# Creem: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 16 judge labels across 1 category by 11 of 14 models. Page: https://www.gane.ai/index/finance/vendors/creem

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Merchants of record](https://www.gane.ai/index/finance/receivables/merchants-of-record/index.md) | 14% | 2 | 25% | 16 |

## What the models said for 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, Merchants of record)
- "For a truly limited budget: Creem offers the lowest published rates at 3.9% + $0.40 with no hidden fees." (Kimi K2, Merchants of record)
- "Creem is likely the best starting point if its eligibility and feature set fit your business" (Perplexity Sonar, Merchants of record)
- "Lemon Squeezy and Creem are among the best choices due to their low fees and ease of use" (Mistral Small, Merchants of record)

## And against it

- "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, Merchants of record)
- "Do not use Creem/Dodo despite lower rates. Reliability > Margin here." (Qwen 3.7 Flash, Merchants of record)
- "Avoid Creem due to the reported payment and payout issues." (Mistral Small, Merchants of record)
- "Avoid using Creem at all costs!" (Muse Glimmer 30B, Merchants of record)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 1 | 0 | 0 | 1 |
| Perplexity Sonar | 1 | 0 | 0 | 0 | 1 |
| Grok 4.20 | 0 | 0 | 1 | 0 | 1 |
| Mistral Small | 1 | 0 | 0 | 1 | 2 |
| DeepSeek V4 Flash | 1 | 0 | 0 | 0 | 1 |
| Llama 4 Maverick | 1 | 0 | 0 | 1 | 2 |
| Qwen 3.7 Flash | 0 | 1 | 0 | 1 | 2 |
| Kimi K2 | 1 | 0 | 0 | 0 | 1 |
| GLM 4.7 FlashX | 1 | 0 | 1 | 0 | 2 |
| MiniMax M2.5 | 0 | 1 | 0 | 0 | 1 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 1 | 0 | 0 | 1 | 2 |

## Sources returned with these answers

The sites and pages cited by the answers that named Creem, from 54 of the 54 answers that named it (only the models that return a source list).

### Domains cited

- creem.io: 27 (its own site)
- g2.com: 26
- comecero.com: 23
- dodopayments.com: 18
- dupple.com: 15
- fintechspecs.com: 15
- fungies.io: 15
- ebrands.com: 13
- paymentreview.com: 13
- aliteq.com: 11

### Pages cited

- https://comecero.com/blog/best-merchant-of-record-providers: 23
- https://creem.io/blog/best-merchant-of-record-saas-2026: 19
- https://g2.com/categories/merchant-of-record/small-business: 18
- https://dupple.com/learn/cheapest-merchant-of-record-platforms: 15
- https://ebrands.com/blog-posts/merchant-of-record-companies-compared: 12
- https://fastspring.com/merchant-of-record: 10
- https://freemius.com/blog/best-merchant-of-record-providers-saas-stage: 10
- https://aliteq.com/cheapest-merchant-of-record: 9

## In its own words

What Creem's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: Build with AI. Sell with Creem. Creem is the money platform for the AI era. Sell software and digital products globally, with payments, taxes, payouts, affiliates, usage billing, conversion attribution and analytics handled for you. (https://creem.io/)
- For: software companies (https://creem.io/)
- Price stated: 3.9% + 40c per successful transaction (https://creem.io/)
- Starting price: 3.9% + 40c (https://creem.io/)
- Free plan or trial: No monthly fees, no setup fees, nothing until you sell. (https://creem.io/)
- Customers named: Tibo

## What it publishes

Every page creem.io exposes, read 2026-09-29: 754 addresses. By kind, pages and the last 90 days:

- blog: 76 pages, 37 in the last 90 days, latest 2026-09-17
- report or ebook: 10 pages, 0 in the last 90 days, latest 2026-02-20
- comparison: 24 pages, 4 in the last 90 days, latest 2026-08-14
- template or tool: 1 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 4 pages, 0 in the last 90 days, latest 2026-06-25
- news or press: 1 pages, 0 in the last 90 days, latest undated
- Recent: 2026-09-17 blog: Introducing creem 2 0 https://www.creem.io/blog/introducing-creem-2-0
- Recent: 2026-09-13 blog: Free trial saas playbook that converts trials to paid https://www.creem.io/blog/free-trial-saas-playbook-that-converts-trials-to-paid
- Recent: 2026-09-11 blog: 7 hosted payment page example patterns for saas https://www.creem.io/blog/7-hosted-payment-page-example-patterns-for-saas
- Recent: 2026-09-08 blog: How to join affiliate program a creators quick guide https://www.creem.io/blog/how-to-join-affiliate-program-a-creators-quick-guide
- Recent: 2026-09-07 blog: How to sell software as a service a practical 2026 guide https://www.creem.io/blog/how-to-sell-software-as-a-service-a-practical-2026-guide
- Recent: 2026-09-07 blog: Storefront builder guide for software and digital goods https://www.creem.io/blog/storefront-builder-guide-for-software-and-digital-goods

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.