Selar is built for African creators and takes local payments such as mobile money, with a per-sale fee that varies by currency. Gumroad is a US platform that charges 10% + $0.50 on direct sales and suits creators selling mostly to buyers abroad who pay by card. For a seller in Ghana with Ghanaian buyers, Selar is usually the closer fit. For a global audience in dollars, Gumroad is the more natural choice.
Figures are as of October 2026, taken from each platform's own pricing pages where we could read them. Where we could not confirm something, we say so. Check each site for current pricing before you decide.
Selar vs Gumroad at a glance
| Selar | Gumroad | |
|---|---|---|
| Built for | African creators | A global, dollar-based audience |
| Monthly fee | Plans exist; check their site | None |
| Fee per sale | Varies by currency. 5% + GH₵ 1 for cedis per Selar's own materials; check their pricing page for the live rate | 10% + $0.50 on direct sales; 30% on sales through Gumroad Discover |
| Mobile money from Ghanaian buyers | Yes | Not listed on its pricing page |
| Main currency | Many African currencies | US dollars |
| Payouts to Ghana | Check their site | Bank payouts in cedis listed for Ghana in Gumroad's help centre; confirm the minimum on their site |
How do the fees compare?
Gumroad states its fees plainly on its pricing page: 10% + $0.50 on direct sales and 30% on sales that come from Gumroad Discover. It also says there is no monthly fee. Whether card processing is included in that figure is something to confirm on their site.
Selar says there is a transaction fee on every sale on any plan, and that it varies with the currency of the sale. Its own blog lists 5% + GH₵ 1 for sales in cedis, though the pricing page snippet we could read only showed the Naira rate (4% + NGN 50). Treat the cedi figure as "check Selar's pricing page for the current rate". Selar also lets sellers pass the transaction fee to buyers.
A worked example
You sell a GH₵ 100 ebook (about $6.50 at the rates Paylead uses internally, a rough figure only).
| Fee | You keep | |
|---|---|---|
| Selar at 5% + GH₵ 1 (verify current rate) | GH₵ 6 | GH₵ 94 |
| Gumroad at 10% + $0.50 | roughly GH₵ 18, since $0.50 is a large share of a small sale | roughly GH₵ 82 |
| Paylead at 4% + GH₵ 1 | GH₵ 5 | GH₵ 95 |
The $0.50 flat fee is what hurts small sales. On a $50 course the percentage matters more than the flat fee.
Which one gets payments from Ghana?
Ghanaian buyers mostly pay with MTN MoMo, Telecel Cash or AirtelTigo Money. Selar supports mobile money. Gumroad's pricing page does not list mobile money, and it is built around cards and PayPal. If your buyers are in Ghana, that decides a lot. See our guide to accepting mobile money payments online in Ghana.
Which one is easier to get paid from?
Gumroad's help centre says some countries use bank payouts and others use PayPal. It lists Ghana among bank payout countries, paid in cedis, but the minimum payout and schedule were not clear from the pages we could read, so confirm those before you commit. Our separate guide covers Gumroad fees for Ghanaian sellers.
For Selar's withdrawal fees, we could not find a clear published figure for cedi wallets, so check their site. More in Selar fees explained.
What each one is best at
Selar: African creators selling digital products to buyers in several African countries, who want local payments and many currencies.
Gumroad: creators selling to a global audience in dollars, who want a very simple storefront and no monthly fee.
Where does Paylead fit?
Paylead is a Ghana-first option. Buyers pay with MoMo or card, and you can sell digital products, courses, webinars, bookings, subscriptions and physical products with pay on delivery. Online payments cost 4% + GH₵ 1 per sale on every plan, or you can let the buyer cover it. Pay on delivery costs 2% + GH₵ 1. Starter is free, Pro is GH₵ 149 a month and Business is GH₵ 399. Withdrawals cost GH₵ 5 and arrive the next working day.
Paylead is not the right pick if you only sell to buyers in dollars. It is priced in cedis and built for sellers in Ghana, with Nigeria planned next.
If you are leaving Selar, our Switch from Selar page and the import guide show how to bring your products over. For a wider view see best Selar alternatives and Gumroad alternatives for African creators.
FAQ
Is Selar cheaper than Gumroad?
On small cedi sales, usually yes, because Gumroad's $0.50 flat fee is large on a small sale. Confirm Selar's current rate on its pricing page.
Does Gumroad accept mobile money?
Its pricing page does not mention mobile money. Check Gumroad's site for current payment methods.
Can I use both Selar and Gumroad?
Yes. Some creators use Selar for Ghanaian buyers and Gumroad for buyers abroad. The trade-off is two dashboards and two sets of customers.
Which is better for selling an ebook in Ghana?
For Ghanaian buyers paying by MoMo, a local platform. See how to sell an ebook in Ghana.
Want to compare with your own numbers? Create a free Paylead account.
