Gumroad, Lemon Squeezy and Paddle for crypto sellers: what each accepts, and the USDC option.

Do Gumroad, Lemon Squeezy or Paddle accept crypto?

No: on 15 October 2026 none of the three lists cryptocurrency or a stablecoin among the ways a buyer can pay. Fianto publishes this post, and Fianto sells a USDC checkout, so read the vendor pages linked below rather than taking our summary on trust. Every row comes from the vendor's own help or developer page, read that day.

Gumroad is the most direct about it. Its buyer guide says: "By accepting the majority of credit cards and PayPal, we make things as easy as possible for you and the Gumroad creators you are supporting." The table under that sentence puts "Bitcoin/Cryptocurrency" in the column of things you cannot pay with.

Recurring products narrow the list further. Lemon Squeezy's payment methods page says: "For subscription products we only support cards, Apple Pay, Google Pay and PayPal at this time." Paddle's payment methods overview marks cards, Apple Pay and Google Pay as working for subscriptions.

What do Gumroad, Lemon Squeezy and Paddle charge, and what does the fee buy?

Gumroad charges 10% + $0.50 on direct sales, and Lemon Squeezy and Paddle each charge 5% + 50 cents, according to their pricing pages on 15 October 2026. The fee pays for more than card processing. A merchant of record is the business that legally sells to your customer: it collects the payment, charges the right sales tax or VAT, files and remits it, and handles refunds and card disputes, then pays you what is left.

If you sell to buyers in many countries, the tax work is the main reason to pay these rates. Registering for VAT or sales tax in each place where you cross a threshold, charging the right rate and filing returns is real work, and a merchant of record does all of it under its own name. What card processors add for foreign cards and currency conversion is in international payments without FX fees.

What does a Fianto shop do instead?

A Fianto shop is a storefront at your-name.fianto.xyz that sells your products for USDC on Solana, and each payment goes straight to your own wallet. You build it in the dashboard with no code: pick one of 23 themes, add products at one-time, monthly or yearly prices, and publish once your merchant account is approved. The full tour is in the no-code USDC shop guide.

• Delivery after payment: a message, an https link with a label, or delivery codes, one code per paid buyer from a list you paste, which also work as event tickets sold for USDC.
• The buyer gets an email with the delivery when they gave an address, and you get a "New sale" email.
• Shop purchases can trigger a Zapier Catch Hook or a Make custom webhook, for example to enrol the buyer in a course tool.
• Subscriptions renew from the buyer's wallet after one approval; the buyer cancels in the portal at fianto.xyz/my.
• A discount code typed at checkout can lower the price; coupon recipes for USDC plans has set-ups to copy.

The money side is different from a merchant of record. Fianto never holds the payment: the buyer signs one Solana transaction that sends the price to your wallet. You pay Fianto nothing and pay no network fee. During the beta there is no Fianto fee at all; after it, the buyer pays about 0.1 to 0.5% on top of your price. The buyer pays the Solana transaction fee, under $0.01, and on a subscription a flat 0.01 USDC network fee with each charge today.

How much of a 25.00 sale reaches you on each platform?

On a 25.00 one-off sale, you keep 22.00 on a Gumroad direct sale, 23.25 on Lemon Squeezy or Paddle, and the full 25.00 USDC on a Fianto shop. The figures apply each vendor's published rate from 15 October 2026 and count 1 USDC as $1.

The comparison is not like for like. The merchant-of-record rows include tax work, card disputes and buyer support; the Fianto row includes none of those. If you would otherwise pay an accountant or a tax tool to do that work, add its cost to the Fianto row before you compare.

What Fianto does not do that a merchant of record does

Fianto is a payment tool, not a merchant of record, and its shop is narrower than Gumroad, Lemon Squeezy or Paddle in plain ways:

• No tax. Fianto calculates, collects and files no sales tax or VAT. You are the seller, and tax is yours to work out with an adviser. This is not tax advice.
• No cards, PayPal or bank transfers. Buyers need a Solana wallet holding USDC and a little SOL for the transaction fee.
• No fiat payouts. Sales arrive as USDC in your wallet; turning them into bank money is a separate step, covered in turning USDC into local currency.
• No image or logo uploads, no cart and no quantities: each purchase is one price of one product, and covers are colour washes.
• No custom domain for the shop, and one shop per merchant.
• No refund button. A refund is you sending USDC back from your own wallet.
• Approval first. Fianto reviews each merchant before the shop can publish or take payments, with no promised review time.

Who should stay on Gumroad, Lemon Squeezy or Paddle?

Stay with a merchant of record if most of your buyers pay by card or PayPal, or if you sell to consumers in many tax jurisdictions and do not want to register and file yourself. Gumroad suits creators who want its Discover marketplace and accept 30% on those sales. Lemon Squeezy and Paddle suit software sellers at 5% + 50 cents. A handful of customers asking to pay in USDC is no reason to move your card buyers anywhere.

When a USDC shop is worth adding

Add a Fianto shop or a USDC payment link when your buyers already hold USDC on Solana and ask to pay with it, when the per-sale fee matters on small prices such as tips and donations, or when you cannot get a card account at all, a case covered in Stripe isn't available in my country. Nothing stops you running both: keep the merchant-of-record checkout for cards and send USDC buyers to the shop. Just record USDC sales in your own books, since no merchant of record reports them for you.

The shop editor, step by step, is in the docs under Your shop.