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Merchants of record · November 2026 Edition

Paddle vs Creem

Thirteen of fourteen models named Paddle first on the direct prompt; zero named Creem. Paddle was named by fourteen of the fourteen models and Creem by eleven and Paddle carries 62 labels and Creem 16, so the shares are not directly comparable.

Paddle

endorsed leader

Named in seven categories this edition.

Creem

criticized challenger

Named in one category this edition.

First-choice share44%14%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate16%25%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#2A position in a field of 12; printed, not drawn.
Labels6216A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Paddle reading right to left. Rank and label count are printed, not drawn.FastSpring was named alongside these two in twelve of the fourteen direct answers. Paddle vs FastSpring · Paddle vs Lemon Squeezy · Paddle vs PayPro Global

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.
PaddleFirst choices, of fourteen modelsCreem
Direct130
Paraphrase50
Comparative120
Budget-constrained274 against Paddle · 1 against Creem
Scale-constrained20
Negative106 against Paddle · 3 against Creem
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.

Across every category in the November 2026 Edition, Paddle and Creem were named in the same answer forty-nine times, of the 227 answers naming Paddle and the 54 naming Creem. In those answers Creem took the first choice twenty times and Paddle fifteen.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Paddle and Creem stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
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
Paddle Creem first choice named as an alternative argued againstblank: not namedEach cell is one answer, Paddle on the left and Creem on the right.

The direct prompt

The plain question, one answer per model, grouped by where Paddle and Creem stood in it.

Paddle first, Creem not the choice

13 of 14 modelsCreem was named in the answer but not as the choice, or not at all.
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
MiniMax M2.52Checkout, Paddle alternatives: DualEntry
GPT-6 LunaPaddle alternatives: Cleverbridge, FastSpring
Muse Glimmer 30BPaddle alternatives: Cleverbridge, DualEntry, FastSpring, Nexway

Neither was named

1 of 14 modelsThe answer made no first choice from these two in this category.
GLM 4.7 FlashXno first choice

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
Paddle leads by twenty-five points.
Paddle44%#1 of 12
Creem19%#2 of 12
The full small business standing →
Mid-marketThe figures above
Paddle leads by thirty points.
Paddle44%#1 of 12
Creem14%#2 of 12
The full mid-market standing →
Enterprise
Paddle leads by thirty-one points.
Paddle31%#2 of 9
Creem0%#– of 9
The full enterprise standing →

What the models said about Paddle

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of seven in this category shown.

“Paddle ⚠️ PROCEED WITH CAUTION ... June 2025 FTC Settlement: Paddle paid $5 million and was permanently banned from processing payments” Kimi K2 · negative prompt · hard negative
“FTC settlement in 2025 for $5 million over unfair payment practices... avoid if selling high-risk or subscription-heavy products.” Grok 4.20 · negative prompt · hard negative
“the FTC has targeted a merchant of record, Paddle, for unlawful payment processing and other violations” Llama 4 Maverick · negative prompt · hard negative
“Best default for scaling SaaS: Paddle, because it combines subscriptions, tax handling, invoicing, and global checkout in one system.” Perplexity Sonar · comparative prompt · first choice
“Paddle is my top recommendation for a mid-sized B2B company looking for a reseller that handles both global sales tax and payments.” DeepSeek V4 Flash · paraphrase prompt · first choice
“Paddle is the market leader for scaling B2B SaaS companies that want transparent pricing and a comprehensive all-in-one platform.” DeepSeek V4 Flash · comparative prompt · first choice

What 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
Also compared

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.