Payments · working at 10,000 users · rates as read 26 Sept 2026
On free tier, Paddle is $0/month: 5% + 50¢ per Checkout transaction and Creem is $0/month: 3.9% + $0.40 per successful transaction. On cheapest paid plan, Paddle does not publish it and Creem does not publish it. On rate above what's included, Paddle does not publish it and Creem is No international-card surcharge. StackTab sells neither of these and takes no referral fee on either: it scores them. Every figure was read off the named company's own page on or since 2026-09-18; the URLs and the dates are at the foot of this page, and a job re-fetches each one on a schedule and fails when a figure is no longer on the page it came from.
2 compared · 3 criteria, identical for every column · every competitor figure read off that company's own page · last verified 2026-09-18
| Service | |||
|---|---|---|---|
| PaddleMerchant of record: Paddle is the seller and files the tax.verified 25 Sept 2026paddle.com/pricing | $ | $ | $ |
| CreemMerchant of record at a flat 3.9%, aimed squarely at indie SaaS.drifted, last true 17 Sept 2026creem.io/pricing | $ | $ | $ |
- Sorted by the total at
- Merchant of record: Paddle is the seller and files the tax.verified 25 Sept 2026paddle.com/pricing
- 1,000 users
- $
3030 Standard - 10,000 users
- $
300300 Standard - 100,000 users
- $
3,0003,000 Standard
- Merchant of record at a flat 3.9%, aimed squarely at indie SaaS.drifted, last true 17 Sept 2026creem.io/pricing
- 1,000 users
- $
2424 Standard · drifted - 10,000 users
- $
236236 Standard · drifted - 100,000 users
- $
2,3602,360 Standard · drifted
| Criterion | Paddle | Creem |
|---|---|---|
| Free tier | $0/month: 5% + 50¢ per Checkout transaction"No migration fees, monthly fees, or hidden extras." | $0/month: 3.9% + $0.40 per successful transaction"Monthly fees $0. Setup fees $0." The FAQ states "You pay 3.9% + $0.40 per successful transaction. No setup fees, no monthly fees." The rate is unchanged since 8 September 2026; the page stopped abbreviating it as "per txn". |
| Cheapest paid plan | Not publishedOne published rate and a "Custom pricing" option with no figure. The page also notes that if you are "selling products under $10 or require invoicing" you must contact them for custom pricing. | Not published"One simple price, pay as you go." Creem publishes a single rate and no paid tiers above it. A Partner plan for higher volume sits at the foot of the page at "Custom pricing", behind a call, with no figure on it. |
| Rate above what's included | Not publishedPaddle publishes the 5% + 50¢ headline and does not publish a separate international-card or currency-conversion surcharge on this page, so there is no additional rate here to multiply out. | No international-card surchargeCreem's comparison table lists "No international card fees" as a difference from the others, which is why its effective rate on a worldwide customer base can land below a nominally similar 5% competitor. |
“Not published” means that company does not state the figure on the page cited at the foot of this page. It is not a claim that no such figure exists. A company that publishes no limit most likely has none, but “most likely” is not a fact, and this table prints what was read rather than what was inferred.
- Free tier: what the vendor gives you at $0 a month, in its own words
- Rate above what's included: the per-unit or per-transaction rate the vendor publishes for usage beyond the plan: the figure you need to work out a bill before you commit to one
Paddle: $0/month: 5% + 50¢ per Checkout transaction. "No migration fees, monthly fees, or hidden extras.". Creem: $0/month: 3.9% + $0.40 per successful transaction. "Monthly fees $0. Setup fees $0." The FAQ states "You pay 3.9% + $0.40 per successful transaction. No setup fees, no monthly fees." The rate is unchanged since 8 September 2026; the page stopped abbreviating it as "per txn". Read from paddle.com and creem.io on 2026-09-18. Free tier here means what the vendor gives you at $0 a month, in its own words.
Paddle does not state it on paddle.com. One published rate and a "Custom pricing" option with no figure. The page also notes that if you are "selling products under $10 or require invoicing" you must contact them for custom pricing. Creem does not state it on creem.io. "One simple price, pay as you go." Creem publishes a single rate and no paid tiers above it. A Partner plan for higher volume sits at the foot of the page at "Custom pricing", behind a call, with no figure on it. Read from paddle.com and creem.io on 2026-09-18.
Paddle does not state it on paddle.com. Paddle publishes the 5% + 50¢ headline and does not publish a separate international-card or currency-conversion surcharge on this page, so there is no additional rate here to multiply out. Creem: No international-card surcharge. Creem's comparison table lists "No international card fees" as a difference from the others, which is why its effective rate on a worldwide customer base can land below a nominally similar 5% competitor. Read from paddle.com and creem.io on 2026-09-18. Rate above what's included here means the per-unit or per-transaction rate the vendor publishes for usage beyond the plan: the figure you need to work out a bill before you commit to one.
Paddle: You are selling worldwide at real volume and the thing that would actually hurt is a tax authority asking questions. Paddle is the dearest rate in this table and it has the longest record of standing behind a filing when that happens: which is what the extra points are for. Creem: You are selling worldwide and the lowest published rate is the thing that decides it. Creem is 3.9% + $0.40 with no monthly fee and states it charges no international-card surcharge: which on a customer base outside the United States makes it cheaper than the 5% providers by more than the headline gap suggests.
StackTab does not sell any of these and has nothing to gain from which one you choose: it scores them. Each case below is the one that option genuinely wins.
- Paddle: You are selling worldwide at real volume and the thing that would actually hurt is a tax authority asking questions. Paddle is the dearest rate in this table and it has the longest record of standing behind a filing when that happens: which is what the extra points are for.
- Creem: You are selling worldwide and the lowest published rate is the thing that decides it. Creem is 3.9% + $0.40 with no monthly fee and states it charges no international-card surcharge: which on a customer base outside the United States makes it cheaper than the 5% providers by more than the headline gap suggests.
Prices and limits move, and a page quoting a stale one is worth less than a page quoting none. Every source is printed here so a reader can check it against the day they are reading this, and a job re-fetches each of these URLs on a schedule and fails when a figure above no longer appears on the page it came from.
- Paddle: www.paddle.com/pricing: Free tier, Cheapest paid plan, Rate above what's included. Read 2026-09-18.
- Creem: www.creem.io/pricing: Free tier, Cheapest paid plan, Rate above what's included. Read 2026-09-18.
Last verified 2026-09-18. https://stacktab.thecompound.tech/compare/paddle-vs-creem