Merchant of record
Creem
Estonian merchant of record for SaaS and digital products
79%
of the world’s people live in the 81 countries where Creem onboards local businesses.
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.
What it offers
Creem resells software, SaaS and digital goods as merchant of record, handling checkout, subscriptions, tax and chargebacks, with revenue splits and affiliate tools.
Not offered.
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Selling through Creem
Digital goods fulfilled through Creem: software and SaaS, e-books, PDFs, design assets, photos, audio, video. Prohibited include physical goods of any kind, trading tools, IPTV, adult content and AI companions, face-swap and deepfake tools, telecom/eSIM, gambling and lending, dating, NFTs and crypto, in-game items, and marketplaces. Restricted (strict due diligence and an established track record required): services of any kind, job boards, advertising, API resellers, generative AI products such as text-to-image and text-to-video tools, and trading education.
Individuals or business entities in a listed country, subject to an account review; restricted categories need a proven track record. Operated by Armitage Labs OÜ (Estonia).
Local bank transfer in all supported countries (in China, individuals via Alipay with caps, businesses to a local bank), or USDC on Polygon to your wallet. The payout account must match the onboarded identity (a business account for a business). Paid on the 1st and 15th of each month after you request a withdrawal, once the balance reaches 50 USD/EUR; payments may be held 7–12 days for risk assessment first.
Fees
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.
Prices change and may depend on your volume and country. Check the provider’s pricing page before relying on them.
Deeper review
Platform and product capabilities
What you can build on Creem: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Products 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.
medium confidence
Revenue splits between co-founders, affiliates and contractors, for an extra 2% fee.
Embedded finance for your users
Give your users financial products under your brand.
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Read as "the seller can be an individual": the account review accepts an individual name or a business entity.
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Creem pays merchants in USDC on Polygon (2% fee); it does not offer stablecoin payouts to your own users.
AI agents
Build with AI tools, and let AI agents shop and pay.
The official Creem TypeScript SDK ships an MCP server (runs locally over stdio with your API key).
Working with them
How easy it is to get started.
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 2026-1
Stablecoin regulatory exposure
Where Creem’s stablecoin products are available, rated by how clear each country’s stablecoin rules are. This rates the rules, not Creem. How the scale works
Where the rules are restrictive or unclear
Where it onboards businesses
Available in 75 of the 170 countries we track, limited in 6.
Merchants must be in one of about 87 listed countries, paid by local bank transfer or USDC. Some countries (Bangladesh, Colombia, Nepal, Pakistan, Tanzania, Ukraine) carry partner restrictions such as personal accounts only.
Medium confidence: compiled from public sources, not yet checked line by line. Spotted a wrong country? Report it on that country’s page.
North America · 2
Latin America · 10
Europe · 39
Middle East · 3
Latin America · 1
Europe · 1
Africa · 1
Asia-Pacific · 3
Creem: common questions
Which countries does Creem support?
Creem onboards businesses registered in 75 of the 170 countries we track, and in 6 more with limits (Colombia, Pakistan, Bangladesh, Ukraine, Tanzania and Nepal).
Where is Creem available, by region?
Countries where Creem onboards businesses (fully or with limits), by region: North America 2 of 2, Latin America 11 of 26, Europe 40 of 43, Middle East 3 of 14, Africa 7 of 49, Asia-Pacific 18 of 36.
What does Creem offer?
Accept payments: Creem resells software, SaaS and digital goods as merchant of record, handling checkout, subscriptions, tax and chargebacks, with revenue splits and affiliate tools.
Can marketplaces and platforms use Creem?
Sub-accounts for your users: No (Products 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: Yes (Revenue splits between co-founders, affiliates and contractors, for an extra 2% fee). Embeddable UI: Not confirmed (Not found on the official pages checked). Pay out to your users: Not confirmed (Not found on the official pages checked).
What are the alternatives to Creem?
Other merchant of record providers we track: Paddle, Stripe Managed Payments, Polar, Gumroad, FastSpring and Dodo Payments. Which one fits depends mostly on where your business is registered.
Sources