Adult Content on Gumroad
The TLDR of this article:
1) We do allow adult content on Gumroad, but...
2) We do not allow pornography (explicitly defined below)
3) If you sell adult content, it takes us longer to review your account, so you need to make at least 6-10 sales before we can pay you
Gumroad hosts a wide variety of products, and we do (since 2016) allow certain types of adult content
However, we do not allow pornography.
We define pornography as photos or videos depicting one (or more) real human adults engaging in sexual activities. Sexual activities include genital stimulation or insertion of any kind. If your product contains images or video files of real human adults engaging in sexual activities, then it can't be sold on Gumroad.
Animations, illustrations, audiobooks and audio products do not count as pornography. If your product does not fall under the preceding definition, you can sell on Gumroad.
Content of any format, including those listed above, that features characters who are minors, are depicted as minors, or are suggested to be minors in any sexual or sensual context is strictly prohibited and cannot be sold on Gumroad.
Why we don't allow pornography
In order to exist, we need to work with banking partners in the US. These partners process our payments and help us handle chargebacks and issues that may arise with credit cards and banks that we interact with on behalf of our creators.
They associate pornography and graphic adult content with high levels of risk. That translates most commonly into fraudulent purchases of NSFW products and high rates of chargebacks in the form of "mistaken" purchases that appear on family or business credit card statements.
All that said, adult-themed, adult-oriented, and NSFW products are objectively more risky to sell than other digital products because Gumroad and our banking partners incur higher rates of loss on these sales than we do on other digital products.
If you are selling NSFW products on Gumroad and your account has a chargeback rate higher than 1% per volume, or we see signs of fraud on your sales, we are still required by our banking agreements to suspend your account. This has nothing to do with the content of your products - if your account is suspended for these reasons, we are simply following the directives of our banking partners.
Risk Reviews and Adult Content
Because NSFW content is inherently more risky, we are typically unable to adequately review and pay out Gumroad accounts selling adult content if they have only made one or two sales. Adult content creators should expect to have made between 6-10 sales to a handful of customers (in other words, not 6 sales to the same fan) before their account can be properly reviewed and paid out.
Selling NSFW Work
In order to help us filter search results on Gumroad, you need to mark your products as NSFW. Go to the Search tab of your product.
Scroll down to the Discover Settings where you add your tags, and toggle the tab indicating that your product is meant for adults.
Unfortunately due to the wonderfully infinite varieties of adult products, as funny as it might be, we can't provide an exhaustive list of what is or what is not allowed on Gumroad. But the vast majority of emails that we receive can be answered by this formulation:
Does your product contains images of one or more real human beings engaging in sexual activities?
If the answer is "yes," then it can't be sold on Gumroad.
But to be precise:
1) What about written content/erotica or audiobooks?
As per the definition above, we define pornography as photos or videos depicting one (or more) real human adults engaging in sexual activities. Written content would not fall under that definition.
2) What about 3D characters or illustrations?
As per the definition above, we define pornography as photos or videos depicting one (or more) real human adults engaging in sexual activities. If the people in your product are not real or are illustrated, it's fine.
3) What about boudoir or nude photography?
As per the definition above, we define pornography as photos or videos depicting one (or more) real human adults engaging in sexual activities. If the models in your photos are not engaging in sexual activities, then it's fine.
4) What is "sexual activity"?
I feel like this is something you learn about in high school, but sure - it's something that one would do to physically gratify oneself or others. Masturbation, insertion - you get it.