Creem
Creem · Business
Creem is a merchant of record built for developers selling software and AI products worldwide. It handles payments, taxes, subscriptions, and payouts so you can focus on shipping.
About Creem
What Is Creem
Creem is a payment platform for developers and a merchant of record that sells itself as the money layer for the AI era. As a payment platform for developers, it strips out the tax and compliance work that usually comes with selling abroad. The idea is simple: you build the product, and Creem becomes the legal seller on every sale. That means it processes the payment, works out the tax, issues the invoice, and takes on fraud and chargebacks, across more than 190 countries.
For a solo developer or a small team, that's a load off. Selling internationally without a merchant of record means registering for tax, filing returns, and fighting disputes market by market. Creem folds all of it into one account, and it charges for that service only when a sale goes through.
The platform leans hard into the AI angle. Alongside one-time payments and subscriptions, it sells credit wallets and usage based billing, so you can charge per generation, per call, or per minute. It also ships an API, a TypeScript SDK, a Next.js adapter, and a CLI, plus a setup flow an AI agent can drive on its own. The main trade-off is dependence. Creem is the seller of record, so you hand over tax compliance and dispute handling to a third party and pay a higher rate per transaction than a plain processor would charge.
Getting Started
- Sign up on the Creem site and complete the quick identity or business check as an individual or a registered company.
- Add a product in the dashboard, then set its price, currency, and whether it bills once or on a repeating schedule.
- Drop the checkout on your own site or share a payment link, and style it with your logo and colours so buyers stay on your brand.
- Watch sales, subscriptions, and usage in the dashboard, or drive the same actions through the API, CLI, or an AI agent.
- Get paid out to your bank account or a USDC wallet on the 1st and 15th of each month.
Product Information
A quick look at Creem's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- Solo developers
- Small SaaS teams
- Indie AI builders
Tasks
- Accepting global payments
- Setting up subscriptions
- Charging by usage
- Paying partners
Scenarios
- Launching an AI app this weekend
- Running an affiliate program
- Selling to customers abroad
Key features
Merchant of Record
Creem is the legal seller on every transaction, which is the whole point of the platform. It calculates, collects, files, and remits VAT, GST, and sales tax across more than 190 countries, including EU, UK, US, and South Korea rules. Fraud screening and chargeback liability sit with Creem, not with you, so a disputed sale doesn't land on your books.
Credit Wallets and Usage Billing
This is the feature built for AI products. You sell prepaid credit packs, and your app debits the balance per generation, call, or minute, with auto-refill when it runs low. You can also attach a per-unit price to any product with a free allowance and an optional cap, matching how generative tools get billed in practice.
Custom Meters
Creem lets you define the unit yourself, whether that's tokens, images, minutes, or API calls, and it handles the counting for you. You send usage events to the API, and Creem aggregates them per customer and per period. It's the difference between guessing at a flat rate and charging for what people actually use.
Affiliates and Revenue Splits
Instead of bolting on a separate affiliate tool, Creem tracks every referral and pays partners from the same balance you get paid from. You set flexible commissions per product and per affiliate, verify who joins, and split a share of each sale with co-founders or licensors automatically.
Developer Tooling
Everything in the dashboard is scriptable, which is a real draw for teams that automate their stack. Creem ships a TypeScript SDK for Node.js, Deno, and Bun, a Next.js adapter with server actions and webhook handling, and a CLI that outputs JSON for scripts. It also offers an agent onboarding flow, so an AI assistant can set up a store on its own.
Global Checkout and Payouts
Checkout runs in the buyer's currency and supports cards, PayPal, Apple Pay, and Google Pay, and you can host it on your own domain with your own branding. Payouts land on the 1st and 15th of each month, to a bank account or a USDC wallet, on a schedule you can plan around.
Pros and cons
Pros
- Takes on tax, compliance, fraud, and chargebacks as the merchant of record, so you skip the paperwork of selling abroad.
- Usage based billing and credit wallets fit AI products that charge per generation, call, or minute.
- API, SDK, CLI, and webhooks mean the whole platform can be driven from code or an AI agent.
- Affiliates and revenue splits share one balance and one payout schedule, so you skip a separate tool.
- One flat rate of 3.9% plus 40 cents per transaction, with no monthly fee or setup cost.
Cons
- Costs more per transaction than a plain processor like Stripe, and you pay that premium for the compliance work you hand off.
- As the seller of record, Creem sits between you and your customers, which limits how much you control the buying relationship and the customer record.
- There's no free plan, so you only find out how the platform feels once you've made a sale.
- Topping out the simpler plans means moving to custom enterprise pricing, which takes a sales call.
Frequently asked questions
Creem is a merchant of record for selling software, digital products, and AI tools worldwide. It handles payments, taxes, invoices, fraud, chargebacks, affiliates, and payouts, so you can sell globally without managing tax yourself.
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