Gumroad is probably the easiest if your priority is speed and simplicity. You can get products live fast without spending weeks setting things up.
Stan and Beacons feel more creator-oriented to me, especially if most of your traffic comes from TikTok or Instagram and you want everything connected to your content funnel more tightly.
A lot of people eventually migrate away from all-in-one creator platforms once they want more control over branding, email flows, upsells, and customer ownership, but for getting started they’re usually enough.
For banking, I’ve heard good things about Found from solo creators because the bookkeeping/tax side is less painful. Novo seems popular with online businesses too because it’s lightweight and easy to set up. Traditional banks still feel more stable long term, especially once revenue becomes more serious, but they’re usually less optimized for internet-business workflows.