Creem
A newer Merchant of Record built for indie SaaS, AI tools, and digital products, combining global tax handling with product and growth tooling.
What changes when you choose Creem.
- Legal seller
- Creem is the legal seller
- Service model
- merchant of record
- Pricing certainty
- hybrid
- Review state
- growth · next review 2026-09-28
Who owns and operates Creem.
Product capability and company durability are different questions. This view keeps ownership, leadership, funding, and financial disclosure separate from the provider review.
- Founded
- Not publicly verified Creem identifies Gabriel Ferraz and Alec Erasmus as cofounders, but the reviewed primary sources do not establish an exact founding year.
- Ownership
- Privately held, early-stage and Antler-backed company Independent company
- Headquarters
- Estonia
- Team disclosure
- Small startup team Creem publishes team biographies but not a complete verified headcount.
Listed on Creem's current company page.
Listed on Creem's current company page.
Founders: Gabriel Ferraz, Alec Erasmus
Antler-backed; financing amount not publicly disclosed
Creem identifies itself as Antler-backed but does not publish a complete financing history, round size, or valuation on its company page.
Named backers: Antler
Revenue, profitability, and payment volume are not disclosed
The public fee is a product term, not a company financial metric or evidence of reserve strength.
- Public standard fee
- 3.9% + $0.40
- Published valuation
- Not disclosed
- Public revenue
- Not disclosed
- Creem was established in Estonia for digital-product and SaaS sellers.
- The company expanded its Merchant of Record billing and growth feature set.
3.9% + $0.40 per transaction on tax-inclusive order value; chargebacks are $25 and payout fees can apply.
Public standard platform fee. The percentage applies to tax-inclusive order value. Chargebacks cost $25; bank and USDC payout fees vary by payout route.
Where it fits—and where it does not.
Strengths
- Low public base rate for an MoR
- Built for indie SaaS and AI products
- License keys, affiliates, and revenue splits in one product
Limitations
- Shorter operating and compliance history
- Payout holds and payout fees affect cash timing
- The fee base includes tax and complex enterprise billing may need confirmation
- Indie SaaS
- AI builders
- Small digital-product teams
- You require a mature enterprise service organization
- You cannot tolerate platform payout holds
Can you use it, and who can buy?
- Seller coverage
- Digital businesses can apply subject to supported-country, product, identity, and risk checks.
- Buyer coverage
- Creem markets global payment and tax coverage, with methods and availability dependent on buyer and seller location.
- Product scope
- SaaS, AI tools, software, licenses, digital downloads, memberships, and other approved digital products.
What is built in.
- Checkout
- Hosted checkout and developer integrations designed for fast self-serve launches.
- Subscriptions
- Recurring plans, trials, upgrades, cancellations, customer portal, and webhooks.
- Invoicing
- Tax-compliant transaction documents are provided; confirm complex B2B invoicing requirements.
- Payment methods
- Cards and supported wallets or local methods through Creem's payment infrastructure.
- Payouts
- Net proceeds are paid after a documented risk-hold period and any applicable limits.
Who handles what.
| Responsibility | Primary owner | What that means |
|---|---|---|
| Indirect-tax calculation, filing, and remittance | Provider | Creem acts as Merchant of Record and handles supported transaction taxes. |
| Refunds, disputes, and payment fraud | Shared | Creem runs the transaction layer while sellers remain bound by policies and evidence requests. |
| Product delivery and support | You | The seller must deliver the digital product and handle product-specific support. |
| Business accounting and income tax | You | Creem payouts still need to be reconciled in the seller's books. |
Questions to answer before signing.
- Which provider entity is the seller, and what name appears on receipts and statements?
- Are every product type, seller country, buyer country, and sales channel we use eligible?
- Which indirect taxes, filings, invoices, refunds, and transaction-support tasks are contractually covered?
- Which product-support and customer-communication tasks remain ours?
- What reserve, payout-delay, review, termination, and account-restriction clauses apply?
- Can active payment credentials and subscriptions be transferred to another provider?
- Which reports reconcile gross sales, tax, fees, refunds, disputes, and net payout?
- What changes when we use invoicing, bank transfer, marketplaces, or transactions outside the MoR flow?
Plan the exit while entry is easy.
A dashboard export is not the same as a working migration. Verify these factors with Creem and a realistic destination.
- Export customers, products, prices, invoices, refunds, disputes, and tax evidence.
- Confirm whether saved payment credentials and recurring mandates can move without asking every customer to pay again.
- Map subscription intervals, currencies, anchors, trials, discounts, cancellation state, and legacy prices.
- Replace provider-specific checkout, portal, webhook, invoice, and entitlement behavior.
- Run old and new reporting in parallel until gross sales, fees, taxes, refunds, and payouts reconcile.
- Retain source records needed for accounting, support, disputes, and statutory obligations after cutover.
Sources and freshness.
Independently triple-checked against primary sources on 2026-07-29. Scheduled for review by 2026-09-28. Verify the linked source before making a production decision.
- Creem fees and payouts Reviewed 2026-07-29
- Creem refunds and chargebacks Reviewed 2026-07-29
- Creem Merchant of Record documentation Reviewed 2026-07-29
- Creem company and team Reviewed 2026-07-29
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