# Dodo Payments vs Gumroad: which do AI models recommend for merchants of record, October 2026

Finance AI Recommendation Index, October 2026 Edition, Merchants of record. Zero of fourteen models named Dodo Payments first on the direct prompt; zero named Gumroad. Page: https://finance-ai-index.com/receivables/merchants-of-record/dodo-payments-vs-gumroad/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Dodo Payments | 5% | #6 of 10 | 0% | 17 | 11 of 14 |
| Gumroad | 2% | #8 of 10 | 50% | 22 | 12 of 14 |

## The direct prompt, model by model

- Claude Haiku 4.5: neither named (first choices: FastSpring) (alternatives: Cleverbridge, Paddle, PayPro Global)
- GPT-5.4 mini: neither named (first choices: FastSpring) (alternatives: Paddle)
- Gemini 3.5 Flash: neither named (first choices: Cleverbridge) (alternatives: FastSpring, Paddle, PayPro Global)
- Perplexity Sonar: neither named (first choices: Cleverbridge) (alternatives: Paddle)
- Grok 4.1 Fast: neither named (first choices: Cleverbridge) (alternatives: FastSpring, Paddle)
- Mistral Small: neither named (first choices: Cleverbridge) (alternatives: 2Checkout, Paddle)
- DeepSeek V4 Flash: neither named (first choices: Cleverbridge) (alternatives: 2Checkout, Paddle)
- Llama 4 Maverick: neither named (first choices: Cleverbridge, Paddle)
- Qwen 3.7 Flash: neither named (first choices: FastSpring, Paddle) (alternatives: Verifone)
- Kimi K2: neither named (first choices: Paddle) (alternatives: FastSpring, PayPro Global)
- GLM 4.7 FlashX: neither named (first choices: Cleverbridge, Paddle) (alternatives: FastSpring)
- MiniMax M2.5: neither named (first choices: Cleverbridge) (alternatives: FastSpring, Paddle, PayPro Global)
- GPT-6 Luna: neither named (first choices: Paddle) (alternatives: FastSpring)
- Muse Glimmer 30B: neither named (first choices: Paddle) (alternatives: Cleverbridge, FastSpring, PayPro Global)

## What the models said about Dodo Payments

- "Lowest published headline rate: Dodo Payments... Try Dodo if your priority is the lowest published fee" (GPT-6 Luna, budget prompt, first choice)
- "Dodo Payments looks like the strongest low-budget option at 4% + 40¢ with no monthly fees" (Perplexity Sonar, budget prompt, first choice)
- "the best merchant of record for a company with a limited budget is Dodo Payments" (GLM 4.7 FlashX, budget prompt, first choice)

## What the models said about Gumroad

- "Important Note: Avoid Gumroad ... Gumroad is significantly more expensive for a budget-conscious company." (Qwen 3.7 Flash, budget prompt, hard negative)
- "For Stability: Avoid Gumroad if you need predictable T+1 payouts." (Qwen 3.7 Flash, negative prompt, hard negative)
- "Avoid for tiny budgets: ... Gumroad (8-10%)" (Grok 4.1 Fast, budget prompt, hard negative)
- "such as Freemius, Gumroad, Lemon Squeezy, or Whop" (Llama 4 Maverick, budget prompt, first choice)
- "Lowest-Risk Option for Testing: Gumroad ... Caveat: Much more expensive at scale." (Kimi K2, budget prompt, alternative)
- "Gumroad is especially simple, but its Discover fee is substantial." (GPT-6 Luna, comparative prompt, alternative)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.