Just throwing my 2c in - I've just moved from Payhip to a more dedicated stack (Github Pages + Cloudflare for frontend, Polar as MoR / processor).
I've had a positive experience so far, very easy to setup and the API lets me run sales by just pushing an update to a config.json file - the Github actions & Cloudflare workers take it from there. They use Stripe for payment processing so it's pretty straightforward.
Payhip was a great alternative to Gumroad, but over time I found their load speeds were getting slower and slower. I'm not sure what the reason is, but I had page loads of up to 20 seconds (simple home pages, it wasn't a content issue). This included checkout and was likely inflating bounce rates like crazy. They also have limited metrics / analytics, and my entire site was basically HTML injected so I didn't need the page editor / designer tools.
Now everything is hosted on Cloudflare and I get sub 1s page loads, the Polar checkout is just an iframe.
When it comes to Trustpilot reviews - be aware that a lot of people try and use Polar, Payhip etc to sell lazy, low-effort products like e-books, .pdfs etc. They then promptly get banned from the platforms and then leavy a crybaby negative review saying they got scammed.
This was a very recent move, so I haven't completed a payout yet through Polar, but I've been in contact with their support (had to verify my ID and the Stripe ID checker wasn't working on my old ass Australian ID card) - they replied within 48 hours both times and the communication was crystal clear.
@dannytaurus said in Payment providers compared:
Whether Polar charge their 50¢ on a free ($0) download. None of them says. If you give away a lot of free products, ask first.
I've had a few hundred free product downloads over the last week or so - no fees from what I can tell. There's not even a payment form for free products or 100% discount codes: free is free.
The one sort of "downside" I guess is there's only checkout embeds, no cart / add-to-cart (you'd have to roll your own). And no Paypal from what I can tell, I'm not sure how big of a deal that is - Amazon doesn't use Paypal.
If I do come across any negative experience I'll update this post, but so far Polar has been great all around. I've just requested my first payout (only $50) and their docs say they can take up to 2 weeks which isn't a big deal really. Larger payouts might take longer.