From a digital seller standpoint: I had been selling my family friendly digital items on payloadz for years. I was getting charged 12 bucks per month and never made that amount per month on my products. Someone suggested gumroad which is not only free, but also a more family oriented platform to sell my products. Easy platform to learn how to add digital products and now I can focus more on adding my products without paying monthly fees. Plus, you can download up to 16gb per product (a huge plus), and again, more family friendly platform (as I saw some nude/and adult oriented products on payloadz, but not on gumroads. Lastly, you can also sell via all major credit cards, not just PayPal. I will update my feedback when I start getting sales to let you know if I have had any issues. I do not have any review for buying on gumroad, so I cannot review that part of the platform.