The structural difference: who holds the money
Platforms like Gumroad and similar providers for digital products work technically as a reseller or merchant of record: buyers pay the platform, the platform deducts fees and pays out the rest to you — usually with a delay, often on a payout schedule the platform sets. The money always flows through someone else's account first before it reaches you.
That model has a cost that is structurally tied to every single sale: because the platform acts as the seller of record toward the card and payment infrastructure, it charges a percentage of revenue — recalculated on every transaction, regardless of how much or how little you sell in a given month.
MyPayGate is structurally different. Buyers pay directly into your own PayPal, Wise, or Cash App account — not an account of ours. We never see the payment, never hold it, and never pay it out to you, because it never reaches us. That is exactly why there is no sales commission for us to charge: nothing passes through our hands.
What that means in practice
The difference is easiest to see in the math that any percentage-based model produces automatically: a platform charging, say, a 10% fee keeps ten dollars on a $100 sale, a hundred dollars on $1,000 of monthly revenue, a thousand dollars on $10,000. The fee scales linearly with revenue — sell more, and you automatically pay more in absolute terms, regardless of the actual work the platform did for that particular sale.
With MyPayGate you pay a fixed monthly subscription for using the platform — the payment page, access delivery, the vault. Whether you make one sale in a month or a hundred, the platform cost stays the same, because it is not tied to individual transactions. At $100 of revenue, a percentage model is often the cheaper choice; the more you sell, the more the math shifts in favor of a flat subscription, because a percentage fee keeps growing while a fixed price does not.
This is not a claim that one model is "better" — only that costs behave differently as revenue grows. At low, irregular revenue, a percentage model with no fixed cost can be more predictable. At steady or growing revenue, a flat monthly fee becomes relatively cheaper with every additional sale.
The honest trade-off: what you take on yourself
Giving up centralized payment processing is not a pure upside — it is a trade. Because your money never passes through MyPayGate, there is also no central checkout with a card field hosted on our site — buyers pay through whichever payment method you connect, meaning your own PayPal, Wise, or Cash App link, using whatever payment methods that provider supports.
Likewise, there is no automatic refund handling built into the platform: if you refund a payment, you do it through your own PayPal or Wise account, not through a "refund" button on our end. Disputes, chargebacks, and payment-related customer service run through your payment provider, not through MyPayGate.
This fits well if you already use a working PayPal, Wise, or Cash App account, have manageable refund volume, and care more about a fixed, predictable cost structure than an all-in-one checkout. It fits less well if you depend on a single centralized checkout page with built-in card payments, expect high refund rates, or would rather have a platform that manages payment disputes on your behalf.