Global payments
Use hosted checkout and accept cards, PayPal, Apple Pay, Google Pay, and other payment methods while charging customers in their currency.
Creem
Creem is a payments and monetization platform for software and digital products. It provides checkout, billing, merchant-of-record services, usage-based pricing, payouts, affiliate tools, and developer interfaces for selling online.
Overview
Creem is a payments and monetization platform for software and digital products. It combines checkout, payment processing, merchant-of-record services, billing, payouts, affiliate tools, attribution, and analytics so developers can sell without assembling each function separately.
The platform is designed for products with one-time purchases, subscriptions, prepaid credits, or usage-based charges. Creem handles payment and tax operations on sales, while its dashboard and developer interfaces support product setup, customer billing workflows, partner payouts, and usage-event tracking. It also supports AI-agent operation through an MCP server, CLI, API, SDKs, and webhooks.
Core features
Merchant-of-record services
Creem acts as merchant of record and handles VAT, GST, and sales-tax calculation, collection, filing, and remittance, along with invoices, fraud screening, and chargebacks.
Credit wallets and usage billing
Sell prepaid credit packs or charge for measured consumption such as generations, API calls, minutes, tokens, images, or other defined units. Usage can include allowances and optional caps.
Subscription and metered billing
Configure subscriptions, free trials, discounts, seat-based billing, and custom meters from the dashboard, with usage visibility by customer and period.
Affiliate and revenue sharing
Recruit affiliates, assign product- or affiliate-specific commissions, split revenue among collaborators, and pay participants from the same balance.
Attribution and developer automation
Create trackable short links and QR codes with options including password, geographic, and device targeting. Products and store actions can also be managed through the API, SDKs, CLI, MCP server, and webhooks.
Practical use cases
Selling subscription software
Create a hosted checkout for a SaaS product, manage recurring plans, and provide billing-portal workflows for renewals, cancellations, discounts, and refunds.
Monetizing AI and API usage
Sell prepaid credit packs and deduct balances as customers consume generations, API calls, tokens, minutes, or other metered units.
Selling digital products globally
Launch a product internationally while using Creem for payment collection, tax handling, invoices, fraud screening, chargebacks, and scheduled payouts.
Running partner and affiliate sales
Recruit partners, define commissions, split sale revenue among collaborators, and use short links or QR codes to attribute conversions.
Automating store operations
Use the MCP server, CLI, API, or webhooks from an agent, Slack bot, cron job, or other automation to create products, monitor sales events, and trigger billing actions.
Pros and Cons
Pros
- Combines checkout, billing, taxes, invoices, fraud handling, chargebacks, and payouts in one service.
- Supports both conventional subscriptions and flexible monetization models such as credit wallets and custom usage meters.
- Includes affiliate commissions, revenue splits, and short-link attribution without requiring separate tools for those workflows.
- Offers developer and AI-agent interfaces including an API, SDKs, CLI, MCP server, and webhooks.
- Provides international selling support, with the site describing customers in more than 190 countries and multiple payment methods.
Cons
- The standard transaction fee includes both a percentage and a fixed charge, which may matter for low-value transactions.
- The fee calculator presents estimates rather than quotes, and actual charges can vary by country, payment method, volume, and provider policy.
- The supplied site content does not establish the full list of integrations, regional restrictions, or detailed implementation requirements.
FAQ
What does Creem handle for a digital product business?
Creem provides hosted checkout, payment processing, subscription management, taxes, invoicing, fraud screening, chargeback handling, payouts, affiliates, revenue splits, usage billing, and sales attribution from one platform. The source does not document every setup step or workflow limitation.
Can Creem be managed through an AI agent or developer tools?
Creem offers an MCP server, API, SDKs, CLI, webhooks, and a skill file for AI-agent workflows. The site shows agents creating products, opening checkouts, wiring verified webhooks, and performing actions such as creating discount codes, generating billing portal links, and issuing refunds.
How is Creem priced?
The standard pay-as-you-go rate is 3.9% plus $0.40 USD per successful transaction, with no monthly or setup fees stated on the pricing page. Higher-volume businesses can contact Creem for custom pricing.
When are payouts processed?
Creem says payouts are processed on the 1st and 15th of each month to a bank account or USDC wallet. Arrival time depends on the selected payout method.
Which payment methods and markets does Creem support?
Creem supports major credit and debit cards, Apple Pay, Google Pay, and additional payment methods. The site also describes customer charges in local currency and sales to customers in more than 190 countries; exact availability can vary by region and payment method.
Quick Facts
- Category
- Payments and monetization platform
- Primary users
- Software and digital-product builders
- Pricing
- 3.9% + $0.40 USD per successful transaction; no monthly or setup fees stated
- Merchant of record
- Yes; Creem handles listed tax, invoice, fraud, and chargeback responsibilities
- Developer access
- API, SDKs, CLI, MCP server, and webhooks
- Payout schedule
- Processed on the 1st and 15th of each month, according to the pricing page
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