Getting paid by Gumroad

In this article:

• Payout modes
  • Get paid to your bank account
  • Get paid to PayPal
• Verification process
• Payout schedule
• Instant payouts
• Enable payments via PayPal
• The account review process

Payout modes

We support direct bank deposits in the local currency for most countries. For countries where bank deposits are not available, we offer PayPal transfers as the only payment option.

We do not support alternative payout modes like Payoneer, Wise, check, money order, wire transfer, etc. If your country is not supported by direct bank deposits or PayPal, then unfortunately, we have no way to pay you out for now.

To get paid for your sales, start by filling out your payments settings.

Get paid to your bank account

For prompt payouts, please ensure that you have the following for your country of residence:

• A valid, government-issued photo ID
• Proof of residence within the country

If you are selling as a business, the business must be registered in the same country. You cannot get paid to another country's bank account by just having a business registered in that country. You must physically live (and can prove residence) in that country.

Depending on your country, bank payouts can take 2-7 business days to process, and can be delayed around bank holidays.

We can only pay out to a local bank account and in your local currency. We cannot pay you out in USD if you are not from the US. All currency conversions happen based on the exchange rates at the time of sale, not at the time of the payout. These are typically mid-market rates that you can estimate here.

Get paid to PayPal

If bank payouts are not supported in your country, you will be paid out via PayPal. You just need to have an individual or business PayPal account without any restrictions.

PayPal payouts are always processed in USD, and usually in 1-3 business days.

Verification process

Our payment processor, Stripe, requires additional information to verify the identity of the account holder after a certain amount of time has passed and sales accrued. This is a standard practice in the financial industry and is part of their Know Your Customer (KYC) obligations.

ID verification

You can learn the correct documents needed for ID verification for your specific location here.

Address verification

You can learn the correct documents needed for address verification for your specific location here.

SSN

SSN is required for US sellers. The name and date of birth on your SSN must match exactly with the info filled in your Payments settings. Refer to your social security card to see how your name is formatted, and enter your name in the settings exactly as it is on the card. If you have a middle name, you can add it to the First Name field on the settings page.

If you don't have your social security card, or if you believe you've entered the correct information but still receive an error, contact the Social Security Administration to request a copy of your social security card or update your name here: https://www.ssa.gov/ssnumber/ 

Payout schedule

You can choose to get your payouts weekly, monthly, or quarterly; and even set a minimum payout threshold. You can also manually pause and resume your payouts for a custom payout schedule.

Payouts include sales made through the previous Friday (UTC). All sales have a minimum 7-day holding period in your Gumroad balance before they become eligible for payout.

You can download a CSV report for each payout from the Payouts dashboard, which includes a breakdown of all Gumroad fees and customer data. 

Instant payouts

Creators from the US can get paid within minutes for amounts up to $10K and a 3% fee. Instant payouts are available only to creators from the US who have completed four payouts.

If you are eligible for an instant payout, you will see the option to get paid instantly on your Payouts dashboard.

Not all debit cards are eligible for instant payouts. If you connect a debit card and still see a message to connect a debit card to receive instant payouts, the card you connected is not eligible. You will need to try a different card.

Enable payments via PayPal

If you have connected your PayPal account with Gumroad, proceeds from all sales via PayPal will be credited to your connected account at the time of sale, in the default currency of your PayPal account. This appears on your Payouts page as "PayPal Payouts".

The account review process

For our review, we require your account to be legitimate in two major ways:

1. You comply with both Gumroad's terms and those of our payment processors.
2. Your account is not racking up chargebacks and suspicious purchases.

The review process can take 1-3 weeks depending on your sales and the data we can analyze. Typically, this means 3-4 sales with a balance over US$10; however, every account is unique so we thank you for your patience. 

You cannot speed up the review process by purchasing your own product. Payment processors view purchasing your own products as fraudulent, and this can get you suspended or permanently banned. If you just want to test your product, please use the test purchase feature.

There can be other reasons for a payout delay that you can know more about here: Payout delays