# Creem Fees 2026: 3.9% + 40¢ per Sale, Plus Payout Fees

> Creem charges 3.9% + $0.40 per sale, $0 a month, plus a payout fee of $7 or 1% and 2% on USDC payouts. The full cost, with an example.

Source: https://agentaos.ai/answers/creem-fees (canonical HTML page). Publisher: AgentaOS (Aristokrates OÜ, Estonia).

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Fees compared

# 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.

Reviewed by [Panche Isajeski](https://agentaos.ai/about), founder of AgentaOS, 19+ years in payments, [featured on Indie Hackers](https://www.indiehackers.com/post/tech/starting-from-scratch-and-hitting-9-5k-mrr-in-two-months-j5pMaED5FEbKw8qmeyj9). Checked 20 October 2026. General information, not financial, tax or legal advice.

[Work out what you keep on a sale: fee calculator](https://agentaos.ai/compare)

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The fees

## 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](https://www.creem.io/pricing), [Creem payouts docs](https://docs.creem.io/merchant-of-record/finance/payouts).

> “Creem charges 7 USD/EUR or 1% of the payout amount, whichever is higher”
>
> Source: [Creem docs, Payouts](https://docs.creem.io/merchant-of-record/finance/payouts)

All-in, first year

## 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](https://agentaos.ai/compare). 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.

Beyond the fee

## What else should I *compare*?

- **Country coverage**Creem pays out in 87 countries but not Kosovo; AgentaOS pays out in 86, including Kosovo by wallet. [Who pays out where](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country).
- **Stablecoin payouts**Creem: 2% of the payout. AgentaOS: 1% + €2 on top of the 1% payout fee.
- **Help with pricing**AgentaOS includes Pricing Intelligence, which tells you what to charge.

Where AgentaOS fits

## Where does *AgentaOS* fit?

Pick on the full monthly cost for your country and volume. [Run your numbers](https://agentaos.ai/tools/payout-calculator). Side by side: [AgentaOS vs Creem](https://agentaos.ai/creem-alternative).

Change how you sell. Grow revenue 4×.

Answer 3 questions and get a free audit of your price and checkout, from the founder. Free, in 2 working days.

[Get my free audit →](https://agentaos.ai/apply?src=seo-answers-creem-fees)

Questions

## 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](https://docs.creem.io/merchant-of-record/finance/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.

Keep reading

## Related

[What does Paddle charge? Paddle fees explained](https://agentaos.ai/answers/paddle-fees)[Which Merchant of Record pays out to my country?](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)[Cost calculator: doing it yourself](https://agentaos.ai/compare)

Sources: [Creem pricing](https://www.creem.io/pricing) · [Creem payouts docs](https://docs.creem.io/merchant-of-record/finance/payouts) · [Creem supported countries](https://docs.creem.io/merchant-of-record/supported-countries)

## Merchant of Record directory

Every provider’s fees, read on its own price page. Pick one, or see them all in one table.

- [All side by side](https://agentaos.ai/merchant-of-record-fees)
- [Supported countries](https://agentaos.ai/answers/which-merchant-of-record-pays-out-to-my-country)
- [Paddle 5% + \$0.50](https://agentaos.ai/answers/paddle-fees)
- [Lemon Squeezy 5% + \$0.50](https://agentaos.ai/answers/lemon-squeezy-fees)
- [Polar from 5% + \$0.50](https://agentaos.ai/answers/polar-fees)
- [Dodo Payments 4% + \$0.40](https://agentaos.ai/answers/dodo-payments-fees)
- [Creem 3.9% + \$0.40](https://agentaos.ai/answers/creem-fees)
- [Gumroad 10% + \$0.50](https://agentaos.ai/answers/gumroad-fees)
- [Whop from 2.7% + \$0.30](https://agentaos.ai/answers/whop-fees)
- [Stripe 2.9% + \$0.30, not a MoR](https://agentaos.ai/answers/stripe-fees)

Calculator: [Creem fee calculator](https://agentaos.ai/tools/creem-fee-calculator)