Gumroad

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Do not build this if being the merchant of record is what you are paying for.

That phrase does the heavy lifting: sales tax registered and remitted in dozens of jurisdictions, payment methods, chargebacks and payouts, all in somebody else's name. Taking that on yourself means registering for VAT in places you have never visited, collecting evidence of where each buyer was, and being the one a card network argues with.

WHEN TO KEEP PAYING
- International sales where the tax handling is genuinely worth a percentage
- You would rather not learn what a chargeback representment is

WHEN TO BUILD
- Sales concentrated in one country, or volume high enough that the percentage exceeds the effort. The shape is under SendOwl and Podia elsewhere in this catalogue

WHAT YOU TAKE ON, STATED PLAINLY
- **Tax on digital goods is usually the buyer's rate, not yours.** Collect the country, apply the rate, and store two pieces of non-conflicting evidence of where they were. That evidence requirement is what people discover a year late
- Registration thresholds differ by country, and some have none at all for digital services
- Refunds, chargebacks and disputes become yours, and a chargeback costs the fee as well as the sale
- Take advice before the first sale rather than after the first tax year

WHAT TO BUILD IF YOU GO AHEAD
- Hosted checkout, so no card data touches your server
- The order created from the verified webhook, never from the browser returning to a success page — somebody who closes the tab after paying must still have an order
- Idempotency by event id, and out-of-order delivery handled
- Download links with a long random token, an expiry and a use limit, where a resumed download counts as one use rather than five. That accounting is most of the support burden in this business
- Receipts that arrive: SPF, DKIM and DMARC on your own domain, because a missing receipt is a support message
- Reconcile nightly against the provider and alert on any disagreement

THE ONE-LINE VERSION
The percentage is buying tax compliance and chargeback handling. Work out what those would cost you before deciding it is expensive.