KeepCAD 2026: What Canadian Sellers Actually Keep on Gumroad, Payhip, Polar, Lemon Squeezy, Paddle, Stripe and Etsy

You set a price. The platform takes its cut, the card processor takes its cut, the money sits in a hold, and then there is GST/HST to think about. Most Canadians selling a first digital product or small service find out what actually lands in the account only after the first sale. KeepCAD 2026 works it out before.

WHAT YOU GET

An offline calculator. Open it in any browser, enter a price, and it prints your take-home like an adding-machine tape for each platform. No account, no upload, no tracking.

A PDF guide on starting from nothing, Merchant of Record versus selling as yourself, the CRA small-supplier rule, when the money actually lands on each platform, what a refund or dispute costs you after the sale, and a decision tree for picking a platform.

An offline GST/HST worksheet, a CSV of the full comparison table for Excel or Google Sheets, and a short readme.

WHAT IT COMPARES

Gumroad, Payhip, Polar, Lemon Squeezy, Paddle, Stripe Payment Links for Canada, and Etsy. Fees, fixed charges, card processing, Canada-specific surcharges, payout timing, listing fees, who handles GST/HST, and what a refund or dispute still costs.

Every figure is dated 20 September 2026 and sourced to each platform's own pages and to the CRA, so you can check it yourself.

WHAT IT IS NOT

Not tax, legal or accounting advice. Not affiliated with any platform named. Rates change, so recheck the official page before you open an account.

CAD $9, delivered immediately after payment. If the calculator or the PDF will not open, get in touch and it will be replaced.