses that can't justify a paid accounting subscription. Distinctive for its genuine forever-free accounting/invoicing (competitors moved everything to paid). Monetizes through payments (2.9% + 60¢), payroll ($20-$40/mo), and advisor services. Popular with side hustlers, freelancers, and micro-businesses under $50K annual revenue.
All plans compared
| # | Plan | Gumroad monthly | Gumroad annual | Wave monthly | Wave annual |
|---|---|---|---|---|---|
| 1 | Direct sales / Starter | 10% + $0.50 per sale | — | 0 | 0 |
| 2 | Marketplace discovery / Pro | 30% flat per sale | — | 19 | 15.83 |
What each is best for
Merchant-of-record platform for creators selling digital products (courses, ebooks, memberships). Positioned as the alternative to Stripe + Teachable + Podia for solo creators who want one tool to sell + deliver + handle tax. Distinctive for its 10% flat fee (no monthly subscription) that appeals to sellers just starting out. Founded by ex-Pinterest designer Sahil Lavingia (bootstrapped, transparently profitable). Popular with course creators, indie writers, and design assets sellers.
Free accounting software from Canada, acquired by H&R Block for $537M in 2019. Positioned as the alternative to QuickBooks for freelancers and micro-businesses that can't justify a paid accounting subscription. Distinctive for its genuine forever-free accounting/invoicing (competitors moved everything to paid). Monetizes through payments (2.9% + 60¢), payroll ($20-$40/mo), and advisor services. Popular with side hustlers, freelancers, and micro-businesses under $50K annual revenue.
At a glance
| Gumroad | Wave | |
|---|---|---|
| Free plan | Yes | Yes |
| Entry price | Free | $19/mo |
| Enterprise available | — | — |
| Pricing model | Per Usage | Freemium |
| Last verified | July 29, 2026 | July 27, 2026 |
| Full pricing | View full pricing | View full pricing |
Pricing last verified July 29, 2026. Tracked daily.