Progressive pricing page: tiered fees that reward growth

[gumclaw]

Summary

Replaces the current flat 10% pricing page with progressive tiered pricing.

Changes

Pricing page (/pricing)

• Hero: "Simple, transparent pricing" → "Progressive pricing that rewards growth"
• Replaces single "10% + $0.50" block with 4 tier cards:
  • First $100/mo → 30%
  • $100–$1K/mo → 12.5%
  • $1K–$5K/mo → 8.5%
  • $5K+/mo → 4.9%
  • Plus $0.50/transaction on all tiers
• Adds "What you actually pay" section with effective rate examples ($1K → 14.3%, $10K → 7.3%, $50K → 5.4%, $100K → 5.1%)
• Clarifies Discover marketplace 30% fee is separate
• Updates MoR section (removes outdated "Since January 1, 2025" language)
• Updates FAQ accordion with new fee details

New route: /pricing.md

• Serves pricing as plain markdown for AI agents and programmatic access
• Includes tier table, effective rates, Discover fees, tax handling, and payment processing notes

Meta tags

• Updated title/OG tags to reflect progressive pricing

Help center

• Updated article Community: Minor fixes re: user experience #66 ("Gumroad's fees") to match new tier structure

Before (current live page)

The current page shows a single "10% + $0.50 per transaction" alongside the 30% Discover fee.

After

The new page shows 4 progressive tier cards on a purple background, an effective rate calculator section, the Discover 30% fee, and updated FAQ.

Notes

• This is the pricing page only. The actual fee calculation backend changes would be in a separate PR.
• Tiers reset monthly, so every creator starts fresh each month.

[gumclaw]

Local Spec Results 🧪

Branch: gumclaw/progressive-pricing-page
Specs run: spec/controllers/home_controller_spec.rb
Result: 2 examples, 1 passed, 1 failed

Failure Analysis

Pre-existing infrastructure issue (1 failure):

• HomeController GET small_bets renders successfully fails with Shakapacker manifest not found (packs-test not compiled) — this is a known local env issue unrelated to PR changes.

PR-related: ✅ No failures related to this PR. The features_md spec passes. No specs exist yet for the new /pricing and /pricing.md routes added by this PR.