Stop guessing which one. Put them side by side.

The grid says what these tools are. This says what builders did about it — one decision per person, changeable whenever you change your mind.

# Tool comparison — Creem vs Autumn vs Dodo Payments

Source: Kbaise, a directory of tools that work with Lovable projects.
Pick one and tell me why before writing any integration code.

## Creem (creem)
- URL: https://www.creem.io
- Category: Payments & billing
- Cost: paid — 3.9% + $0.40 per transaction, MoR · optional Pro plan $99/mo
- What it is: 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 builders pick it: 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.
- Trap: 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.
- Full dossier: /api/public/tools/creem

## Autumn (autumn)
- URL: https://useautumn.com
- Category: Payments & billing
- Cost: mixed — Free to ~$8k/mo processed · $375/mo to $50k · self-host free (Apache-2.0)
- What it is: Open-source billing layer that sits between your app and Stripe. It moves pricing from code into config and handles subscription state, usage metering, credits, entitlements and upgrade or downgrade proration, returning Stripe Checkout URLs. Stripe remains the processor, so Autumn is not a merchant of record.
- Why builders pick it: Kills the worst part of a Stripe integration — webhook handling and feature gating — behind calls like check and track, so usage-based AI pricing takes an afternoon instead of a sprint.
- Trap: Not an MoR: Stripe fees and your own global tax obligations still apply on top. The hosted free tier stops around $8k processed per month and the next step is a steep $375/mo, though Apache-2.0 self-hosting is an escape hatch.
- Wiring: npm i autumn-js
- Full dossier: /api/public/tools/autumn

## Dodo Payments (dodo-payments)
- URL: https://dodopayments.com
- Category: Payments & billing
- Cost: paid — 4% + $0.40 US · +1.5% intl · +0.5% subscriptions · MoR
- What it is: Merchant of record covering 220+ countries with unusually strong India and emerging-market support. Charges 4% + $0.40 on domestic US transactions, plus 1.5% for international cards and 0.5% for subscriptions. Handles tax compliance, chargebacks and invoicing across 40+ payment methods and 80+ currencies.
- Why builders pick it: The practical choice if you are based outside the US or EU — India especially — where Stripe onboarding and payouts are painful, while still giving you merchant-of-record tax coverage.
- Trap: The headline 4% is only a base rate: international cards, subscriptions and buy-now-pay-later stack surcharges that can push real cost past 6%. Payouts under $1,000 carry a $5 fee and USD SWIFT transfers cost $25.
- Full dossier: /api/public/tools/dodo-payments

## Rules
1. Prefer the free tier when no budget was stated, and say what the ceiling is.
2. Read the full dossier before integrating.
3. Fetch /api/public/models before writing any AI model ID.

Agents can fetch the same thing: GET /api/public/compare?slugs=creem,autumn,dodo-payments