Index › Finance › Products › Creem · November 2026 Edition
Merchants of record · Ranked

Creem

Creem is a merchant of record service that handles payment transactions on behalf of the businesses that sell through it · creem.io ↗

#2Best rank (small business)
12/14Models named it
17First choices
12Warnings
November 2026 Edition · all company sizes counted.
Ranked inMerchants of record #2 small business
What AI models recommend

Strongest at small business. Thin evidence at enterprise: three labels.

The standing depends on who is buying. Every model is asked the same questions for each company size.

Why models recommend it

“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-constrained question · 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-constrained question · first choice
“Creem is likely the best starting point if its eligibility and feature set fit your business”Perplexity Sonar · Budget-constrained question · first choice
“Lemon Squeezy and Creem are among the best choices due to their low fees and ease of use”Mistral Small · Budget-constrained question · first choice

What gives them pause

“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 question · warning
“Do not use Creem/Dodo despite lower rates. Reliability > Margin here.”Qwen 3.7 Flash · Budget-constrained question · warning
“Avoid Creem due to the reported payment and payout issues.”Mistral Small · Negative question · warning
“Avoid using Creem at all costs!”Muse Glimmer 30B · Negative question · warning

Also on the shortlist

The products named in the same answers as Creem, over the 54 answers that named it, and how often each was the first choice instead.

What the models named instead of Creem →

A side-by-side page exists where both products are among a category's top eight.

At a glance

Stated on Creem's own site, not checked by Gane.

For
software companies
Price stated
3.9% + 40c per successful transaction
Starting price
3.9% + 40c
Free plan or trial
No monthly fees, no setup fees, nothing until you sell.
Customers named
Tibo
Visit creem.io ↗

How this is measured

Fourteen AI models from 12 labs are asked the same buying questions six ways, for three company sizes. Standings refresh every edition.

Gane sells AI visibility software. No company can pay to change a result.

Read the method →

Sources returned with these answers

The sites and pages the answers that named Creem came back with. A fact about retrieval, not a cause of the answer.

Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted. These counts come from 54 of the 54 answers that named Creem and are not a share of its labels.

Domains cited

creem.ioIts own site27
g2.com26
comecero.com23
dodopayments.com18
dupple.com15
fintechspecs.com15
fungies.io15
ebrands.com13
paymentreview.com13
aliteq.com11

149 of the 176 domain citations in answers naming Creem came from a third party's page.

Pages cited

Pages are listed as the models cited them.

By model

How each model answered on Creem across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.
ModelFirst choiceAlternativeMentionWarningLabels
Claude Haiku 4.500000
GPT-5.4 mini00000
Gemini 3.5 Flash01001
Perplexity Sonar10001
Grok 4.2000101
Mistral Small10012
DeepSeek V4 Flash10001
Llama 4 Maverick10012
Qwen 3.7 Flash01012
Kimi K210001
GLM 4.7 FlashX10102
MiniMax M2.501001
GPT-6 Luna00000
Muse Glimmer 30B10012

What it publishes

Addresses on creem.io
754
subdomains included
Content
116
counted in the table below
Documentation
179
Product · Integration
0 · 0
KindPagesLast 90 days2025-10 to 2026-09LatestCategories named
Blog76372026-09-17
Comparison2442026-08-14
Report or ebook1002026-02-20
Glossary or explainer402026-06-25
Template or tool1undated
News or press1undated
How it is countedHide how it is counted

Every page creem.io exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. Read September 29, 2026.