US blog posts quote a headline percentage. That is not what lands in a Canadian account after marketplace traffic, card processing, CAD payouts, and the CRA small-supplier tests. KeepCAD is the dated map for a first digital product or a tiny service, sold from a standing start.
Not tax, legal, or accounting advice. Not affiliated with Gumroad, Payhip, Polar, Lemon Squeezy, Paddle, Stripe, Etsy, or the CRA. Rates change. Recheck the official page before you open an account. If you wanted a personalised tax filing, this is the wrong product.
| Gumroad Discover (USD $9) | you keep USD 6.30 |
| Stripe Payment Links, Canada domestic (CAD $9) | you keep CAD 8.44 |
One comparison from the 20 Sep 2026 tape. Currencies are as charged, not FX-adjusted. Discover is marketplace traffic. Stripe Payment Links leave you as the merchant. The rest of the table, own-link Gumroad, Payhip, Polar, Lemon Squeezy, Paddle, Etsy, payout clocks, and refund lines, stays in the zip.
Buy KeepCAD 2026: CAD $9 One-time · instant downloadHow to use a dated fee comparison · Digital product download checklist · GST/HST threshold for digital sellers · Polar first payout wait for Canadian sellers · Gumroad CAD payouts for Canadian sellers · Payhip Canada GST/HST and PST from July 2026 · Lemon Squeezy payout wait for Canadian sellers · Stripe Canada card-not-present fees · Paddle under $10 pricing for Canadian sellers · Payhip payouts at purchase for Canadians · When Stripe pays a Canadian bank account · GST/HST on a download sold outside Canada · GST/HST on Stripe fees in Canada · Shopify Payments settlement time in Canada · PayPal Canada fees on a commercial sale · Shopify Basic card rates in Canada · Etsy GST/HST on a Canadian digital sale · Square Canada in-person versus online cards
Discover and your own link are not the same rate. This page keeps one Discover versus Stripe teaser from the 20 Sep 2026 tape. The rest of the comparison is in the zip. Recheck Gumroad’s own fee page before you open an account.
Two different questions get mixed together. Most Canadian small suppliers use two CRA clocks: one calendar quarter, and four consecutive calendar quarters, not one calendar year. Separately: some platforms remit tax on the buyer’s purchase as a Merchant of Record or as a digital platform operator. Stripe Payment Links leave you as the merchant. You still report the income in Canada either way. Not tax advice. Recheck the CRA page and the platform’s Canada tax help.
They answer different jobs. One can send you a stranger. One leaves you as the merchant. One deposits on a different clock. If you have no audience, marketplace traffic is customer-acquisition cost. If you already have the buyer, compare the merchant-of-record path with Stripe Payment Links. The teaser on this page is Discover versus Stripe. The calculator does the rest. Recheck each official fee and payout page.
Gumroad’s getting-paid help page publishes a regular payout floor and a CAD bank list. Instant payouts are described as US-only on that page. Recheck it against your ticket size. The zip maps that floor against a small CAD sale. Not banking advice.
Payhip’s Canada Sales Tax help article describes Payhip as a digital platform operator in Canada from 1 July 2026. QST and GST-registered sellers are treated as separate rows on that page. Recheck Payhip help article 393. Not tax advice.
Their headlines are written for the US. A Canadian buyer is not a US card. Recheck each platform’s fees page for the international or outside-the-US row. The zip maps that add-on onto the per-sale tape. This page does not reprint it.
Polar’s fees page lists payout fees it does not mark up, on top of the sale fee. Polar’s payouts page and account-reviews page then describe when the first withdrawal is even possible. Recheck those three pages. The zip maps them. Not tax advice.
Polar’s payouts page publishes a default minimum balance. Recheck it against a single small ticket. First payout also waits on Polar’s main account review, which includes identity verification. Recheck polar.sh/docs/features/finance/payouts and polar.sh/docs/merchant-of-record/account-reviews. Not tax advice.
Settlement delay is not first cash. Polar’s account-reviews page says the first payout waits on Polar’s main account review: submit for approval, identity verification, and connect a payout account. Recheck polar.sh/docs/merchant-of-record/account-reviews. The zip maps that clock. Not tax advice.
Lemon Squeezy’s getting-paid page is a payout clock, not the headline sale fee. Bank payouts and PayPal payouts are different rows, and a Canadian bank is not a US bank on that table. Recheck docs.lemonsqueezy.com/help/getting-started/getting-paid. Not tax advice.
Both fees pages send lower-priced products to custom pricing. KeepCAD will not invent those unpublished rates. Recheck Lemon Squeezy’s fees page and Paddle’s pricing page. Not tax advice.
Not on every platform. Some keep the platform cut. Some return their own fee and keep processing. Dispute fees are a separate line, and the outcome of the dispute does not always cancel them. Recheck each official refund and dispute page. The zip maps those rows. Not legal advice.
An offline HTML calculator (open it in any browser, nothing leaves the machine), a PDF with sources and a decision tree, an offline GST/HST two-test worksheet, and a CSV of the comparison table. Gumroad direct and Discover, Payhip, Polar, Lemon Squeezy, Paddle, Stripe Payment Links Canada, Etsy. CAD $9, instant download, sold by AuraBULL Inc. The $9 tape on this page is one Discover versus Stripe teaser. The calculator does the rest of the prices and refuses to invent a take-home where the platform publishes custom pricing instead.