Creem: The Cheapest Merchant of Record
A flat 3.9% + $0.40 per transaction. No monthly fees. Global sales tax and VAT handled for you.
Active offer
3.9% + $0.40, flat
Creem is a merchant of record for digital businesses at a flat 3.9% + $0.40 per sale, with no setup or monthly fees and tax handled globally. That undercuts Paddle, Lemon Squeezy, and most alternatives, which run 5% to 10%.
Start selling with CreemNo setup or monthly fees · Global sales tax and VAT included
Why Creem costs less than Paddle or Lemon Squeezy
There is no coupon here. The saving is the fee itself. Here is where the lower rate comes from.
1. One flat rate, no add-ons
3.9% + $0.40 per transaction covers it. No monthly fee, no setup fee, no separate charges for tax handling or currency conversion. You can predict your costs from a single number.
2. Tax and VAT handled as the merchant of record
Creem sells as the legal merchant, so it calculates, collects, and remits sales tax and VAT globally. That compliance work is included in the rate, not billed on top like it is with a plain payment processor plus a tax add-on.
3. Lower than the usual merchant-of-record fee
Paddle is around 5% + $0.50 and other platforms reach 7% to 10% on international cards. On the same sale, Creem's 3.9% + $0.40 leaves more with you, and the gap widens as volume grows.
Every way Creem saves you money
No promo code, the price is the offer. Here is what that gets you.
Flat 3.9% + $0.40 per transaction
The headline Creem deal: one flat rate on every sale, lower than Paddle's ~5% + $0.50 and far below the 7-10% some platforms charge on international cards. More of each sale stays with you.
Start selling with CreemNo monthly or setup fees
You pay only when you make a sale. No platform subscription, no onboarding fee, so it costs nothing to keep Creem running through slow months, which suits early or seasonal products.
Global tax handled, no add-on
As the merchant of record, Creem collects and remits sales tax and VAT worldwide. That compliance work is inside the 3.9% + $0.40, not a separate tax-handling bill like a processor-plus-tax-tool stack.
Built-in affiliate program
Creem includes an affiliate and referral system, so you can run your own affiliate program on top without paying for a separate tool. One less subscription in the stack.
Creem Pricing FAQ
Common questions about Creem's fees, how it compares to Paddle and Lemon Squeezy, and what a merchant of record does.
No, and it does not need one. Creem's offer is its price: a flat 3.9% + $0.40 per transaction with no monthly or setup fees. That is already below what Paddle, Lemon Squeezy, and most merchant-of-record platforms charge, so there is no coupon to chase, the low rate is the deal.
Creem charges a flat 3.9% + $0.40 per successful transaction, with no setup fee and no monthly fee. As a merchant of record it also handles global sales tax and VAT for you, which is bundled into that rate rather than billed as an add-on.
Usually, yes. Paddle runs around 5% + $0.50 per transaction and Lemon Squeezy around 5% plus card fees, while other platforms reach 7% to 10% on international card payments. Creem's flat 3.9% + $0.40 is lower across most real-world sales, especially international subscriptions on premium cards.
A merchant of record sells your product as the legal seller, so it collects and remits sales tax and VAT worldwide on your behalf. That removes the biggest compliance headache of selling software globally. Creem, Paddle, and Lemon Squeezy are all merchants of record; the difference is the fee, and Creem's is the lowest of the three.
Creem is a merchant-of-record payment platform used by indie SaaS and digital businesses, with tax handling, fraud screening, and payouts built in. If you see a Creem.io charge on your card, it means a product you bought uses Creem to process payments, it is the seller of record for that purchase.