Tool profile
Creem: cost, fit and limits
Creem is a merchant of record platform made by Armitage Labs OÜ in Estonia that sells digital products for developers, taking a flat 3.9% plus $0.40 per successful transaction with APIs, SDKs, a CLI and webhooks.
What to know first
Creem's pay-as-you-go plan charges 3.9% plus $0.40 per successful transaction, shown with monthly and setup fees of $0. On the example in its pricing page, a $100 sale leaves $95.70. A Partner plan for higher-volume businesses has custom pricing. Cards, Apple Pay, Google Pay, Visa, Mastercard, Amex and Discover are named. Under Developers a link labeled CLI and agents appears without a description.
Creem at a glance
| Maker | Armitage Labs OÜ, Estonia |
|---|---|
| Free plan | No |
| Entry price | 3.9% + $0.40 per successful transaction |
| API access | Yes |
| Category | Best AI Merchant of Record Platforms in 2026, rank 6 of 13 |
| Website | creem.io |
Who Creem is best for
Indie developers launching a product
No monthly or setup fee means a first sale is the first cost, and the flat 3.9% plus $0.40 is easy to model for a small catalog.
Teams building against an API
APIs, SDKs, a CLI and webhooks are all named, so a developer can wire purchases into an app without relying on a no-code dashboard.
Sellers who want a European entity
The privacy policy names an Estonian company, which can ease questions from buyers who prefer a European contracting party. A buyer with strict requirements should treat the Creem claim as unverified until tested.
Creem plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Pay as you go | 3.9% + $0.40 per transaction | Charged on each successful transaction; the page shows monthly and setup fees as $0 and an example in which a $100 sale leaves $95.70. |
| Partner plan | Custom pricing | Described as for higher-volume businesses; the pages read do not say how it is billed or what volume qualifies. |
Checked November 2026.
What Creem does
- Developer tooling
- APIs, SDKs, a CLI and webhooks are named for developers, covering both programmatic setup and event notifications when a payment succeeds or a subscription changes.
- Payment methods
- Cards, Apple Pay, Google Pay, Visa, Mastercard, Amex and Discover are named, which covers the common consumer wallet and card choices for a digital product.
- Merchant of record for digital sales
- Creem presents itself as the merchant of record for digital sales. The pages we read do not list countries covered or the tax duties it carries.
- Agents link under Developers
- A link labeled CLI and agents appears under Developers. The page does not describe it, so no AI capability is confirmed. Legal review of the Creem terms can settle what the marketing pages leave open.
How Creem handles your data
The privacy policy we opened does not state whether customer data trains AI models, how long it is retained or where it is hosted, and the pages read mention no certification. The legal entity is Armitage Labs OÜ, an Estonian company, so European data protection law is the likely frame, though the policy text read did not spell out region. Ask in writing about hosting and deletion.
Where Creem falls short in practice
- Partner plan is unpriced. The only plan beyond pay as you go has no published price, so a seller that outgrows the flat rate cannot estimate its next step.
- No AI feature described. The CLI and agents link is not explained, so a buyer choosing for AI tooling has nothing concrete to evaluate. Open questions on this belong in a written inquiry to Creem before launch day.
- Thin data statements. Retention, hosting region and certifications are not stated on the privacy page, which leaves security reviewers to ask questions. This is what Creem states publicly, and no more detail was found on the pages read.
Alternatives to Creem
Creem: common questions
How much does Creem charge per sale?
The pay-as-you-go plan charges 3.9% plus $0.40 per successful transaction, with monthly and setup fees shown as $0. The pricing page example shows a $100 sale leaving $95.70. A Partner plan for higher volume has custom pricing. Read the current terms of Creem on the day you decide, since vendor pages change often.
Where is Creem based?
The privacy policy names Armitage Labs OÜ, and the vendor pages we read place it in Estonia. That is a European legal entity. The pages do not say where customer data is hosted, so ask about hosting separately. Ask Creem support to confirm this in writing before your first live order.
Does Creem have an AI feature?
A link labeled CLI and agents appears under Developers, but the page does not describe what it does. We therefore list no confirmed AI feature. Ask the vendor whether it offers an MCP server or agent access before relying on it.
What developer tools does Creem offer?
Creem names APIs, SDKs, a CLI and webhooks. The pages read do not list supported languages or rate limits. Check the documentation for the language you use and test webhook retries before going live. A seller should test this point in a sandbox account with Creem before relying on it.
What payment methods does Creem support?
The pages name cards, Apple Pay, Google Pay, Visa, Mastercard, Amex and Discover. They do not list local methods such as bank debits, so a seller with buyers who prefer those should ask about availability. Our reading covers only the public pages of Creem visited in November 2026.