Compare
Gumroad vs Creem
Only Gumroad · 82
Only Creem · 1
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For a business registered in
Onboards businesses in United States
Gumroad
AvailableCreem
AvailableAccept payments
Gumroad
Gumroad hosts your store and checkout and acts as merchant of record for all sales, collecting and remitting sales tax and VAT. Mainly digital products, memberships and some digital services.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
Gumroad
Not offeredCreem
Not offeredMulti-currency account
Gumroad
Not offeredCreem
Not offeredBusiness cards
Gumroad
Not offeredCreem
Not offeredStablecoins
Gumroad
Not offeredCreem
Not offeredYield on idle cash
Gumroad
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
Gumroad
No yield offeredCreem
No yield offeredIs the money protected?
Gumroad
–Creem
–Does the rate change?
Gumroad
–Creem
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Gumroad
10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3%. No monthly fee. 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
Gumroad
Not publishedCreem
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Gumroad
NoReselling products you did not create is not allowed, and no sub-account feature 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
Gumroad
PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found.Creem
YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee.Embeddable UI
Gumroad
YesOverlay and Embed widgets open the Gumroad product page or checkout on your own site.Creem
Not confirmedNot found on the official pages checked.Pay out to your users
Gumroad
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
Gumroad
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for your users
Gumroad
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Financing for your users
Gumroad
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
Gumroad
YesRead as "the seller can be an individual": individuals sell with a photo ID and proof of residence; US sellers give an 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
Gumroad
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Consumer cards
Gumroad
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
Gumroad
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Gumroad
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Gumroad
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
Gumroad
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Gumroad
No stablecoin productsCreem
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Gumroad
YesOfficial Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts.Creem
YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key).Checkout for AI agents
Gumroad
Not confirmedThe Gumroad MCP connector cannot take payments or run checkout (customers always pay through Gumroad checkout). No official page addresses agent-buying protocols or agent-initiated checkout.Creem
Not confirmedNot found on the official pages checked.Cards for AI agents
Gumroad
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
Gumroad
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.Published pricing
Gumroad
Yes10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3%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
Gumroad
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.In short
Countries onboarded
Gumroad
111 of 170Creem
75 of 170Designed for
Gumroad
Individual creators selling e-books, courses, templates or memberships with little setup.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
Gumroad
Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money.Creem
Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries.| Gumroad Merchant of record | Creem Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Gumroad hosts your store and checkout and acts as merchant of record for all sales, collecting and remitting sales tax and VAT. Mainly digital products, memberships and some digital services. | 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 | 10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3%. No monthly fee. 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 | NoReselling products you did not create is not allowed, and no sub-account feature 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 | PartlyAffiliate commissions are split from each sale, with fees shared in proportion. No general marketplace split was found. | YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee. |
| Embeddable UI | YesOverlay and Embed widgets open the Gumroad product page or checkout on your own 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": individuals sell with a photo ID and proof of residence; US sellers give an 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 | YesOfficial Gumroad MCP server (custom connector URL gumroad.com/claude/v1/mcp) for reading products, sales and payouts and creating drafts. | YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key). |
| Checkout for AI agents | Not confirmedThe Gumroad MCP connector cannot take payments or run checkout (customers always pay through Gumroad checkout). No official page addresses agent-buying protocols or agent-initiated checkout. | 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 | Yes10% + $0.50 per direct sale plus card processing (2.9% + $0.30) or PayPal fees; 5% + $0.50 on new direct sales after $20,000 of paid sales in a calendar month; flat 30% on Discover marketplace sales. PayPal payouts 2%; US instant payouts 3% | 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 | 111 of 170 | 75 of 170 |
| Designed for | Individual creators selling e-books, courses, templates or memberships with little setup. | SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts. |
| Limitations | Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money. | Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries. |
Common questions
Is Gumroad or Creem available in more countries?
Gumroad. Of the 170 countries we track, Gumroad onboards businesses in 111 (and 51 more with limits) and Creem in 75 (and 6 more with limits). Both serve businesses in 80. Only Gumroad: Saudi Arabia, Ghana, Bahamas, Belize, Bolivia, Ecuador, El Salvador, Guyana, Haiti, Jamaica, Nicaragua, Panama and 70 more. Only Creem: Zambia.
What do Gumroad and Creem offer?
Accept payments: Gumroad yes, Creem yes. Pay people abroad: Gumroad no, Creem no. Multi-currency account: Gumroad no, Creem no. Business cards: Gumroad no, Creem no. Stablecoins: Gumroad no, Creem no. Yield on idle cash: Gumroad no, Creem no.
How do Gumroad and Creem differ for platforms and embedded finance?
Split payments and platform fees: Gumroad partly, Creem yes. Embeddable UI: Gumroad yes, Creem not confirmed. Pay out in stablecoins: Gumroad not confirmed, Creem partly.
Who is Gumroad designed for?
Individual creators selling e-books, courses, templates or memberships with little setup. Limitations: Highest headline fee of the group, and outside bank-payout countries you need a PayPal account that can receive money.
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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