Merchant of record fee guide

Creem fee calculator

A digital-product merchant of record with a low public baseline. A baseline estimate for Creem’s public merchant-of-record price per successful transaction.

Source checked Creem pricing

Quick calculator

Sale breakdown

USD
$

Estimated fees

−$4.30

You keep

$95.70
Effective rate4.30%

Reference estimate based on 3.9% + $0.40. Excludes taxes, refunds, optional services, currency conversion, and special pricing.

Included in this estimate

What the math covers

  • Merchant-of-record tax handling
  • Billing, invoices, and dispute workflows
  • No setup, monthly, or minimum fee

Watch the edges

What can change your result

  • Affiliate and revenue-split features can add fees
  • Eligible product and account requirements apply
  • Payout method and currency costs can vary

Who can apply

Entity type and onboarding.

Eligibility source
Individual

Conditionally supported. Creem accepts a natural person, but the seller must be properly registered as a business or self-employed person where local law requires it.

Sole trader / self-employed

Supported when the seller has the required local self-employment or business registration and completes verification.

Registered company

Supported. Legal entities must disclose ownership, representatives, jurisdiction, and business activity for verification.

Common onboarding requirements
  • Provide identity or legal-entity documents and beneficial-owner details when requested
  • Disclose country, tax residency, tax status, products, websites, and expected activity
  • Complete compliance review before live checkout and payouts are enabled
Official source: Creem merchant terms. Approval remains account-, product-, and country-specific.

Reference rate

3.9% + $0.40Fees change by country, plan, payment method, and account history. ClearFeeMath estimates are planning tools, not invoices.

Common questions

How much does Creem take?

Our baseline model uses 3.9% + $0.40. Actual fees can vary by country, plan, product category, payment method, and account terms.

What is included in this Creem estimate?

Merchant-of-record tax handling, Billing, invoices, and dispute workflows, No setup, monthly, or minimum fee. Costs listed under “Watch the edges” are not included unless the calculator states otherwise.

Can an individual or sole trader use Creem?

Conditionally supported. Creem accepts a natural person, but the seller must be properly registered as a business or self-employed person where local law requires it. Supported when the seller has the required local self-employment or business registration and completes verification.

Is this the exact amount Creem will charge?

No. This is a planning estimate based on the linked public pricing source. Your account statement and current Creem terms take precedence.

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