Getting paid by Gumroad

In this article:

How you get paid by Gumroad depends on the country in which you are physically located. 

If your country is not on the list of direct deposit countries, then you can only receive payouts via PayPal. If PayPal doesn't work in your country, then unfortunately, we have no way to pay you. We don't have alternate payment methods for people in this situation right now.

Also note that if you are in one of our direct deposit countries, we will only pay you via PayPal when your customers pay with PayPal.

Payout modes

To get paid for your sales, you must first fill out your payments settings.

Get paid to your bank account

For prompt payouts, please ensure that you have the following for your country of residence:

  • A valid, government-issued photo ID
  • Proof of residence within the country

Also, if you are selling as a business, the business must be registered in the same country. Having a bank account based in another country will not, unfortunately, allow us to pay you out to that bank account unless you physically live (and can prove residence) in that country.

Direct bank payouts are only available for creators who live in the following countries. Residents of these countries cannot opt out of bank payouts:

๐Ÿ‡ฆ๐Ÿ‡ท Argentina ๐Ÿ‡ฆ๐Ÿ‡บ Australia
๐Ÿ‡ฆ๐Ÿ‡น Austria ๐Ÿ‡ง๐Ÿ‡ช Belgium
๐Ÿ‡ง๐Ÿ‡ฌ Bulgaria ๐Ÿ‡จ๐Ÿ‡ฆ Canada
๐Ÿ‡ญ๐Ÿ‡ท Croatia ๐Ÿ‡จ๐Ÿ‡พ Cyprus
๐Ÿ‡จ๐Ÿ‡ฟ Czech Republic ๐Ÿ‡ฉ๐Ÿ‡ฐ Denmark
๐Ÿ‡ช๐Ÿ‡ช Estonia ๐Ÿ‡ซ๐Ÿ‡ฎ Finland
๐Ÿ‡ซ๐Ÿ‡ท France ๐Ÿ‡ฉ๐Ÿ‡ช Germany
๐Ÿ‡ฌ๐Ÿ‡ท Greece ๐Ÿ‡ญ๐Ÿ‡ฐ Hong Kong
๐Ÿ‡ญ๐Ÿ‡บ Hungary ๐Ÿ‡ฎ๐Ÿ‡ช Ireland
๐Ÿ‡ฎ๐Ÿ‡ฑ Israel ๐Ÿ‡ฎ๐Ÿ‡น Italy
๐Ÿ‡ฑ๐Ÿ‡ป Latvia ๐Ÿ‡ฑ๐Ÿ‡น Lithuania
๐Ÿ‡ฑ๐Ÿ‡บ Luxembourg ๐Ÿ‡ฒ๐Ÿ‡น Malta
๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico ๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands
๐Ÿ‡ณ๐Ÿ‡ฟ New Zealand ๐Ÿ‡ต๐Ÿ‡ช Peru
๐Ÿ‡ต๐Ÿ‡ญ Philippines ๐Ÿ‡ต๐Ÿ‡ฑ Poland
๐Ÿ‡ต๐Ÿ‡น Portugal ๐Ÿ‡ท๐Ÿ‡ด Romania
๐Ÿ‡ธ๐Ÿ‡ฌ Singapore ๐Ÿ‡ธ๐Ÿ‡ฐ Slovakia
๐Ÿ‡ธ๐Ÿ‡ฎ Slovenia ๐Ÿ‡ฐ๐Ÿ‡ท South Korea
๐Ÿ‡ช๐Ÿ‡ธ Spain ๐Ÿ‡ธ๐Ÿ‡ช Sweden
๐Ÿ‡จ๐Ÿ‡ญ Switzerland ๐Ÿ‡น๐Ÿ‡ญ Thailand
๐Ÿ‡น๐Ÿ‡น Trinidad & Tobago ๐Ÿ‡ฆ๐Ÿ‡ช United Arab Emirates (Business accounts only)
๐Ÿ‡ฌ๐Ÿ‡ง United Kingdom ๐Ÿ‡บ๐Ÿ‡ธ United States of America

Depending on your country, bank payouts can take 2-7 business days to process, and can be delayed around banking holidays.

We can only pay out to a local bank account and in your local currency. We cannot pay you out in USD if you are not from the US.

All currency conversions happen based on the exchange rates at the time of sale, not at the time of the payout. These are typically mid-market rates that you can estimate here.

Note: Due to restrictions from our payment partners, you may have to forfeit your balance if you want to change your country in the future. Choose carefully!

Get paid to Stripe

You can connect your Stripe account to receive payments for credit card sales directly to your Stripe account. This feature is available in all countries where Stripe operates, except Brazil, India, Indonesia, Malaysia, Mexico, Philippines, and Thailand. Learn all about this feature here.

Get paid to PayPal

If bank payouts are not supported in your country, you will be paid out via PayPal. You just need to have an individual or business PayPal account without any restrictions.

PayPal payouts are always processed in USD, and usually in 1-3 business days.

Other payout modes

Unfortunately, we do not support alternative payout modes like Payoneer, Wise, check, money order, wire transfer, etc.

Stripe verification process

Our payment processor, Stripe, requires additional information to verify the identity of the account holder after a certain amount of time has passed and sales accrued This is a standard practice in the financial industry and is part of their Know Your Customer (KYC) obligations.

ID verification

You can learn the correct documents needed for ID verification for your specific location here.

Address verification

You can learn the correct documents needed for address verification for your specific location here.

SSN

SSN is required for US sellers. The name and date of birth on your SSN must match exactly with the info filled in your Payments settings. Refer to your social security card to see how your name is formatted, and enter your name in the settings exactly as it is on the card. If you have a middle name, you can append it to the First name field on the settings page.


If you donโ€™t have your social security card, or if you believe youโ€™ve entered the correct information but still receive an error, contact the Social Security Administration to request a copy of your social security card or update your name here: https://www.ssa.gov/ssnumber/ 

Payout schedule

โš ๏ธ To receive a payout, you must have a minimum balance of US $10.

Certain countries have higher minimum payout balances - Thailand (600 THB) and Korea (40,000 KRW).

Each payout is for sales made up to the previous Friday UTC. This means that the sale amount sits in your Gumroad balance for at least 7 days before being paid out. Unfortunately, it is not possible to customize the payout schedule.

You can download a CSV report for each payout from the Payouts dashboard, which includes a breakdown of all Gumroad fees and customer data. 

Enable payments via PayPal

If you have connected your PayPal account with Gumroad, proceeds from all sales via PayPal will be credited to your connected account at the time of sale, in the default currency of your PayPal account. This appears on your Payouts page as โ€œPayPal Payoutsโ€.

The account review process

For our review, we require your account to be legitimate in two major ways:

  1. You comply with both Gumroadโ€™s terms and those of our payment processors.
  2. Your account is not racking up chargebacks and suspicious purchases.

The review process can take 1-3 weeks depending on your sales and the data we can analyze. Typically, this means 3-4 sales with a balance over US$10; however, every account is unique so we thank you for your patience. 

Note: NSFW account reviews can take longer because they have a higher risk profile.

You cannot speed up the review process by purchasing your own product. Payment processors view purchasing your own products as fraudulent, and this can get you suspended or permanently banned. If you just want to test your product, please use the test purchase feature.

There can be other reasons for a payout delay that you can know more about here: Payout delays

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