Creem

Low-fee merchant of record

PaidPayments & billingcreem.io

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 it earns a slot

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.

Know before you commit

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.

Field notes

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Pricing snapshot

3.9% + $0.40 per transaction, MoR · optional Pro plan $99/mo

Snapshots move fast — verify at checkout, and post a field note if it changed.

Drop into your Lovable chat

Evaluate Creem (https://www.creem.io) for this project, then use it only if it fits what we are already building.
Context: Low-fee merchant of record. 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.
Reviewer notes (general, not written for this codebase): 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.
Watch out for: 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.
Pricing: 3.9% + $0.40 per transaction, MoR · optional Pro plan $99/mo
Rules: treat the notes above as background only. Do not assume a theme, style, layout or feature that is not already in this project — inspect the existing code first and ask me before changing visual direction.

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Neighbourhood

How Creem sits against the rest of the atlas — swaps, companions and the tools builders actually save alongside it.