Merchants of record · November 2026 Edition
Creem vs 2Checkout
Zero of fourteen models named Creem first on the direct prompt; one named 2Checkout. Creem was named by eleven of the fourteen models and 2Checkout by nine and Creem carries 16 labels and 2Checkout 18, so the shares are not directly comparable.
Named in one category this edition.
Named in three categories this edition.
First-choice share14%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate25%22%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#7A position in a field of 12; printed, not drawn.
Labels1618A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Creem reading right to left. Rank and label count are printed, not drawn.Paddle was named alongside these two in thirteen of the fourteen direct answers. Paddle vs Creem · Paddle vs 2Checkout · Creem vs FastSpring
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the merchants of record page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
CreemFirst choices, of fourteen models2Checkout
Direct01
Paraphrase011 against 2Checkout
Comparative001 against 2Checkout
Budget-constrained701 against Creem
Scale-constrained00
Negative003 against Creem · 2 against 2Checkout
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Creem and 2Checkout stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | ||||||
| Gemini 3.5 Flash | | | ||||
| Perplexity Sonar | | | ||||
| Grok 4.20 | | | | | ||
| Mistral Small | | | | |||
| DeepSeek V4 Flash | | |||||
| Llama 4 Maverick | | | | |||
| Qwen 3.7 Flash | | | ||||
| Kimi K2 | | | ||||
| GLM 4.7 FlashX | | | ||||
| MiniMax M2.5 | | | | |||
| GPT-6 Luna | ||||||
| Muse Glimmer 30B | | |
Creem 2Checkout first choice named as an alternative argued againstblank: not namedEach cell is one answer, Creem on the left and 2Checkout on the right.The direct prompt
The plain question, one answer per model, grouped by where Creem and 2Checkout stood in it.
2Checkout first, Creem not the choice
1 of 14 modelsCreem was named in the answer but not as the choice, or not at all.MiniMax M2.52Checkout, Paddle alternatives: DualEntry
Neither was the first choice, one was named
2 of 14 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5Paddle alternatives: 2Checkout, Cleverbridge, FastSpring, PayPro Global
Grok 4.20Paddle alternatives: 2Checkout, Cleverbridge, FastSpring
Neither was named
11 of 14 modelsThe answer made no first choice from these two in this category.GPT-5.4 miniPaddle alternatives: FastSpring
Gemini 3.5 FlashFastSpring, Paddle alternatives: Adyen, Anrok, Avalara, Cleverbridge, PayPro Global, Stripe
Perplexity SonarPaddle alternatives: Cleverbridge, FastSpring
Mistral SmallPaddle alternatives: Cleverbridge, FastSpring
DeepSeek V4 FlashPaddle alternatives: Cleverbridge, FastSpring, Nexway, PayPro Global
Llama 4 MaverickPaddle alternatives: Cleverbridge, EBizCharge, FastSpring
Qwen 3.7 FlashPaddle alternatives: Cleverbridge, FastSpring
Kimi K2Paddle alternatives: FastSpring, Nexway, PayPro Global
GLM 4.7 FlashXno first choice
GPT-6 LunaPaddle alternatives: Cleverbridge, FastSpring
Muse Glimmer 30BPaddle alternatives: Cleverbridge, DualEntry, FastSpring, Nexway
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Creem leads by nineteen points.
Creem19%#2 of 122Checkout0%#– of 12Mid-marketThe figures above
Enterprise
The order flips: 2Checkout leads at enterprise.
2Checkout8%#5 of 9Creem0%#– of 9What the models said about Creem
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Creem is a merchant of record that has been reported to have issues with payment processing, with one user experiencing unexpected payment declines and customer account blocks.” Llama 4 Maverick · negative prompt · hard negative
“Do not use Creem/Dodo despite lower rates. Reliability > Margin here.” Qwen 3.7 Flash · budget prompt · hard negative
“Avoid Creem due to the reported payment and payout issues.” Mistral Small · negative prompt · hard negative
“The best merchant of record for a company with a limited budget is Creem, with a flat rate of 3.9% + 40¢ per successful transaction and no monthly fee.” Llama 4 Maverick · budget prompt · first choice
“For a truly limited budget: Creem offers the lowest published rates at 3.9% + $0.40 with no hidden fees.” Kimi K2 · budget prompt · first choice
“Creem is likely the best starting point if its eligibility and feature set fit your business” Perplexity Sonar · budget prompt · first choice
What the models said about 2Checkout
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“Frequent complaints about high fees (similar to 5% range), slow support, and aggressive chargeback handling.” Grok 4.20 · negative prompt · hard negative
“it's less specialized for pure B2B SaaS compared to the others (G2 rating ~3.9)” Grok 4.20 · paraphrase prompt · soft negative
“PayPro Global and 2Checkout are recommended resellers that handle global sales tax and payments for mid-sized B2B companies” Llama 4 Maverick · paraphrase prompt · first choice
“I'd recommend starting with either Paddle or 2Checkout/Verifone” MiniMax M2.5 · direct prompt · first choice
“Provides global tax and financial services, including VAT management, payment processing, reconciliation, refunds, and chargebacks.” Mistral Small · paraphrase prompt · alternative
Also compared
Paddle vs CreemPaddle vs 2CheckoutCreem vs FastSpringCreem vs Lemon SqueezyCreem vs PayPro GlobalCreem vs CleverbridgeCreem vs Digital RiverFastSpring vs 2CheckoutLemon Squeezy vs 2CheckoutPayPro Global vs 2CheckoutCleverbridge vs 2Checkout2Checkout vs Digital RiverAll twenty-eight head-to-head pages and the full merchants of record standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.