Merchant-of-record payments
Creem processes customer payments and manages tax calculation, collection, filing, and remittance, invoices, fraud screening, refunds, and chargebacks for sales made through the platform.
Creem
Freemium
Creem is a payments and monetization platform for software, SaaS, AI products, and other digital goods. It combines checkout, usage billing, merchant-of-record services, partner payouts, and sales operations in one platform.
What is Creem?
Creem is a payments and monetization platform for software, SaaS, AI products, and digital goods. It provides checkout, payment collection, billing, merchant-of-record services, taxes, invoicing, fraud protection, chargeback handling, payouts, and sales attribution in a single system.
As merchant of record, Creem manages tax calculation, collection, filing, and remittance for transactions, and handles refunds and chargebacks on the seller’s behalf. The platform supports customers in more than 190 countries and accepts major cards along with PayPal, Apple Pay, and Google Pay. Payouts are processed on the 1st and 15th of each month to a bank account or USDC wallet, subject to the payout method’s arrival time.
For monetization, sellers can use subscriptions, free trials, discounts, seat-based billing, prepaid credit wallets, usage-based pricing, and custom meters. Usage can be priced by units such as tokens, images, minutes, API calls, compute jobs, storage, or active seats. Affiliate programs, revenue splits, short links, and conversion tracking cover partner and attribution workflows alongside payment collection.
What can Creem do?
Usage and subscription billing
Configure subscriptions, free trials, discounts, seat-based plans, prepaid credit wallets, per-unit pricing, allowances, caps, and custom meters. Usage can be tracked by customer and billing period.
Global checkout and payouts
Accept major credit and debit cards, PayPal, Apple Pay, and Google Pay from customers in more than 190 countries. Payouts are scheduled twice monthly to a bank account or USDC wallet.
Affiliates and revenue splits
Create affiliate programs, assign product- or affiliate-specific commissions, and automatically route portions of a sale to partners, co-founders, contractors, or licensors.
Attribution and conversion tracking
Use short links and QR codes to measure clicks and checkouts, with available controls for password, geographic, and device targeting.
API and agent-operated workflows
The dashboard’s capabilities can be accessed through the API, SDKs, CLI, webhooks, and MCP server. The site documents test-mode product creation, checkout setup, and event-driven store monitoring through an AI agent.
Use Cases
“Launch a SaaS or AI product”
A developer can create a product, configure a checkout, and test the setup before accepting live payments. Subscription, trial, discount, and usage-based options support products that charge for access or consumption.
“Charge for metered consumption”
An API, AI application, or compute service can sell prepaid credits or bill by tokens, requests, minutes, jobs, storage, or active seats. The application sends usage events while Creem performs the counting and billing.
“Sell internationally without building tax operations”
A digital-product business can use Creem as its merchant of record to sell across international markets while outsourcing tax handling, invoicing, fraud screening, refunds, and chargeback administration.
“Run partner and affiliate sales”
A creator or software company can recruit affiliates, track referral activity with links or QR codes, set commissions, and pay partners from the same balance used for other revenue splits.
“Operate a store through an AI agent”
Teams using Claude Code, Cursor, Claude Desktop, a Slack bot, or another MCP client can connect the Creem MCP server and ask an agent to create products, generate checkout links, inspect store events, create discount codes, issue refunds, or produce billing-portal links.
Frequently Asked Questions
What does Creem charge?
Standard pay-as-you-go pricing is 3.9% plus $0.40 USD per successful transaction. There are no monthly or setup fees. Higher-volume businesses can contact Creem about custom pricing.
What does Creem handle as merchant of record?
Creem handles payment processing, tax calculation and compliance, invoices, fraud screening, refunds, and chargebacks for sales processed through the platform. The pricing and comparison pages describe tax collection and remittance across multiple international markets.
When are payouts sent?
Payouts are processed on the 1st and 15th of each month. Sellers can choose a bank account or USDC wallet, and the final arrival time depends on the selected payout method.
Can Creem bill for product usage instead of only subscriptions?
Yes. Creem supports prepaid credit wallets, usage-based pricing, and custom meters. The site gives examples including tokens, API requests, background jobs, storage, minutes, images, compute, and active seats.
How can a developer or AI agent operate Creem?
The platform exposes API, SDK, CLI, and webhook workflows, and provides an MCP server for compatible AI clients. The documented workflow starts in test mode and covers product creation, checkout links, store notifications, discount codes, billing-portal links, and refunds.
Quick Facts
- Category
- Payments and monetization platform
- Primary users
- Software, SaaS, AI, and digital-product sellers
- Standard pricing
- 3.9% + $0.40 per successful transaction
- Fixed fees
- No monthly fees or setup fees
- Payment reach
- Customers in 190+ countries
- Developer access
- API, SDKs, CLI, webhooks, and MCP server
Creem Traffic Analysis
Traffic data is for reference only.
- Domain Rating
- 80
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