Merchants of record · November 2026 Edition
Creem vs Digital River
Zero of fourteen models named Creem first on the direct prompt; zero named Digital River. Creem was named by eleven of the fourteen models and Digital River by eight and Creem carries 16 labels and Digital River 10, so the shares are not directly comparable.
Named in one category this edition.
Digital River
criticized challengerNamed in one category this edition.
First-choice share14%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate25%40%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#8A position in a field of 12; printed, not drawn.
Labels1610A 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 Digital River · 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 modelsDigital RiverDirect00
Paraphrase00
Comparative001 against Digital River
Budget-constrained701 against Creem
Scale-constrained01
Negative003 against Creem · 3 against Digital River
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 Digital River stood in it.
| Model | DirectDR | ParaphraseDR | ComparativeDR | Budget-constrainedDR | Scale-constrainedDR | NegativeDR |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | ||||||
| GPT-5.4 mini | ||||||
| Gemini 3.5 Flash | | DR | ||||
| Perplexity Sonar | DR | | DR | |||
| Grok 4.20 | ||||||
| Mistral Small | | DR | | |||
| DeepSeek V4 Flash | | |||||
| Llama 4 Maverick | | | ||||
| Qwen 3.7 Flash | DR | | ||||
| Kimi K2 | | |||||
| GLM 4.7 FlashX | | |||||
| MiniMax M2.5 | | |||||
| GPT-6 Luna | ||||||
| Muse Glimmer 30B | DR | | DR |
CreemDR Digital River first choice named as an alternative argued againstblank: not namedEach cell is one answer, Creem on the left and Digital River on the right.The direct prompt
The plain question, one answer per model, grouped by where Creem and Digital River stood in it.
Neither was named
14 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Paddle alternatives: 2Checkout, Cleverbridge, FastSpring, PayPro Global
GPT-5.4 miniPaddle alternatives: FastSpring
Gemini 3.5 FlashFastSpring, Paddle alternatives: Adyen, Anrok, Avalara, Cleverbridge, PayPro Global, Stripe
Perplexity SonarPaddle alternatives: Cleverbridge, FastSpring
Grok 4.20Paddle alternatives: 2Checkout, 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
MiniMax M2.52Checkout, Paddle alternatives: DualEntry
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 12Digital River0%#– of 12
The full small business standing →Mid-marketThe figures above
Enterprise
The order flips: Digital River leads at enterprise.
Digital River2%#6 of 9
Creem0%#– 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 Digital River
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.
“Treat as high risk until its financial and payout situation is independently clarified. A recent report alleges prolonged revenue withholding and insolvency concerns.” Perplexity Sonar · negative prompt · hard negative
“Digital River wound down its ecommerce and Merchant of Record business in January 2025, suspending services” Muse Glimmer 30B · comparative prompt · hard negative
“The MoR has been described as falling apart with insolvency concerns.” Muse Glimmer 30B · negative prompt · hard negative
“a MoR like Paddle or Digital River might be a good fit due to their tax and compliance expertise” Mistral Small · scale prompt · first choice
“Typically oversized for startups; implementation and commercial terms are enterprise-oriented” Perplexity Sonar · comparative prompt · alternative
“For Enterprise/B2B Heavy Needs: Consider Nexway (Digital River) or Verifone” Qwen 3.7 Flash · comparative prompt · alternative
Also compared
Paddle vs CreemPaddle vs Digital RiverCreem vs FastSpringCreem vs Lemon SqueezyCreem vs PayPro GlobalCreem vs CleverbridgeCreem vs 2CheckoutFastSpring vs Digital RiverLemon Squeezy vs Digital RiverPayPro Global vs Digital RiverCleverbridge vs Digital River2Checkout 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.