Direct sales and Discover use different fee models
The standard direct-sale model adds a percentage and a fixed platform charge, then the direct payment-processing estimate. Discover uses its own percentage with processing included. Combining these streams into one rate can hide the cost of a low-priced product.
Worked example: a $29 product
With the default standard direct rates, one $29 direct card sale has $4.54 in modeled fees and $24.46 remaining. One Discover sale has $8.70 in modeled fees and $20.30 remaining. Amounts display rounded to cents; actual transaction-level rounding may differ.
What about the high-volume discount?
Enter only direct sales already eligible for the discounted rate. They are a subset of your direct sales, not additional sales. For a mixed month with different prices, refunds or custom fees, use your actual records rather than assuming every sale receives the discount.
Keep tax service and audience value in the decision
Gumroad’s merchant-of-record service and Discover audience are not equivalent to bringing customers to a separate storefront. A lower fee alone does not establish that moving will improve profit.
Read the switching checklist or model Payhip’s three plans. To use your own two plan quotes, open the break-even calculator.