Creem

Creem is a payments platform for SaaS and indie software, with merchant-of-record support, subscriptions, revenue splits, and digital product checkout. 3.9% + $0.40.

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Overview

Creem is a payments platform for SaaS and indie software businesses. The site positions it as a complete system for selling globally, combining payments, taxes, compliance, revenue splits, subscriptions, and customer-facing tools in one product.

It is presented as a merchant of record, which means Creem handles tax paperwork, VAT and sales tax filing, remittance, and related compliance work while sellers focus on their product and checkout flow. The pricing page states a single rate of 3.9% + $0.40 per successful transaction, with no monthly fees, setup fees, or hidden charges listed.

Features

Merchant of record and tax handling

Use Creem as a merchant of record so the platform handles tax paperwork, VAT and sales tax filing, and remittance for software sales.

Simple transaction pricing

Charge a single rate of 3.9% + $0.40 per successful transaction with no monthly fees, setup fees, or hidden charges listed on the pricing page.

Revenue splits and payouts

Split revenue between co-founders, affiliates, sales commissions, contractors, or partners and route funds to bank accounts or USDC wallets.

Subscription and billing tools

Manage subscriptions with seat billing, proration, smart dunning, scheduled actions, invoices, and customer self-service portals.

Digital product checkout tools

Sell digital products with license keys, discount codes, file downloads, and private notes shown after purchase.

Developer workflow support

Use developer tooling such as an SDK, REST API, webhooks, Next.js templates, and AI-ready docs for integration work.

Use Cases

Sell SaaS subscriptions globally
Launch a checkout flow for a SaaS product and let Creem handle payments, taxes, and subscription management in the same system.
Share revenue across teams and partners
Set up revenue splits for co-founders, partners, affiliates, or contractors and route payouts to bank accounts or USDC wallets.
Run a digital product storefront
Sell digital goods such as software licenses, file downloads, discount-based offers, and post-purchase notes without stitching together multiple tools.
Integrate payments in a developer workflow
Use the SDK, API, webhooks, and templates to integrate payment flows into an app or AI-assisted development workflow.
Evaluate payment processing costs
Compare payment costs across providers with the calculator pages before deciding whether to move from Stripe, Paddle, Lemon Squeezy, or Gumroad.

Pros and Cons

Pros

Single published transaction rate with no monthly fees on the pricing page.
Merchant of record positioning includes tax compliance, filing, and remittance.
Broad checkout and billing coverage for subscriptions, revenue splits, license keys, and digital downloads.
Developer-oriented tooling includes SDKs, webhooks, REST API examples, and templates.
Support channels on the site include live chat, email, Discord, and booking a demo.

Cons

The public pages do not fully document setup steps, integrations, or every API/workflow detail.
Some features are presented without complete public limits or implementation specifics on the pages provided.

FAQ

What does Creem do?

Creem is positioned as a merchant of record and payment platform for software sellers. The source says it handles payments, taxes, compliance, subscriptions, revenue splits, payouts, and customer self-service tools.

How does Creem price its service?

The pricing page states Creem charges 3.9% + $0.40 per successful transaction and does not add monthly fees, setup fees, or hidden charges.

Does Creem offer developer integration tools?

The site shows developer-oriented integration examples, including an SDK, webhooks, REST API endpoints, and Next.js templates. It also says Creem is built for developers and supports AI-ready docs and an MCP server.

What kinds of workflows can Creem support?

Creem presents features for global payments, tax compliance and remittance, subscriptions, customer portals, license keys, discount codes, file downloads, and revenue splits. The source does not provide a complete public list of every workflow or product limitation.

Can I get help before or after signing up?

The source mentions contact options for booking a demo, partnerships, refunds, and subscription cancellation. Specific implementation and account setup steps are not fully detailed on the pages provided.

Quick Facts

Category: Payments platform
Primary users: SaaS builders and indie software sellers
Business model: Merchant of record
Pricing: 3.9% + $0.40 per successful transaction
Source domain: creem.io
Notable tools: SDK, webhooks, REST API, templates