Last checked: 2026-09-28
A refund is not the same event as a payout. Gumroad’s help article “Issuing a refund”, fetched 28 September 2026, splits Gumroad’s own fee from the payment-processing portion. This page names that split. It does not reprint a day count, a PayPal percentage, or a worked example. It is not tax, legal, or accounting advice. Recheck gumroad.com/help/article/47-how-to-refund-a-customer before you rely on it.
The article says that on a full or partial refund the customer receives the refunded amount, and Gumroad’s own fee on the refunded portion is returned. The payment-processing portion is retained, because the article says payment processors do not return that portion to Gumroad. That is not the payout-floor question on the getting-paid article. This guide does not print a percentage.
The same article says a refund can be issued only when the balance can cover it. If the balance is too low, more sales have to land before the refund can go out. Issue the refund from the Gumroad dashboard. The article says the system does not support a refund issued directly from a Stripe or PayPal account.
Sales processed through the seller’s own connected payment account are not the standard split. For Stripe Connect and PayPal Connect, the article says the processor keeps its fees on the sale, and the seller is responsible for Gumroad’s fee and the processor’s fee on the refund. The PayPal Connect paragraph also says PayPal keeps its fees and refunds part of the amount. This guide does not reprint that percentage.
Customers are refunded in the currency they were charged. Where a purchase was charged in one currency, a later exchange rate can change what the buyer sees back in another currency. This page does not print a rate, and it does not reprint how many business days a card refund takes to appear. The article says a PayPal refund is immediate. That sentence is not the card timing.
On a full refund, the article says the customer loses access to the content and any product rating is deleted. On a partial refund, the customer still has access, except where a membership is pending cancellation and is set to end access when the membership ends. In that case a partial refund ends the membership and revokes access. Read that exception on the article. Do not treat every partial refund as “access stays.”
KeepCAD 2026 maps this refund split against other checkouts, including who keeps a fee after the sale. The sales page keeps one Discover versus Stripe teaser. The rest of the tape is in the zip.
Source: gumroad.com/help/article/47-how-to-refund-a-customer (fetched 28 September 2026). Recheck it. Not tax advice.