Account not reviewed yet (payouts skipped)
21 days · not stated (Gumroad gives a range, no start date)Gumroad says the review can take 1 to 3 weeks, typically 3-4 sales with a balance over US$100. Payout days before the account is marked compliant are skipped; the balance stays on the account.
“The review process can take 1-3 weeks depending on your sales and the data we can analyze.” Source: gumroad.com/help/article/13-getting-paid
Normal weekly payout is late
7 days · date the payout was due on your payout dayCreators are typically paid once a week; a payout covers sales up to the previous Friday and the sale must be at least 7 days old. If a payout is delayed by more than one week, Gumroad asks you to e-mail.
“If yours is delayed by more than one week, please email us.” Source: gumroad.com/help/article/281-payout-delays
Bank or PayPal blocks the payout
56 days · date of the first payout the bank rejectedIf your bank is not yet in the payment partner's records (for example a new account), Gumroad re-checks once a week for up to 8 weeks.
“we re-check once a week for up to 8 weeks” Source: gumroad.com/help/article/281-payout-delays
Payouts paused (verification, security review or own pause)
No fixed term publishedNo length stated. Payouts may be paused if identity or business verification is incomplete, or by the Gumroad administrator for a security review or unusual activity.
“Payouts may be paused by our payment processor if you have not completed your account's identity or business verification.” Source: gumroad.com/help/article/281-payout-delays
Chargeback rate above 1% or high chargebacks
45 days · date of the suspension or pausePayouts are paused automatically above 1% chargebacks and re-checked daily. For a suspension for high chargebacks Gumroad holds the balance, usually 30-45 days, as an estimate and not a promise.
“the hold usually lasts 30-45 days” Source: gumroad.com/help/article/160-suspension
Account suspended (Terms, fraud risk or partners)
No fixed term publishedNo fixed hold period for holds under ToS 11.3(c). Gumroad releases held funds when the basis for the hold is resolved to its reasonable satisfaction and the payment partners permit the payout.
“no fixed or maximum hold period applies to a hold under this Section 11.3(c)” Source: gumroad.com/terms
Refund rate above 15% (rolling reserve)
90 days · date of each sale (rolling)Above a 15% refund rate Gumroad may hold 25% of funds in reserve for 90 days on a rolling basis; above 25% the account may be suspended.
“hold in reserve an amount equal to 25% of Supplier's funds pending settlement or not yet paid to you (as applicable) for 90 days on a rolling basis” Source: gumroad.com/terms
Dispute with Gumroad that stays unresolved
45 days · date Gumroad receives the NoticeInformal dispute process: written Notice by e-mail; Gumroad responds in writing within 45 days unless extended; the process ends at the earlier of resolution or 60 days after receipt. This is a condition before arbitration.
“Gumroad will respond to the Notice in writing within 45 days after receiving it” Source: gumroad.com/terms
- this weekWrite the Notice to [email protected] with name, telephone, address, account e-mail, counsel (if any) and a description of the Dispute.Source: gumroad.com/terms
- after the dateDay 45 is the response date; day 60 ends the informal process. Section 25 (arbitration, class waiver, 30-day opt-out) is binding text - read it first.Source: gumroad.com/terms