Selling eBooks without connecting my Stripe or PayPal, direct bank transfers

Paabl0

Paabl0

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So I am looking for a place to sell my whitehat e-books where I don't need to connect my personal Stripe or PayPal account.

I mean the merchant should have their own payment processor.

I am fine with Stripe Express account but not standard Stripe as my country doesn't allow opening standard stripe account. Don't wanna risk by creating with fake details or putting another country name as that won't last long term.

Why not PayPal? Cause PayPal doesn't accept many bank cards and they have very poor conversion rate.

I have come accross Gumroad, it seems to meet the purpose but the commission are too high. 10% + 3% for a txn, not sure if they have some fees for even payout as well!

I checked the forum. There is one comment that says these type of service is called "merchant of record" and provided examples of Gumroad, Digistore24, Paddle.

Gumroad I already explained why I don't wanna use.
Digistore24 has similar or worse fee structure.
Paddle looks cheaper but it doesn't have a website, I mean I have to host it, it's only a payment gateway.

Do you have any alternative of the service that I am looking for?

I am fine with Maximum of 8% fees excluding the 3% fee for stripe txns which is common everywhere. So total 10-11% maximum I can pay.
 
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PayPal and credit cards protect the buyer from fraud, as they can reverse transactions in the event of fraudulent activity. Since you are specifically looking for a shop without this protection, I assume that your eBook is of low quality and you are aware of it. Maybe consider putting more effort into improving it.
 
Paabl0 said:
So I am looking for a place to sell my whitehat e-books where I don't need to connect my personal Stripe or PayPal account.
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Maybe on Amazon IDK about their fees though.

Payhip is a good alternative to Gumroad in terms of less transaction fees 5% and instant payouts (Gumroad does hold the payments for sometime).
However, you will need to integrate your own Paypal or Stripe.
 
Hello, with eBooks, if you have the licenses you can apply to bank though PSP and use your own merchant account for billing and re-billing your clients

Fees are like 2-5% depending if is high risk or low risk mid
 
Google "Gumroad alternatives". You'll find lots of Gumroad-type sites that charge fees lower than what Gumroad does. Explore them to find one that you like.

A few examples: Payhip, Rocketr.net, Tentary, Lemonsqueezy, Whop, Exlyapp.
 
MKSKS said:
Payhip is a good alternative to Gumroad in terms of less transaction fees 5% and instant payouts (Gumroad does hold the payments for sometime).
However, you will need to integrate your own Paypal or Stripe.
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I've explored Payhip, but they need a standard Stripe account not stripe express account. I can't open standard account from my country.
PayPal I don't wanna connect cause it doesn't accept all types of cards and the poor conversion rate. The conversion rate itself makes a huge difference in the payout amount.

soa0611 said:
Buymeacoffee.com
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This is actually a good one, any more similar alternative? BTW Why payoneer? I mean they have stripe express so I can directly withdraw to bank or you mean Payoneer only if I don't wanna involve my bank account?
Also Ko-fi doesn't have stripe express, they want standard Stripe or PayPal.

rodonet said:
A few examples: Payhip, Rocketr.net, Tentary, Lemonsqueezy, Whop, Exlyapp.
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Do we need to connect our own stripe/PayPal or they have their own or stripe express setup?

RealLikes24 said:
I assume that your eBook is of low quality and you are aware of it. Maybe consider putting more effort into improving it.
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How easy for you to pass such a comment without even reading the full post. Very helpful.
 
roydan said:
How about skrill for CC processing?
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First time hearing about this. Is it like Wise? But then Wise is for transferring from person A to Person B
Are you saying, I will have to intrigate Skrill somehow in my website to receive payments? Actually I worry about security of my website that's why I wanted to list it in merchant site.
 
Paabl0 said:
First time hearing about this. Is it like Wise? But then Wise is for transferring from person A to Person B
Are you saying, I will have to intrigate Skrill somehow in my website to receive payments? Actually I worry about security of my website that's why I wanted to list it in merchant site.
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It's just a credit card processor. It's not like wise, it's closer to a payment gateway you can see on ecommerce sites.
 
CCBill is good processor for anything, also adult, they work with US and EU entities... I start working with them like 20 years ago and still hitting hard until today.
 
Paabl0 said:
Expected around 500-1000 USD/month
Ebook is related to personal development
Click to expand...
Got it, So something really Minor
You should just use Shopify Payment in that case
 
DavidG1510 said:
Got it, So something really Minor
You should just use Shopify Payment in that case
Click to expand...
Do I need to host it in my website? Do I need to integrate my own Stripe/PayPal account or they have their own?
 
use lemonsqueezy, you dont need stripe or paypal, they handle it all hoever the clearing takes 2weeks.
They even support paypal and you get paid via bank transfer. Not sure if it is already mentioned
 
TMONEX said:
use lemonsqueezy, you dont need stripe or paypal, they handle it all hoever the clearing takes 2weeks.
They even support paypal and you get paid via bank transfer. Not sure if it is already mentioned
Click to expand...
Thanks. Is it truely 5% + 50¢ like they mentioned on their site or some additional fees for payout and credit card processing fee also there?

Also hope they don't have any record of blocking accounts frequently without any hard reason.
 
Paabl0 said:
Thanks. Is it truely 5% + 50¢ like they mentioned on their site or some additional fees for payout and credit card processing fee also there?

Also hope they don't have any record of blocking accounts frequently without any hard reason.
Click to expand...
If all you do is whitehat and refunds are processed when due. You won't have any trouble.

No additional charges. So far many people are switching to them since it is also a stripe partner platform.
 
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