The PSPDex payments briefing
New providers, real rates, high-risk approvals. No spam.
The PSPDex payments briefing
New providers, real rates, high-risk approvals. No spam.
Merchant of record built for AI products and indie SaaS
Last verified: October 2026
Creem is a merchant of record built for indie SaaS, AI tools and digital products. Creem is the legal seller on every transaction: it processes the payment, calculates, collects, files and remits VAT, GST and sales tax, issues a compliant invoice on every sale, and takes on fraud screening and chargeback liability, so sellers never register for VAT in a country they have never visited. Customers can buy from 190+ countries with local payment methods shown at checkout, and anyone can sell as an individual or a registered business after a quick identity or business verification. Beyond checkout, Creem bundles the billing shapes AI products need: credit wallets, usage-based pricing with custom meters (per generation, call or minute), subscriptions, native license key issuance with activation caps, revenue splits that route a share of every sale to co-founders or partners automatically, a built-in affiliate program, short links, and an API, CLI and MCP server so an AI agent can create products, spin up checkouts and manage subscriptions programmatically.
Pricing
3.9% + $0.40 per successful transaction, the same rate for one-time payments and subscriptions, all card types and all countries, with no international card fees. No monthly fees, no setup fees, no minimums. Tax, invoicing, compliance and dispute handling included. Payouts processed on the 1st and 15th of each month to a bank account or USDC wallet. A Partner plan with custom pricing exists for higher volume.
Best for