{
  "slug": "creem",
  "name": "Creem",
  "url": "https://www.creem.io",
  "cat": "pay",
  "group": "back",
  "tagline": "The money platform for the AI era.",
  "price": "Usage-based pricing, credit packs, and specific product prices (e.g., SaaS Kit $129), with a $99/mo option mentioned.",
  "tier": "paid",
  "pick": false,
  "what": "Merchant of record for indie SaaS and digital products at 3.9% + $0.40 per transaction, the cheapest headline MoR rate in this list. Handles VAT, GST and sales tax across 190+ countries, plus subscriptions, chargeback protection and revenue splits, with payouts on the 1st and 15th.",
  "why": "Roughly a full percentage point cheaper than Paddle or Lemon Squeezy on every sale while still taking tax compliance off your plate — a gap that compounds as revenue grows.",
  "warn": "Younger and smaller than Paddle or Stripe, so platform risk is real: merchant payouts are documented for only about 86 countries, and routing all of your revenue through a startup processor is itself a bet.",
  "format": "text",
  "category": {
    "key": "pay",
    "name": "Payments & billing",
    "desc": "Merchant-of-record versus gateway is the choice that actually matters.",
    "group": "back",
    "groupName": "Give it a backend"
  },
  "freshness": null,
  "health": {
    "ok": true,
    "status_code": 200,
    "final_url": "https://www.creem.io/",
    "checked_at": "2026-10-02T18:30:06.767+00:00"
  },
  "corrected_at": "2026-09-18T01:30:05.966+00:00",
  "upstream_changed_at": null
}