Creem
3.9% + 40¢ per transaction (after $1,000 free processing)Fast-approved Merchant of Record for SaaS with AI insights and affiliate tools
Why founders use Creem
The Good
The Bad
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.