Hey! I'm founder and CTO at salduu.com, very similar to Gumroad, but our focus is giving emerging markets more access to digital products by adding local payment methods. 

We already have nearly 200 payment methods in Latin America, plus Paypal for the rest of the world. Once you register, The store is ready to use, you don't need to connect any payment method, we provide them for you.

We don't have recurring payments yet if that's your use case.

I can give any of you 4% commission instead of 9% that Gumroad has if you want to sell anything. (just register and publish your store url here)

Give it a try and let me know!