Digital marketplace
Digital products, from independent sellers.
Guides, templates, calculators and design files, made by people who work here. Every product belongs to the seller who lists it. We are the venue and the payment layer, not the author.
Browse everything
17 products
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Instant download
The file is yours the moment you pay.
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No buyer fees
You pay the price on the listing, nothing else.
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Every listing reviewed
Checked by a person before it appears.
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Files kept private
Released only against a real purchase.
About
About payxem.shop
payxem.shop is an online marketplace for digital products, powered by independent creators, freelancers and small businesses from the emerging markets and beyond. Every listing here is a file you download the moment you pay. A spreadsheet that does the maths for you. A guide written by someone who has actually been through the process. A template pack that saves you a weekend of work.
We do not make, stock or resell any of it. Every product on payxem.shop belongs to the person or business who created it. They set the price, they own the work, and they are the seller you buy from. Our job is to give them a shopfront, and get the file into your hands without fuss.
This is a marketplace for the practical and the specific. Not another wall of stock templates, but the zakat calculator with the Nisab rules already built in, the freezone comparison written by someone who has filed the paperwork, the CV pack shaped for the market you are actually applying in.
How payxem.shop works
We put buyers and sellers in one place and keep what sits between them as thin as possible.
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Step 01
Browse
Browse by store, category or price.
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Step 02
See what is inside
Every product page shows you what is inside before you buy, because a digital file cannot be picked up and turned over.
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Step 03
Pay once and download
Pay once and the file is yours to keep, with no subscription, no licence renewal and no waiting for someone to email it across.
If you are selling
You can open a store from anywhere. Upload your file, write your listing, set your price, and once our team has reviewed it your store is live at your own address on payxem.shop. Your earnings land in your Payxem wallet, on the same payment rails that already move money for freelancers across these regions.
More about the marketplace
Why choose payxem.shop
Most digital marketplaces were built for buyers in North America and Europe, and everyone else was left to work around them. Prices in a currency you do not earn in. Payout methods that do not reach your bank. Guides written for a market you do not live in.
payxem.shop starts from the other end. It is built for the places that usually get served last, by a payments company that already works there.
Buyers pay the price on the listing and nothing else. No buyer fee, no service charge bolted on at checkout, no markup for paying by card. Sellers keep the rest, minus one clear commission of 9 percent plus 35 cents. That is the entire fee, all in. We pay the card processor out of our own share instead of passing it to you, so the number you see is the number you keep.
Small work, real money
A digital product does not need a warehouse, a courier or a second employee. It needs one good idea, written down properly, and somewhere honest to sell it.
That is what this is for. The accountant who built a better VAT template than the one everyone else uses. The designer whose social media pack keeps getting asked for. The consultant who has answered the same visa question two hundred times and finally wrote it all down.
What can you buy on payxem.shop
Digital files only. Nothing physical, nothing to ship, nothing to wait for.
Spreadsheets and calculators. Business and finance templates. Practical guides for setting up, moving, applying or filing. Planners and trackers. Social media and design packs. CV and career kits. Study material. Regional guides written for the UAE, the Gulf, South Asia and Africa, in the detail a general search will not give you.
How do I buy and sell on payxem.shop
Buying is quick. Find something, pay for it, download it. The file stays available in your purchases, so a lost laptop does not mean a lost product.
Selling takes a little longer, and on purpose. Open a store, choose the name buyers will see, upload your file and submit your listing. Our team reviews it before it goes live, so what is on payxem.shop is worth browsing. Once you are approved, your store keeps its own address and every product you add sits under it.
Reasons to trust payxem.shop
Every listing is reviewed by a person before it appears. Nothing goes live automatically.
Every uploaded file is fingerprinted, and a file already being sold by a different seller is refused. Your work cannot be quietly relisted by someone else.
Your store name is what buyers see. Your personal account details are never shown on a public page, and your store keeps the same address for as long as it exists, so a link you share today still works later.
Payments run on Payxem's own infrastructure, already handling live invoices and payouts for real businesses. Your money is not passing through an experiment.
Paid files are stored privately and released only against a real purchase. They are never sitting on a public link waiting to be found.
Sell your own work on payxem.shop
One clear commission of 9 percent plus 35 cents, all in. We pay the card processor out of our own share instead of passing it to you.