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Paddle vs Creem
Only Paddle · 68
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For a business registered in
Onboards businesses in United States
Paddle
AvailableCreem
AvailableAccept payments
Paddle
Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer.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
Paddle
Not offeredCreem
Not offeredMulti-currency account
Paddle
Not offeredCreem
Not offeredBusiness cards
Paddle
Not offeredCreem
Not offeredStablecoins
Paddle
Not offeredCreem
Not offeredYield on idle cash
Paddle
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
Paddle
No yield offeredCreem
No yield offeredIs the money protected?
Paddle
–Creem
–Does the rate change?
Paddle
–Creem
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Paddle
5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries a 2–3% FX margin; chargebacks cost up to 20 GBP/USD/EUR. 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
Paddle
Not publishedCreem
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Paddle
NoThe Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces.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
Paddle
NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found.Creem
YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee.Embeddable UI
Paddle
YesBranded checkout flows that can be embedded in your website or app.Creem
Not confirmedNot found on the official pages checked.Pay out to your users
Paddle
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
Paddle
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for your users
Paddle
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Financing for your users
Paddle
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
Paddle
PartlyRead as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found.Creem
YesRead as "the seller can be an individual": the account review accepts an individual name or a business entity.Consumer wallets or accounts
Paddle
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Consumer cards
Paddle
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
Paddle
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Paddle
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Paddle
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
Paddle
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Paddle
No stablecoin productsCreem
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Paddle
YesOfficial remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026.Creem
YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key).Checkout for AI agents
Paddle
Not confirmedThe AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found.Creem
Not confirmedNot found on the official pages checked.Cards for AI agents
Paddle
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
Paddle
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.Published pricing
Paddle
Yes5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carriesCreem
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
Paddle
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.In short
Countries onboarded
Paddle
148 of 170Creem
75 of 170Designed for
Paddle
Software, SaaS and app companies in most countries that want one company to handle global tax and payments.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
Paddle
Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.Creem
Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries.| Paddle Merchant of record | Creem Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer. | 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 | 5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries a 2–3% FX margin; chargebacks cost up to 20 GBP/USD/EUR. 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 | NoThe Acceptable Use Policy prohibits products that let non-Paddle sellers sell to customers, such as marketplaces. | 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 | NoMarketplaces for other sellers are prohibited, and no revenue-split feature was found. | YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee. |
| Embeddable UI | YesBranded checkout flows that can be embedded in your website or app. | 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 | PartlyRead as "the seller can be an individual". The MSA’s supplier definitions include individuals (UK/Isle of Man example); no general statement found. | 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 remote Paddle MCP server (sandbox and live endpoints) plus a separate docs MCP server; part of the Paddle AI Toolkit announced 20 October 2026. | YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key). |
| Checkout for AI agents | Not confirmedThe AI Toolkit is for developers’ agents managing billing; no support for agents buying (ACP, AP2 or similar) was found. | 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 | Yes5% + $0.50 per checkout transaction, no monthly fee (pricing page). Paddle Invoicing paid by bank transfer: 3.5% (MSA clause 3.2). Products under $10 and high-volume businesses can get custom pricing. Currency conversion at checkout carries | 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 | 148 of 170 | 75 of 170 |
| Designed for | Software, SaaS and app companies in most countries that want one company to handle global tax and payments. | SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts. |
| Limitations | Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly. | Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries. |
Common questions
Is Paddle or Creem available in more countries?
Paddle. Of the 170 countries we track, Paddle onboards businesses in 148 (and 1 more with limits) and Creem in 75 (and 6 more with limits). Both serve businesses in 81. Only Paddle: Saudi Arabia, Ghana, Bahamas, Belize, Bolivia, Ecuador, El Salvador, Guyana, Jamaica, Panama, Paraguay, Suriname and 56 more.
What do Paddle and Creem offer?
Accept payments: Paddle yes, Creem yes. Pay people abroad: Paddle no, Creem no. Multi-currency account: Paddle no, Creem no. Business cards: Paddle no, Creem no. Stablecoins: Paddle no, Creem no. Yield on idle cash: Paddle no, Creem no.
How do Paddle and Creem differ for platforms and embedded finance?
Split payments and platform fees: Paddle no, Creem yes. Embeddable UI: Paddle yes, Creem not confirmed. End users can be individuals: Paddle partly, Creem yes. Pay out in stablecoins: Paddle not confirmed, Creem partly.
Who is Paddle designed for?
Software, SaaS and app companies in most countries that want one company to handle global tax and payments. Limitations: Only software and related digital products; no physical goods or stand-alone services, and payouts are monthly.
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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