ablefy (formerly elopage) is a sales platform for online courses, membership areas and digital products, either in your own name or in the reseller model. ioumi is a contract and payment platform: you create the offer and contract, your customer signs via e-signature, and payment and invoicing run automatically in your name. The two are closer to each other than other providers, which is why this page takes a particularly objective look at where the differences lie and what fits whom.
ablefy lets you choose: selling in your own name (you are the contracting party, invoice in your name) or the reseller model via namotto GmbH. ioumi has only one model: you are always the contracting party, with offer, contract, invoice, payment and customer portal in your branding.
ablefy sells courses, memberships and products through a checkout with payment plans. ioumi puts the contract before the checkout: an individual offer with your terms, eIDAS e-signature with audit trail, followed by automatic payment collection and invoicing. For standard products sold via a link, ioumi offers payment links.
With ablefy, you create payment plans per product, with due dates for each installment, and the customer chooses in checkout. With ioumi, the payment plan is agreed per offer: down payment, installments, subscription, mixed forms, due on signature, at contract start, on a set date or triggered manually.
Objectively verifiable criteria, as of August 19, 2026. Where ablefy has two models, the answer refers to selling in your own name; differences in the reseller model are noted. Sources: ablefy's pricing page and help center, plus the ioumi pricing page (links at the bottom of the page).
| Criterion | ioumi | ablefy |
|---|---|---|
| You are the seller and contracting party for your customers | Yes | Yes only when selling in your own name |
| Invoice to the customer in your name | Yes | Yes only when selling in your own name |
| Individual offers with your own contract terms and T&Cs | Yes | No |
| E-signature with audit trail (eIDAS-compliant) | Yes | No |
| Payment links and checkout for standard products | Yes | Yes |
| Payment plans: one-time payment, installments, subscription, multiple plans per product | Yes | Yes |
| Set a due date for each installment | Yes | Yes |
| Payment plan per customer in the contract: down payment plus balance, mixed forms | Yes | No |
| Due dates via trigger: on signature, contract start or manually | Yes | No |
| Customer portal in your branding | Yes | Yes white label only in your own name |
| Course, membership and community area | No access unlocked via automation | Yes |
| CRM integration, API and webhooks | Yes | Yes |
| The provider handles VAT and complaints for you | No | Yes only in the reseller model |
| Monthly base fee | from €0 per month | €39 to €549 per month |
| Transaction fee | from 2.9% + €0.50 depending on plan | 1 to 3.9% + €0.50 depending on revenue and transaction size (reseller 1.5 to 7.5% + €1), Klarna + 2.9% |
| Payout | weekly, after 7 days | in your own name, available after 7 days or more; reseller 1 to 2 × per month |
Fees are only part of the picture, but one you can check. Here are two typical months based on the public terms (as of August 19, 2026, excluding payment method surcharges and VAT). For ablefy, we use the plan and fee tier that apply in practice at this revenue, in both models; for ioumi, the cheapest plan:
ablefy
Advanced 3.0, selling in your own name, “Growth” tier, installments up to €500
Fees
per month€873
ablefy
Advanced 3.0, reseller model, “Growth” tier, installments up to €500
Fees
per month€1,737
ioumi
Scale plan, the cheapest plan at this volume
Fees
per month€1,019
On fees alone, ablefy in your own name comes in €146 per month below ioumi here, and the reseller model €718 above. From this volume, ioumi offers Custom pricing: terms per payment method, tailored to your business.
ablefy
Pro 3.0, selling in your own name, “Expansion” tier, installments €1,500 to €5,000
Fees
per month€2,157
ablefy
Pro 3.0, reseller model, “Expansion” tier, installments €1,500 to €5,000
Fees
per month€3,993
ioumi
Scale plan, the cheapest plan at this volume
Fees
per month€3,095
On fees alone, ablefy in your own name comes in €938 per month below ioumi here, and the reseller model €898 above. At this volume, we work with Custom pricing: terms per payment method, agreed individually; in the demo call, we'll go through your numbers.
Calculated with net amounts and the ablefy pricing matrix (fee tier based on gross revenue over the last 12 months and transaction size; Essential 3.0 charges a flat 3.9% or 7.5%, and new sellers start in the “Seed” tier with higher rates). With ablefy's own payment methods, processing is included in the fee, while your own PayPal or Stripe account and Klarna (+2.9%) cost extra. In practice, percentage fees are charged on the gross amount.
To be honest: if you sell in your own name and move up the ablefy pricing matrix as your revenue grows, you'll pay lower fees with ablefy than with ioumi; in the reseller model, it's the other way around. The difference between the two isn't the price but the product: with ioumi, every payment is preceded by an individual offer with a contract and e-signature, the payment plan is agreed per contract, and commissions for your team are tracked. If you need that, compare the fees with what you'd otherwise spend on extra tools and manual work. And above a certain volume, ioumi's list prices are only the starting point anyway: with Custom pricing, we agree on terms per payment method individually.
To be fair: ablefy is a good fit if you sell online courses, membership areas, communities or tickets and want hosting, marketing integrations and the choice between selling in your own name and the reseller model. ioumi is built for offers that come out of a conversation: coaching, consulting engagements, agency projects and retainers, with a contract, signature and automatic payment in your name. ioumi doesn't host course content, but it unlocks access via automation after payment.
We go through your offers, payment plans and requirements and figure out together whether ioumi is right for you. 30 minutes, no obligation.
We set up your account alongside ablefy: importing customer and product data, setting up branding, T&Cs and contract templates, defining payment plans and connecting your CRM and course platform via automation.
New deals and payment links run through ioumi, while existing ablefy payments run out there. We support you personally until everything is up and running.
The contract. With ablefy, you sell products through a checkout, including in your own name. With ioumi, every payment is preceded by an individual offer with your contract terms, which your customer signs via eIDAS e-signature; the payment plan, collection and invoice then run automatically from the signed contract.
No, ioumi doesn't host course content. ioumi takes care of the contract, payment and invoice and, after payment, unlocks access in your course platform via automation, webhook or integration. That's why many people use ioumi for selling and their existing course platform for hosting.
ablefy creates payment plans per product: one-time payment, subscription, limited subscription, installments, with due dates for each installment; the customer chooses in checkout. ioumi sets the payment plan per offer, i.e. individually for each customer: down payment plus balance, installments, subscription, mixed forms, due on signature, at contract start, on a set date or triggered manually. For standard products, ioumi offers payment links with selectable options.
Ongoing ablefy payments run out there. You start new deals and payment links in ioumi. If needed, you can offer existing customers with open installments a new plan in ioumi, which the customer confirms once. We import customer and product data as far as it can be exported.
It depends on the model: in your own name, ablefy is usually cheaper on fees alone; in the reseller model, ioumi is cheaper. ablefy has a base fee from €39 and, in your own name, charges 1 to 3.9% + €0.50 per payment, tiered by revenue and transaction size; in the reseller model, 1.5 to 7.5% + €1. ioumi starts at a €0 base fee with 6.9% + €1.50 and drops to 2.9% + €0.50 on the Scale plan. If you sell in your own name and move up the ablefy matrix, you'll pay lower list fees there; in return, ioumi gives you a contract, e-signature and a payment plan per offer, plus Custom pricing with terms per payment method above a certain volume. The sample calculations above show two typical months as of August 19, 2026.
Yes. The systems are independent. You can keep courses and membership areas running at ablefy and handle individual offers, contracts and payment links through ioumi.
Information about ablefy is based on the provider's publicly available documents; a cross in the table means the feature is not provided there. Prices and terms may change, and we review this page regularly. Please report any discrepancies to hallo@ioumi.com and we'll correct them promptly. The provider's current terms always take precedence.
ablefy is a trademark of ablefy GmbH. It is named here for an objective comparison only; there is no affiliation between ioumi and ablefy. More comparisons: CopeCart alternative, Digistore24 alternative, all comparisons.
With ioumi, you take offers, contracts and payments to a new level: automated, professional and easy to understand for you and your customers. Let us show you in a personal demo call.