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FastSpring vs Creem
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Onboards businesses in United States
FastSpring
AvailableCreem
AvailableAccept payments
FastSpring
FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal.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
FastSpring
Not offeredCreem
Not offeredMulti-currency account
FastSpring
Not offeredCreem
Not offeredBusiness cards
FastSpring
Not offeredCreem
Not offeredStablecoins
FastSpring
Not offeredCreem
Not offeredYield on idle cash
FastSpring
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
FastSpring
No yield offeredCreem
No yield offeredIs the money protected?
FastSpring
–Creem
–Does the rate change?
FastSpring
–Creem
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
FastSpring
No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. 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
FastSpring
Not publishedCreem
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
FastSpring
NoMarketplaces, platforms and aggregators are restricted business types; no sub-account product was found.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
FastSpring
PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted.Creem
YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee.Embeddable UI
FastSpring
YesEmbedded and popup checkouts let customers buy without leaving your site.Creem
Not confirmedNot found on the official pages checked.Pay out to your users
FastSpring
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
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for your users
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Financing for your users
FastSpring
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
FastSpring
YesRead as "the seller can be an individual": the Payouts Portal accepts Individual accounts with a national tax ID or SSN.Creem
YesRead as "the seller can be an individual": the account review accepts an individual name or a business entity.Consumer wallets or accounts
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Consumer cards
FastSpring
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
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Hold stablecoin balances
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Pay out in stablecoins
FastSpring
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
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Regulatory risk in United States
FastSpring
No stablecoin productsCreem
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
FastSpring
Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count.Creem
YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key).Checkout for AI agents
FastSpring
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for AI agents
FastSpring
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
FastSpring
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.Published pricing
FastSpring
YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24.Creem
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
FastSpring
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.In short
Countries onboarded
FastSpring
157 of 170Creem
75 of 170Designed for
FastSpring
Established software and game companies that want a negotiated merchant of record contract and many payout options.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
FastSpring
No published price list; rates are quoted by sales.Creem
Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries.| FastSpring Merchant of record | Creem Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal. | 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 | No public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. 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, platforms and aggregators are restricted business types; no sub-account product was found. | 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 | PartlySplit Partner Accounts route a percentage of sales to co-developers, affiliates or content creators, configured through FastSpring Support. Marketplaces and selling as an agent for third parties are restricted. | YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee. |
| Embeddable UI | YesEmbedded and popup checkouts let customers buy without leaving your site. | 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": the Payouts Portal accepts Individual accounts with a national tax ID or SSN. | 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 | Not confirmedNot found on the official pages checked. | Not confirmedNot found on the official pages checked. |
| Hold stablecoin balances | Not confirmedNot found on the official pages checked. | 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 | No stablecoin products | Low risk |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | Not confirmedNo official FastSpring MCP server found; only third-party and community-built ones appear in search results, which do not count. | 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 | YesNo public rate. FastSpring quotes flat-rate, revenue-share pricing based on transaction type and volume, with no minimum volume and discounted rates for ACH and wire transactions. Seen 2026-10-24. | 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 | 157 of 170 | 75 of 170 |
| Designed for | Established software and game companies that want a negotiated merchant of record contract and many payout options. | SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts. |
| Limitations | No published price list; rates are quoted by sales. | Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries. |
Common questions
Is FastSpring or Creem available in more countries?
FastSpring. Of the 170 countries we track, FastSpring onboards businesses in 157 (and 1 more with limits) and Creem in 75 (and 6 more with limits). Both serve businesses in 81. Only FastSpring: Saudi Arabia, Ghana, Bahamas, Belize, Bolivia, Ecuador, El Salvador, Guyana, Haiti, Jamaica, Nicaragua, Panama and 65 more.
What do FastSpring and Creem offer?
Accept payments: FastSpring yes, Creem yes. Pay people abroad: FastSpring no, Creem no. Multi-currency account: FastSpring no, Creem no. Business cards: FastSpring no, Creem no. Stablecoins: FastSpring no, Creem no. Yield on idle cash: FastSpring no, Creem no.
How do FastSpring and Creem differ for platforms and embedded finance?
Split payments and platform fees: FastSpring partly, Creem yes. Embeddable UI: FastSpring yes, Creem not confirmed. Pay out in stablecoins: FastSpring not confirmed, Creem partly. Official MCP server: FastSpring not confirmed, Creem yes.
Who is FastSpring designed for?
Established software and game companies that want a negotiated merchant of record contract and many payout options. Limitations: No published price list; rates are quoted by sales.
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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