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Dodo Payments vs Creem
Only Dodo Payments · 56
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Onboards businesses in United States
Dodo Payments
AvailableCreem
AvailableAccept payments
Dodo Payments
Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery.Creem
Creem resells software, SaaS and digital goods as merchant of record, handling checkout, subscriptions, tax and chargebacks, with revenue splits and affiliate tools.Pay people abroad
Dodo Payments
Not offeredCreem
Not offeredMulti-currency account
Dodo Payments
Not offeredCreem
Not offeredBusiness cards
Dodo Payments
Not offeredCreem
Not offeredStablecoins
Dodo Payments
Not offeredCreem
Not offeredYield on idle cash
Dodo Payments
Not offeredCreem
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Dodo Payments
No yield offeredCreem
No yield offeredIs the money protected?
Dodo Payments
–Creem
–Does the rate change?
Dodo Payments
–Creem
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Dodo Payments
Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24.Creem
3.9% + $0.40 per successful transaction, no monthly or setup fee. Add 2% for split payments, 2% for affiliate-platform sales and 5% on recovered abandoned carts. Payout fee 7 USD/EUR or 1% (whichever is higher); USDC payouts 2%. Seen 2026-10-24.Published prices
Dodo Payments
Not publishedCreem
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Dodo Payments
NoMarketplaces, multi-vendor platforms and selling on behalf of others are not supported.Creem
NoProducts that operate marketplaces or pay out to third parties on a merchant's behalf are prohibited; only revenue splits to co-founders, affiliates and contractors are offered.Split payments and platform fees
Dodo Payments
NoTaking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found.Creem
YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee.Embeddable UI
Dodo Payments
YesOverlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025).Creem
Not confirmedNot found on the official pages checked.Pay out to your users
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for your users
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Financing for your users
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Dodo Payments
YesRead as "the seller can be an individual": individual accounts verify with their own government ID.Creem
YesRead as "the seller can be an individual": the account review accepts an individual name or a business entity.Consumer wallets or accounts
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Consumer cards
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Dodo Payments
YesCustomers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions.Creem
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Dodo Payments
NoStablecoin payments settle in USD, so you do not hold crypto.Creem
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
PartlyCreem pays merchants in USDC on Polygon (2% fee); it does not offer stablecoin payouts to your own users.Issue your own stablecoin
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Dodo Payments
Low riskCreem
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Dodo Payments
YesOfficial Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds.Creem
YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key).Checkout for AI agents
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for AI agents
Dodo Payments
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Working with them
How easy it is to get started.
Self-serve signup
Dodo Payments
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.Published pricing
Dodo Payments
YesStandard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15Creem
Yes3.9% + $0.40 per successful transaction, no monthly or setup fee. Add 2% for split payments, 2% for affiliate-platform sales and 5% on recovered abandoned carts. Payout fee 7 USD/EUR or 1% (whichever is higher); USDC payouts 2%. Seen 2026-1Public API and sandbox
Dodo Payments
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.In short
Countries onboarded
Dodo Payments
130 of 170Creem
75 of 170Designed for
Dodo Payments
SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts.Creem
SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts.Limitations
Dodo Payments
Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.Creem
Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries.| Dodo Payments Merchant of record | Creem Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Dodo Payments resells SaaS, AI products and digital goods as merchant of record, handling payments, tax compliance and chargebacks, with checkout, subscriptions, usage billing, licence keys and digital delivery. | Creem resells software, SaaS and digital goods as merchant of record, handling checkout, subscriptions, tax and chargebacks, with revenue splits and affiliate tools. |
| Pay people abroad | Not offered | Not offered |
| Multi-currency account | Not offered | Not offered |
| Business cards | Not offered | Not offered |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | Standard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 plus international fees; ACH and SEPA Direct Debit 1.5% capped at $15/€15 (replaces the card fee). $1 per refund, $30 per dispute. Payouts free, but $5 if under $1,000 and $25 for USD SWIFT payouts to non-US businesses. Enterprise pricing is custom. Seen 2026-10-24. | 3.9% + $0.40 per successful transaction, no monthly or setup fee. Add 2% for split payments, 2% for affiliate-platform sales and 5% on recovered abandoned carts. Payout fee 7 USD/EUR or 1% (whichever is higher); USDC payouts 2%. Seen 2026-10-24. |
| Published prices | Not published | Not published |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | NoMarketplaces, multi-vendor platforms and selling on behalf of others are not supported. | NoProducts that operate marketplaces or pay out to third parties on a merchant's behalf are prohibited; only revenue splits to co-founders, affiliates and contractors are offered. |
| Split payments and platform fees | NoTaking funds and forwarding them elsewhere is not supported under its MoR structure; no split feature was found. | YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee. |
| Embeddable UI | YesOverlay checkout sessions display checkout inside your application without a redirect (since v1.56.0, October 2025). | Not confirmedNot found on the official pages checked. |
| Pay out to your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Cards for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Financing for your users | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | YesRead as "the seller can be an individual": individual accounts verify with their own government ID. | YesRead as "the seller can be an individual": the account review accepts an individual name or a business entity. |
| Consumer wallets or accounts | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Consumer cards | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | YesCustomers anywhere except India can pay USD checkouts with stablecoins; the merchant is settled in USD. Not available for subscriptions. | Not confirmedNot found on the official pages checked. |
| Hold stablecoin balances | NoStablecoin payments settle in USD, so you do not hold crypto. | Not confirmedNot found on the official pages checked. |
| Pay out in stablecoins | Not confirmedNot found on the official pages checked. | PartlyCreem pays merchants in USDC on Polygon (2% fee); it does not offer stablecoin payouts to your own users. |
| Issue your own stablecoin | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Regulatory risk in United States | Low risk | Low risk |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesOfficial Dodo Payments MCP server (Code Mode) for creating payments, managing subscriptions and refunds. | YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key). |
| Checkout for AI agents | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Cards for AI agents | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| Published pricing | YesStandard: 4% + $0.40 per transaction (US cards and wallets); +1.5% for cards and APMs outside the US; +0.5% for subscriptions, add-ons and usage billing; +3% for PayPal or BNPL (Klarna, Afterpay/Clearpay); India INR cards and UPI 4% + $0.15 | Yes3.9% + $0.40 per successful transaction, no monthly or setup fee. Add 2% for split payments, 2% for affiliate-platform sales and 5% on recovered abandoned carts. Payout fee 7 USD/EUR or 1% (whichever is higher); USDC payouts 2%. Seen 2026-1 |
| Public API and sandbox | Not confirmedNot researched yet. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 130 of 170 | 75 of 170 |
| Designed for | SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts. | SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts. |
| Limitations | Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants. | Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries. |
Common questions
Is Dodo Payments or Creem available in more countries?
Dodo Payments. Of the 170 countries we track, Dodo Payments onboards businesses in 130 and Creem in 75 (and 6 more with limits). Both serve businesses in 74. Only Dodo Payments: Saudi Arabia, Ghana, Bahamas, Belize, Bolivia, Ecuador, El Salvador, Guyana, Jamaica, Panama, Paraguay, Suriname and 44 more. Only Creem: Egypt, Nigeria, Kenya, Morocco, Pakistan, Bangladesh and Ukraine.
What do Dodo Payments and Creem offer?
Accept payments: Dodo Payments yes, Creem yes. Pay people abroad: Dodo Payments no, Creem no. Multi-currency account: Dodo Payments no, Creem no. Business cards: Dodo Payments no, Creem no. Stablecoins: Dodo Payments no, Creem no. Yield on idle cash: Dodo Payments no, Creem no.
How do Dodo Payments and Creem differ for platforms and embedded finance?
Split payments and platform fees: Dodo Payments no, Creem yes. Embeddable UI: Dodo Payments yes, Creem not confirmed. Accept stablecoins: Dodo Payments yes, Creem not confirmed. Hold stablecoin balances: Dodo Payments no, Creem not confirmed. Pay out in stablecoins: Dodo Payments not confirmed, Creem partly.
Who is Dodo Payments designed for?
SaaS and AI builders in countries Stripe does not serve directly, including individuals, who need local-currency or USD bank payouts. Limitations: Eligibility depends on where your ID was issued, and several large markets (Nigeria, Egypt, Bangladesh, Pakistan, Kenya) are not open to new merchants.
Who is Creem designed for?
SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts. Limitations: Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries.
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