What does Creem charge? Creem fees explained
The problem“Creem says 3.9% + 40 cents. Is that really all I pay?”
3.9% + $0.40 per sale, with no monthly fee, plus a payout fee. Each bank payout costs $7 or €7, or 1% of the payout if that is higher; USDC payouts cost 2%. Splits and affiliate sales add 2%. Creem pays out twice a month, on the 1st and 15th, once your balance reaches $50 or €50. On ten $100 sales paid out once, about $947 reaches your bank. All-in, a first year at €2,000 a month is about €1,642, time included.
What are all of Creem’s fees?
| Fee | Creem |
|---|---|
| Per sale | 3.9% + $0.40 |
| Monthly | $0 |
| Bank payout | $7 / €7 or 1%, whichever is higher |
| USDC payout | 2% of the payout |
| Splits or affiliate sales | +2% each |
| Currency conversion | Bank partner’s fee if your account currency differs |
| Payout schedule | 1st and 15th, from $50 / €50 |
Sources: Creem pricing, Creem payouts docs.
“Creem charges 7 USD/EUR or 1% of the payout amount, whichever is higher”
Source: Creem docs, Payouts
What does Creem cost all-in, against AgentaOS and Paddle?
| First year, all-in | Creem | AgentaOS | Paddle |
|---|---|---|---|
| Card and payout fees | €1,357 | €1,725 | €1,800 |
| Subscription billing | Included | Included | Included |
| Tax registration and filing abroad | Included | Included | Included |
| Company and accountant | Not needed | Not needed | Not needed |
| Your time | 9.5h · €285 | 9.5h · €285 | 9.5h · €285 |
| Total first year | €1,642 | €2,010 | €2,085 |
First year, selling €2,000 a month (€50 average, half the buyers abroad, subscriptions). Your time (setup, invoicing, tax and bookkeeping each month) valued at €30 an hour. Sources: each provider’s pricing page; company and accountant costs from Stripe Atlas, the State of Delaware, e-resident.gov.ee and enty.io, as on our cost calculator. Without the $15 SWIFT fee (SEPA/ACH payouts): €360 less.
Honestly: all three are Merchants of Record, so tax, invoices and filings are included and your time is about the same. The difference is fees, and Creem is the cheapest: about €368 less than AgentaOS in the first year at this volume.
Against doing it yourself with Stripe and a US company (€5,957 all-in), any of the three saves you thousands and about 50 hours.
What else should I compare?
- Country coverageCreem pays out in 87 countries but not Kosovo; AgentaOS pays out in 86, including Kosovo by wallet. Who pays out where.
- Stablecoin payoutsCreem: 2% of the payout. AgentaOS: 1% + €2 on top of the 1% payout fee.
- Help with pricingAgentaOS includes Pricing Intelligence, which tells you what to charge.
Where does AgentaOS fit?
Pick on the full monthly cost for your country and volume. Run your numbers. Side by side: AgentaOS vs Creem.
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Related questions
When and how does Creem pay out?
Twice a month, on the 1st and the 15th, once your balance reaches 50 USD or 50 EUR; dates on a weekend or holiday move to the next business day. Bank payouts cost 7 USD/EUR or 1% of the payout, whichever is higher. You can also take USDC on Polygon for 2% of the payout. Some countries have bank transfer limits, so check Creem’s supported countries list. Source: Creem docs, Payouts.
Does Creem charge a monthly fee?
No, $0 a month and $0 setup.
Is Creem a Merchant of Record?
Yes, it handles tax and chargebacks as the seller.
Can you sell from your country?
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86 countries, checked 6 October 2026No company needed
Merchant of Record directory
Every provider’s fees, read on its own price page. Pick one, or see them all in one table.