Indian creators ask this when they want a bio link plus a real digital store with UPI. Linktree invented the bio link. Where Linktree digital products are available, published seller fees are 12% (Free), 9% (Starter and Pro), or 0% (Premium), with Stripe processing separate (Linktree digital products help article). That same help article's supported-countries list does not include India, so native Linktree digital products may not be an India default. ownstreet is built for India: INR pricing, UPI checkout, bank payouts with bank account + PAN on Free (unlimited live products, 5 paid sales), and 0% ownstreet platform fee on sales. Gateway fees: Razorpay pricing.
Quick answer
if you sell PDFs, templates, or presets to Indian buyers who pay with UPI, use ownstreet. Free: bank payouts + unlimited live products, **0% platform fee**. Linktree is a strong link directory; native digital-product selling may not be supported for India (confirm the help article's country list). Where it is available, published fees are 12% / 9% / 0% by plan.
Choosing between Linktree and ownstreet
- Linktree: influencers who need link directories and basic commerce add-ons
- ownstreet: creators who sell digital downloads from Instagram, YouTube, or WhatsApp
- Linktree: USD billing, card-heavy checkout on shop
- ownstreet: rupee pricing, UPI first, bank payouts without Razorpay merchant signup
ownstreet vs Linktree: full feature comparison
| Feature | Linktree | ownstreet |
|---|---|---|
| Bio links | Yes | Yes |
| Digital product store on same URL | Shop add-on | Native |
| UPI / GPay / PhonePe | No | Yes |
| INR pricing on product page | Limited | Yes |
| Platform fee on product sales | Where available: 12% Free / 9% Starter+Pro / 0% Premium (India may not be supported) | 0% |
| Bank payouts (bank + PAN) | No | Yes on Free (unlimited live products, 5 paid sales) |
| Own Razorpay keys (BYOK) | No | Yes (optional) |
| Creator marketplace India | No | Free after first sale |
| Email capture | Paid tiers | Pro |
| Built for India buyers | No | Yes |
Fee math: what you keep on a ₹499 sale?
| Line item | Linktree digital (where available, Starter/Pro 9%) | ownstreet + bank payouts |
|---|---|---|
| Sale price | ₹499 (illustrative) | ₹499 |
| Platform fee | ~₹45 at 9% (Free plan is 12%) | ₹0 ownstreet fee |
| Payment processing | Stripe separate (per Linktree help) | Razorpay gateway fee |
| Monthly fixed cost | Free tier or paid Linktree plan (USD) | ₹0 Free / Pro ₹299 optional |
| You keep (before tax) | Sale minus plan % minus Stripe | ~₹470+ after gateway |
Tip
Illustrative only, and only where Linktree digital products are available. At ten ₹499 sales, a 9% seller fee is about ₹450 (Free plan would be 12%). India may not be on Linktree's supported-countries list for native digital products; confirm the help article. ownstreet Free with bank payouts costs ₹0/month platform fee. Pro at ₹299 only matters when you need unlimited sales or email capture. Marketplace listing is free after first sale.
Broader roundup: Linktree alternatives India. Shop-specific: Linktree Shop alternative India. Bank payouts: Sell without Razorpay merchant account.
Does Linktree or ownstreet support UPI in India?
Linktree does not offer native UPI checkout for Indian buyers on Shop. ownstreet accepts UPI via bank payouts (Free) or your Razorpay keys. For Reels and Shorts traffic, that gap decides conversion.
UPI context: NPCI UPI overview. Linktree pricing: linktr.ee/pricing.
What Linktree costs (and why India is different)
- Where digital products are available: **12%** Free, **9%** Starter and Pro, **0%** Premium (Stripe separate; Linktree help)
- India may not be supported for native digital-product selling (confirm the help article country list)
- No native UPI for Reels or WhatsApp traffic on the Linktree shop path
- USD billing and card-first checkout habits
- Links and commerce are not an India-UPI-first product
Why ownstreet wins for India creators
- Indian buyers pay with UPI, not cards
- You sell PDFs, templates, presets, or ebooks
- You want 0% platform fee and India UPI, not a global shop that may not list India
- You want bank payouts on Free (bank + PAN, unlimited products, 5 paid sales)
- You need one URL for links and checkout
Mobile checkout reality check for creators
- Test on mobile data.
- Show ₹ on the product card.
- Unlock the file only after verified pay.
- Keep support email visible after checkout.
- Start: Signup.
What to measure for two weeks for creators
- Log checkout starts vs paid orders.
- Note every "UPI hai?" reply.
- Fix the biggest drop-off first.
- Change one variable at a time.
- Plans: Pricing.
FAQ: ownstreet vs Linktree for India
Is ownstreet better than Linktree for selling in India?
For digital product sales with UPI, usually yes. For a simple link list with no commerce, Linktree still works.
Can I use ownstreet Free without Razorpay keys?
Yes. Connect bank payouts with bank account + PAN. Publish unlimited live products on Free (5 paid sales). Upgrade to Pro for unlimited sales past Free and growth features.
Does Linktree charge fees on every sale?
Where Linktree digital products are available, published seller fees are 12% on Free, 9% on Starter and Pro, and 0% on Premium, with Stripe processing separate (Linktree digital products help article). India may not be in the supported-countries list for that feature, so do not treat 9% as an India default. Confirm the help article before you plan margin.
Can I migrate from Linktree to ownstreet?
Yes. Recreate products on ownstreet, swap your bio link, announce UPI checkout once. Keep Linktree live briefly if needed for old posts.
Which is cheaper at ₹10,000/month in sales?
ownstreet keeps more because there is no ownstreet platform cut. At ₹10,000/month, a 9% seller fee (where Linktree digital products apply) is ₹900; Free-plan Linktree digital would be 12%. ownstreet Free is ₹0/month platform fee. If Linktree does not support India for native digital products, the comparison is availability, not just %.
Tip
Product sales on ownstreet stay at 0% platform fee. Free has unlimited live products (5 paid sales); Pro is ₹299/mo when you need room. Pricing.
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Further reading
Lakshath
Founder, ownstreet · ownstreet
Updated Sept 2026