Back to billing

Creem

3.9% + 40¢ per transaction (after $1,000 free processing)
4.4/5

Fast-approved Merchant of Record for SaaS with AI insights and affiliate tools

Why founders use Creem

Subscription and recurring billing
Merchant of Record (tax compliance)
License key management
Global payment methods
Affiliate program management
Smart dunning rules
Customer self-service portal
AI insights for revenue optimization

The Good

0% fees on first $1,000 processed
Faster approval than Lemon Squeezy
Merchant of Record (full tax compliance)
3.9% + 40¢ (cheaper than competitors)
AI-powered payment insights

The Bad

Very new platform with smaller team
Fewer third-party integrations
Limited feature parity vs established players
Smaller user community

The Verdict

Creem is a newly funded payment platform built specifically for indie hackers and SaaS developers who are frustrated with lengthy verification processes and want rapid deployment. The platform acts as a Merchant of Record (handling taxes, fraud, compliance) while offering 20% cheaper fees than Lemon Squeezy (3.9% + 40¢). What sets Creem apart: founder-friendly onboarding (often approved within days), built-in AI assistant for payment data insights, and developer-centric tools.\n\nCreem is particularly attractive for early-stage founders: zero fees until you process $1,000 in revenue, helping you validate product-market fit without burning cash on payment infrastructure. The platform supports subscriptions, one-time charges, license keys, and affiliate programs. For indie hackers tired of multi-week Stripe Connect verification, Creem's rapid approval and founder-first mentality is genuinely refreshing.

Daily Newsletter

Join 10,000+ indie hackers building in public

We curate the top launches, revenue milestones, and growth tactics — so you don't have to scroll for hours.

Trusted by indie hackers shipping real products.