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Polar vs Creem
Only Polar · 38
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Onboards businesses in United States
Polar
AvailableCreem
AvailableAccept payments
Polar
Polar is merchant of record for software, SaaS and digital products, handling checkout, subscriptions, usage billing and international sales tax, and pays out through Stripe Connect Express.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
Polar
Not offeredCreem
Not offeredMulti-currency account
Polar
Not offeredCreem
Not offeredBusiness cards
Polar
Not offeredCreem
Not offeredStablecoins
Polar
Not offeredCreem
Not offeredYield on idle cash
Polar
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
Polar
No yield offeredCreem
No yield offeredIs the money protected?
Polar
–Creem
–Does the rate change?
Polar
–Creem
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Polar
Starter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the Early Member rate of 4% + $0.40 (+0.5% on subscriptions). 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
Polar
Not publishedCreem
Not publishedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Polar
NoProducts that let other sellers sell through Polar are prohibited.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
Polar
NoSelling others’ products for an upfront payment or revenue share is prohibited; no revenue-split feature was found in the pages checked.Creem
YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee.Embeddable UI
Polar
YesEmbedded checkout on your own site via a code snippet or JavaScript library.Creem
Not confirmedNot found on the official pages checked.Pay out to your users
Polar
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
Polar
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for your users
Polar
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Financing for your users
Polar
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
Polar
YesRead as "the seller can be an individual": individuals can sell where Stripe Connect Express supports individual accounts.Creem
YesRead as "the seller can be an individual": the account review accepts an individual name or a business entity.Consumer wallets or accounts
Polar
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Consumer cards
Polar
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
Polar
Not confirmedNo stablecoin payment method found; NFTs and crypto assets are prohibited products.Creem
Not confirmedNot found on the official pages checked.Hold stablecoin balances
Polar
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Pay out in stablecoins
Polar
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
Polar
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Regulatory risk in United States
Polar
No stablecoin productsCreem
Low riskAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Polar
YesOfficial remote MCP server (mcp.polar.sh) with OAuth, with production and sandbox endpoints.Creem
YesThe official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key).Checkout for AI agents
Polar
Not confirmedNot found on the official pages checked.Creem
Not confirmedNot found on the official pages checked.Cards for AI agents
Polar
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
Polar
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.Published pricing
Polar
YesStarter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the EaCreem
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
Polar
Not confirmedNot researched yet.Creem
Not confirmedNot researched yet.In short
Countries onboarded
Polar
111 of 170Creem
75 of 170Designed for
Polar
Developers in countries without Stripe Payments who sell software, licences or paid repo access.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
Polar
Payout only to a domestic bank account via Stripe Connect Express in a listed country; no PayPal, Payoneer or Wise payouts.Creem
Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries.| Polar Merchant of record | Creem Merchant of record | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Polar is merchant of record for software, SaaS and digital products, handling checkout, subscriptions, usage billing and international sales tax, and pays out through Stripe Connect Express. | 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 | Starter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the Early Member rate of 4% + $0.40 (+0.5% on subscriptions). 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 | NoProducts that let other sellers sell through Polar are prohibited. | 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 | NoSelling others’ products for an upfront payment or revenue share is prohibited; no revenue-split feature was found in the pages checked. | YesRevenue splits between co-founders, affiliates and contractors, for an extra 2% fee. |
| Embeddable UI | YesEmbedded checkout on your own site via a code snippet or JavaScript library. | 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 can sell where Stripe Connect Express supports individual accounts. | 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 confirmedNo stablecoin payment method found; NFTs and crypto assets are prohibited products. | 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 MCP server (mcp.polar.sh) with OAuth, with production and sandbox endpoints. | 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 | YesStarter: free, 5% + $0.50 per transaction. Pro $20/month (3.8% + $0.40), Growth $100/month (3.6% + $0.35), Scale $400/month (3.4% + $0.30). Plus 1.5% for non-US cards and $15 per dispute. Organisations created before 27 May 2026 keep the Ea | 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 | Developers in countries without Stripe Payments who sell software, licences or paid repo access. | SaaS founders and digital creators in its listed countries, including some Stripe does not serve, who want low fees and optional USDC payouts. |
| Limitations | Payout only to a domestic bank account via Stripe Connect Express in a listed country; no PayPal, Payoneer or Wise payouts. | Seller-country list is shorter than Polar’s or Gumroad’s, with partner restrictions in several countries. |
Common questions
Is Polar or Creem available in more countries?
Polar. Of the 170 countries we track, Polar onboards businesses in 111 and Creem in 75 (and 6 more with limits). Both serve businesses in 73. Only Polar: Saudi Arabia, Ghana, Bahamas, Bolivia, Ecuador, El Salvador, Guyana, Jamaica, Panama, Paraguay, Trinidad and Tobago, Armenia and 26 more. Only Creem: Brazil, China, Honduras, Georgia, Montenegro, Ukraine, Zambia and Nepal.
What do Polar and Creem offer?
Accept payments: Polar yes, Creem yes. Pay people abroad: Polar no, Creem no. Multi-currency account: Polar no, Creem no. Business cards: Polar no, Creem no. Stablecoins: Polar no, Creem no. Yield on idle cash: Polar no, Creem no.
How do Polar and Creem differ for platforms and embedded finance?
Split payments and platform fees: Polar no, Creem yes. Embeddable UI: Polar yes, Creem not confirmed. Pay out in stablecoins: Polar not confirmed, Creem partly.
Who is Polar designed for?
Developers in countries without Stripe Payments who sell software, licences or paid repo access. Limitations: Payout only to a domestic bank account via Stripe Connect Express in a listed country; no PayPal, Payoneer or Wise payouts.
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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