Product limits
Payly sets no product limit of its own. Cloudflare's free plan covers about 1,500 products with a photo each, and about 5,000 visitors a day. Orders, customers and subscriptions are never limited.
No monthly fee · No transaction fees · No commission
Free ecommerce website builder with no transaction fees
Payly is a complete online store, free to use. Customers pay your own PayPal or Stripe account, and Payly never takes a cut of your sales.
Official PayPal & Stripe partner · Over 70,000 eCommerce sites powered by our company software · Building since 2014
Is Payly really free?
Yes. Payly has no monthly fee, no transaction fee and no commission. There is no paid plan, no trial that ends and no feature held back for a higher tier.
Payly can work this way because it is an official PayPal and Stripe partner, and that partnership lets Payly run the platform without charging you. Your store is hosted in your own free Cloudflare account, so there is no hosting bill for Payly to pass on.
The costs that remain, and who charges them
| Cost | Who charges it | What to know |
|---|---|---|
| Payly | Nobody | $0. No monthly fee, no transaction fee, no commission. |
| Payment processing | PayPal or Stripe | Their standard fee on each payment, the same as on any platform. Payly adds nothing to it. |
| Hosting | Cloudflare | Your store runs on Cloudflare's free plan. Most stores never need more. If yours does, Cloudflare's paid plan is $5 a month, paid to Cloudflare. |
| Domain name (optional) | A domain registrar | Every store gets a free address. Your own name, such as example.com, usually costs about $10 to $20 a year. Connecting it to Payly is free. |
PayPal and Stripe publish their rates on their own pages: Stripe pricing and PayPal business fees.
Product limits, domains and payments
Your own domain
Connect a domain you own from Settings > Domain at no charge. Payly sets it up in your Cloudflare account, and you only change two nameservers where you bought it.
Payment methods
Customers pay by card through Stripe, or with PayPal. PayPal can also show Pay Later, Venmo and PayPal Credit, depending on the customer. The money goes straight to your account, and Payly never holds it.
What a year of selling costs on each platform
The same store everywhere: $2,000 a month in sales, $24,000 a year, with an average order of $50. Card processing is counted on every row, because every store pays it.
| Platform and plan | Plan, per year | Platform fee on sales | Card processing | Total for the year |
|---|---|---|---|---|
| Payly | $0 | None | $840 | $840 |
| Big Cartel Platinum (up to 50 products) | $144 | None | $840 | $984 |
| WooCommerce, with hosting at $25 a month | $300 | None | $840 | $1,140 |
| Shopify Basic | $348 | None with Shopify Payments | $840 | $1,188 |
| Wix Core | $348 | None on product sales | $840 | $1,188 |
| Squarespace Core | $348 | None | $840 | $1,188 |
| Etsy | $0 | $1,578 (6.5% transaction fee, plus listing fees) | $840 | $2,418 |
Card processing is 2.9% + 30¢ per order on every row: Stripe's standard US rate, which Shopify Payments, Wix Payments, Squarespace Payments and WooPayments also charge. Etsy charges 3% + 25¢, which comes to the same $840 here. With PayPal instead of Stripe, the card processing column would be $1,073 on Payly and on the other platforms that accept PayPal. Plans are billed yearly, the lowest price each company offers. Shopify charges another 2% if you use a processor other than Shopify Payments. Squarespace Basic costs less per year ($228) but adds a 2% fee on sales ($480 here), so its total is higher: $1,548. Etsy's listing fees count 30 listings renewed every four months, and leave out Offsite Ads and listings renewed after a sale. Big Cartel's free plan allows 5 products. Apps, themes and domains are not counted. Prices as published by each company for the US in October 2026.
Payly is not much cheaper than everyone because of the card fees, which every store pays. It is cheaper because it costs nothing on top of them.
Who Payly is best for
- Small shops starting out. Open a store without a monthly bill eating into your first sales.
- Makers, artists and small brands. Sell more than a handful of products without paying for a bigger plan.
- Digital products and subscriptions. Downloads, subscriptions and memberships are included, with no app to buy.
- Sellers leaving a platform with fees. Import your products from Shopify, Etsy, Wix, Squarespace or WooCommerce.
See a real Payly store
Click around a working demo store, then pick a free template for your own.
Open your store in an afternoon
-
Create your free account.
No credit card.
-
Pick a template
and add your products.
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Connect your PayPal or Stripe account
and your free Cloudflare account.
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Publish.
Your store is live, and every sale goes straight to you.
Honest answers
Is Payly really free?
Yes. There is no monthly fee, no transaction fee and no commission. PayPal and Stripe charge their standard processing fees on each payment, as they would on any platform.
How does Payly make money?
Payly is an official PayPal and Stripe partner, and that partnership lets Payly run the platform without charging you. Your money never passes through Payly.
Do I need a credit card to sign up?
No. Payly and Cloudflare do not ask for a card when you sign up.
Is there a product limit?
Payly sets none. Cloudflare's free plan covers about 1,500 products with a photo each. If you need more, Cloudflare's paid plan is $5 a month, paid to Cloudflare, and Payly stays free.
Does a custom domain cost extra?
Connecting one is free. You pay only the registrar you buy the name from.
What happens if my store gets very busy?
Cloudflare's free plan covers about 5,000 visitors a day. If you reach the daily limit, your site stays online and you are not charged, but shop pages and checkout pause until midnight UTC. Cloudflare's $5 paid plan removes that worry.
Can I move my store from another platform?
Yes. Payly imports products from Shopify, Etsy, Wix, Squarespace and WooCommerce.
Keep every dollar Payly would have charged
Your store, your domain, your payment account, your customers. Set it up in an afternoon and keep every dollar you earn.
Start buildingNo credit card · No paid tier · No trials