Best Fintech App
Chime
Fee-free banking with early pay and mobile-first account access.
Free plan
- Web app
- iOS (iPhone & iPad)
- Android
What is CREEM?
Merchant of record for software, with tax handled in 50+ countries CREEM is a payments platform for software sellers that acts as the merchant of record.
Our verdict
A flat, public rate with no monthly fee and tax handling included is a clean deal for indie developers who do not want to register for VAT in every market.
Full review
CREEM is a payments platform for software sellers that acts as the merchant of record. That means CREEM is the legal seller on each sale, so it collects and remits sales tax and VAT for you. The company says it covers taxes in more than 50 countries and lets you sell into 190+.
Beyond checkout, it covers the pieces a SaaS or indie app usually needs: subscriptions, credit wallets and usage-based billing, affiliates, and short links. Developers get an API, SDKs, a CLI and an MCP server, with docs at docs.creem.io.
Pricing is a single pay-as-you-go rate of 3.9% plus $0.40 per transaction, with no monthly or setup fee. Payouts go out on the 1st and 15th of each month.
As with any merchant of record, the fee is higher than a plain processor because tax compliance is bundled in. I did not process a payment or check reviews, so
CREEM is a payments platform for software sellers that acts as the merchant of record. That means CREEM is the legal seller on each sale, so it collects and remits sales tax and VAT for you. The company says it covers taxes in more than 50 countries and lets you sell into 190+.
Beyond checkout, it covers the pieces a SaaS or indie app usually needs: subscriptions, credit wallets and usage-based billing, affiliates, and short links. Developers get an API, SDKs, a CLI and an MCP server, with docs at docs.creem.io.
Pricing is a single pay-as-you-go rate of 3.9% plus $0.40 per transaction, with no monthly or setup fee. Payouts go out on the 1st and 15th of each month.
As with any merchant of record, the fee is higher than a plain processor because tax compliance is bundled in. I did not process a payment or check reviews, so confirm payout and country coverage for your case before switching.
Who it's for
Best for
- Indie developers and small SaaS teams selling digital products globally who want tax compliance handled for them.
Not ideal for
- High-volume sellers for whom 3.9% + $0.40 is too much
- or teams that need weekly payouts.
How we tested
AppsInsight desk research by Deepika Pandey, October 5, 2026. Sources: creem.io and creem.io/pricing. I did not open an account or run a payment; fees and coverage are as published.
What's new
Listed as CREEM 2.0 from the public site; no changelog reviewed.
At a glance
| Pricing | Usage-based |
|---|---|
| Starting price | 3.9% + $0.40 |
| Free plan | No |
| Free trial | No |
| Pricing page | View pricing |
| Platforms | Web app, API / SDK, CLI / Terminal |
| API | No |
| Company | CREEM |
| Apps Insight Score | 35/100 |
| Implementation | Easy |
| Learning curve | Intermediate |
Why this app scored 35/100
Editorial Review 21/30
- Product quality 6/10 6/10
- Ease of use 4/5 4/5
- Feature depth 3/5 3/5
- Innovation 3/5 3/5
- Value for money 3/3 3/3
- Recommendation confidence 2/2 2/2
Trust & Verification 3/25
- AppsInsight badge installed Badge not installed 0/15
- HTTPS website HTTPS 1/1
- Business support email Missing 0/1
- Privacy policy published Missing 0/2
- Terms of service published Missing 0/1
- Security certifications None listed 0/2
- Knowledge base / help center Provided 2/2
- Social profiles linked 1 profile linked 0/1
Community 0/20
- Verified reviews & rating 0 reviews (5 needed) 0/15
- Recent reviews No reviews yet 0/5
Product Profile 8/20
- Detailed description 158 words 1/3
- Screenshots 1 screenshot 1/3
- Demo video No demo video 0/2
- FAQ 4 items 1/2
- Feature list 6 items 1/2
- Pricing published Plan tiers published 3/3
- Pros & cons Pros & cons listed 1/1
- Integrations 0 integrations 0/2
- API available No 0/1
- Company details 1 of 3 details filled 0/1
Freshness 3/5
- Listing recently updated Updated 0 days ago 3/3
- Recent changelog entry No changelog entries 0/2
Editorial points are assigned by AppsInsight editors and cannot be purchased or influenced.
Built for
How CREEM compares
| Feature | CREEM | Chime | Stripe | tiun |
|---|---|---|---|---|
| Rating | 3.0 / 5 | 5.0 / 5 | 4.6 / 5 | 3.0 / 5 |
| Pricing | Usage-based | Free plan | Usage-based | Usage-based |
| Starting price | 3.9% + $0.40 | Free | 2.9% + 30¢ per transaction | $0 |
| Free plan | Included | Included | Included | Included |
| Free trial | No | No | No | No |
| Platforms | Web app, API / SDK, CLI / Terminal | Web app, iOS (iPhone & iPad), Android | Web app | Web app, API / SDK |
| Best for | Indie developers and small SaaS teams selling digital products globally who want tax compliance handled for them. | Solo creators, SMB marketing teams, freelancers, hourly workers, budget-conscious consumers, buyers who want fee-free mobile banking | SaaS, marketplaces, e-commerce | Indie developers and early SaaS teams selling globally who want a merchant of record plus auth and analytics from one vendor. |
Key features
Merchant of record
CREEM is the seller of record and handles sales tax and VAT in 50+ countries.
Global selling
Sell to customers in 190+ countries.
Subscriptions and usage billing
Recurring plans, credit wallets and usage-based billing.
Affiliates and short links
Built-in affiliate programme and short links.
Developer tooling
API, SDKs, CLI and MCP server.
Scheduled payouts
Payouts on the 1st and 15th of each month.
Key benefits
- No VAT registrations to manage yourself.
- No monthly or setup fee.
- Subscriptions, credits and usage billing in one tool.
Pricing
Usage-based3.9% + $0.40
Solo
Pay as you go
$0 /mo
- 3.9% + $0.40 per transaction;No monthly or setup fee;Payouts on the 1st and 15th;Tax handling in 50+ countries
Pros & Cons
Pros
- Single public rate, no monthly fee.
- Tax handling included.
- Developer-first tooling including MCP.
Cons
- 3.9% + $0.40 is higher than a plain processor.
- Twice-monthly payouts only.
- Young product, little independent review history.
CREEM alternatives
View all alternativesMore Payments apps
Best Fintech App
Chime
Fee-free banking with early pay and mobile-first account access.
Free plan
- Web app
- iOS (iPhone & iPad)
- Android
User reviews
No reviews yet. Be the first to review this app.
Write a review
Already have an account? Log in to track your reviews.
Frequently asked questions
What is CREEM?
A merchant of record platform for selling software, with tax compliance handled for you.
How much does CREEM cost?
3.9% + $0.40 per transaction, with no monthly or setup fee.
When are payouts made?
On the 1st and 15th of each month.
Where can I sell?
CREEM says it supports sales to 190+ countries and tax handling in 50+.