KeepCAD · Canada 2026

What hits the account.

Rates dated 18 Sep 2026
Instant download · CAD $9

US blog posts say “Gumroad is 10%.” That is not what lands in a Canadian account after Discover traffic, card processing, CAD payouts, and the CRA $30,000 small-supplier rule. KeepCAD is the dated map for a first digital product or a tiny service, sold from a standing start.

In the zip

  • Offline HTML calculator. Open it in any browser. No account, no upload, no tracking. Enter a price; it prints take-home like an adding-machine tape.
  • PDF guide: $0-start rules, Merchant of Record versus you-as-seller, GST/HST threshold, decision tree, sources.
  • CSV of the full comparison table for Excel or Google Sheets.

Who it is for

  • Canadians selling a PDF, a template, a small tool, or a research job, with no ad budget.
  • Anyone quoting CAD and tired of US-only fee math.

Not tax, legal, or accounting advice. Not affiliated with Gumroad, Payhip, Polar, Lemon Squeezy, 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.

Worked example · $9 ticket

Gumroad Discover (USD $9)you keep USD 6.30
effective fee−30.0%
Gumroad your own link (USD $9)you keep USD 7.04
10% + $0.50 + card processing−21.8%
Payhip Free (USD $9)you keep USD 7.99
5% + processing, no marketplace−11.2%
Stripe Payment Links, Canada domestic (CAD $9)you keep CAD 8.44
2.9% + C$0.30 · you are the merchant−6.2%

Currencies are as charged, not FX-adjusted. Polar and Lemon Squeezy sit near Payhip on a $9 ticket; the PDF is about which one you should actually open, not which headline fee is smallest. The calculator does the rest of the prices.

Buy KeepCAD 2026 — CAD $9 One-time · instant download