Creem acts as merchant of record and contractual reseller.
2026-05-24
tax/MoR
high
“merchant of record and contractual reseller”
Official merchant terms; legal entity is Armitage Labs OU in Estonia.
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C
medium confidence
Public sources only
Verified 2026-05-24
Creem
Creem is a newer Merchant of Record aimed at indie SaaS, software and AI tools, and its pull is price: 3.9% plus 40¢ is among the lowest in the category. It becomes the legal seller and handles VAT and sales tax for you, but it draws clear lines — no marketplaces, physical goods, adult content or deepfake tools. As a younger provider, confirm the details that matter to you before moving real volume.
True Merchant of Record MoR / reseller
Creem is the legal seller of record.
2026-05-24
legal_seller
high
“We are the legal seller of record.”
Creem supports software, SaaS, AI tools, courses, templates and digital products.
2026-05-24
eligibility
high
“Sell digital products, templates, courses, or software licenses”
Creem prohibits marketplaces and physical goods.
2026-05-24
eligibility_limit
high
“Physical goods of any kind”
Same policy also lists marketplaces and many regulated/restricted categories.
Creem supports merchant payouts in 86 countries.
2026-05-24
countries
high
“We provide payouts to merchants in 86 countries.”
Creem handles VAT, GST and sales tax, but public coverage counts conflict.
2026-05-24
tax
medium
“VAT, GST, and sales tax across 190+ countries.”
Pricing page says 50+ countries, so exact tax-jurisdiction coverage needs confirmation.
Creem pricing is 3.9% + 40 cents per successful transaction.
2026-05-24
pricing
high
“3.9% + 40c per successful transaction.”
Additional 2% for revenue splits/affiliate platform; 25 USD/EUR chargeback fee.
Caveats
- • Creem is currently invite-only according to its FAQ.
- • Official tax coverage statements conflict between 190+ countries and 50+ countries.
- • EU B2B tax-exempt checkout appears partly roadmap-dependent.
- • AI image/video products must integrate Creem moderation from May 1, 2026.
- • No physical goods or marketplace models.
Accepted or likely accepted
- SaaS Accepted
- Downloadable software Accepted
- AI tools Accepted
- Online courses Accepted
- Digital downloads Accepted
- Ebooks Accepted
- Templates Accepted
Risky, refused or unclear
- Marketplaces Refused
- Physical goods Refused
Unclear
- Mobile apps Unclear
- 1:1 coaching Unclear
- Group coaching Unclear
- Consulting Unclear
- Communities Unclear
Tax coverage
- EU VAT
- Yes
- UK VAT
- Yes
- US sales tax
- Yes
- Canada GST/HST
- Verify
- Australia GST
- Verify
Creem claims VAT/GST/sales-tax handling, but official pages conflict between 190+ countries and 50+ countries.
Product features
- Hosted checkout
- Yes
- API
- Yes
- Subscriptions
- Yes
- One-time payments
- Yes
- Installments
- No
- Usage-based billing
- Yes
- Refund handling
- Yes
- Chargebacks
- Yes
- Affiliate system
- Yes
Geography and payouts
- Seller countries
- Merchant payouts supported in 86 listed countries; unsupported/sanctioned regions excluded.
- Customer countries
- Purchases supported globally except Creem's unsupported country/region list.
- Payout countries
- Payouts by local bank transfer in 86 countries; Stripe Connect in 35 countries; USDC stablecoin payout available.
- Payout currencies
- Payouts are processed in the registered bank-account currency; minimum payout 50 USD or 50 EUR.
Source links
- Creem Terms terms
Information missing?
Some provider details may be incomplete, unclear or not publicly documented yet. If you work at Creem, use the email below to send us official sources for pricing, VAT coverage, accepted products, payout countries, invoices or Merchant of Record responsibility.
We prioritize official documentation links and written provider confirmations. Sponsorship never changes editorial ratings.
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