Creem vs FINBPM
Creem
creem.ioFINBPM
finbpm.techSide by side
| Figure | Creem | FINBPM |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 2 | 3 |
| Spec score · Merchant of Record Software | 8.0 (#8) | 7.2 (#20) |
| Billing | Features include subscriptions, credit wallets, usage-based pricing, custom meters, free trials, discounts, and seat-based billing. | Billing supports plans, usage, seats, add-ons, proration, invoices, credits, trials, upgrades, and downgrades. |
| Checkout | Checkout can run on a merchant's own domain and be styled with its logo, colors, and theme. | The platform supports local payment methods, currency presentation, method-aware routing, retries, and dunning. |
| Headquarters | Tallinn, Estonia | Gibraltar |
| Integrations | Creem's homepage identifies Claude Code, Cursor, Claude Desktop, and any MCP client as compatible with its MCP setup. | The developer page describes a versioned API, hosted or embedded checkout, payment links, signed webhooks, and finance-friendly exports, but does not name third-party integrations. |
| Merchant of record | Creem says it is the legal seller on each transaction and handles payment processing, tax calculation and remittance, invoices, fraud, and chargebacks. | FINBPM says it is the legal seller for transactions processed through its checkout, within the agreed scope. |
| Product | Creem provides payments, tax handling, payouts, affiliates, usage billing, conversion attribution, and analytics for selling software and digital products globally. | FINBPM becomes the Merchant of Record for SaaS, digital products, or marketplaces and handles checkout, tax, fraud screening, disputes, refunds, and billing support. |
| Support | The standard offering lists human support, while the Partner plan includes a dedicated account manager and weekly payments concierge sessions. | FINBPM says billing queries, refunds, and disputes are handled through agreed playbooks and service level agreements. |
Plans
In their own words
Creem
Creem is a payments and monetization platform for selling software and digital products worldwide. It says it acts as the legal seller for each transaction, handling payment processing, tax calculation and remittance, invoices, fraud, and chargebacks. Billing features include subscriptions, credit wallets, usage-based pricing, custom meters, free trials, discounts, and seat-based charges. Partner tools provide affiliate commissions, automatic revenue splits, and short links with click and conversion tracking. Developers can use an API, SDKs, CLI, webhooks, and an MCP server for agent-driven store management; listed compatible options include Claude Code, Cursor, Claude Desktop, and any MCP client. Creem says merchants can sell in 190+ countries and lists cards, PayPal, Apple Pay, and Google Pay. Checkout can use a merchant’s domain and branding. Native iPhone and Android apps provide real-time sales notifications. Pay as you go costs $3.94, paid once per successful transaction, with no monthly or setup fees and no minimum volume. A Partner plan has custom pricing for higher-volume businesses.