Creem
cheapest published rate of any genuine merchant of record, with no international surcharge to undo it.
the best rate here and a genuine reseller clause behind it — with most of the post-sale detail undisclosed until you're onboarding.
creem's merchant terms are unambiguous: it 'shall act as the merchant of record and contractual reseller of the product, executing the resale transaction with the buyer in his own name', and separately that it 'bears responsibility for indirect tax compliance with respect to transactions processed via the service'. that is the clause you are buying.
at 3.9% plus $0.40 with no surcharges, a $50 sale to an eu customer costs 4.7% all-in against paddle's 6.0% and polar's 7.5% — and the absence of an international-card surcharge is what does most of that work, since the vendors it undercuts add 1.5% precisely where most digital sales land.
the description above is ours, condensed from the ranking. pricing moves — check it on the vendor's own page before you rely on it.
- category
- merchant of record providers
- pricing
- 3.9% + $0.40
- website
- creem.io
the best rate here and a genuine reseller clause behind it — with most of the post-sale detail undisclosed until you're onboarding.
we researched this category against vendors' own pricing pages and licence files. that is where this line comes from — not from the vendor, and not from anything they paid for.
more merchant of record providers
Stripe Tax
calculates and files tax while you remain the seller — not a merchant of record
Quaderno
tax compliance and invoicing on top of your own processor, you stay the seller