As the Merchant of Record (MoR), we serve as the reseller of digital goods and services. Consequently, it is imperative that businesses utilizing Creem adhere to our acceptable product guidelines. This involves continuous monitoring, reviewing, and preventing fraud, misuse, malicious activities, and high-risk accounts.
Below you can find a TLDR checklist to ensure your account review is successful.
Checklist for Account Review SubmissionDescription
Product readinessYour product is ready for production (if you are still developing it, feel free to use the test-mode)
No false informationYour website does not contain any false information such as reviews, testimonials or past usage
Privacy Policy and Terms of ServiceYour website has a Privacy Policy and Terms of Service
Product visibilityWe can clearly see and understand the product from your website or landing page
Product nameThe product name clearly does not infringe on any existing trademarks nor does it create any likelihood of consumer confusion or misrepresentation
Pricing displayThe pricing is easily accessible and displayed to the user
Compliance with acceptable useYour product does not engage in high-risk, shady, or illegitimate use of technology, and you are proud of its integrity
Reachable customer support emailEnsure you have a reachable email for customer support which will be displayed on the email receipt customers receive
Compliance with prohibited product listYour product is not included in our prohibited product list

​
How to submit an account review, and what information is needed?

To submit an account review, you need to navigate to the Balance menu, located on the left-side menu of the platform. Upon successful navigation to the Balance menu, click on the Payout Account option to start the process of submitting a payout account and getting your store reviewed. The information necessary for the store review includes:
  • Your full individual name and/or your business entity name
  • Your store/product name
  • The product URL of your store
  • A description of your business and how you operate
  • A description of the products you are intending to sell through Creem with your store
  • The country you are a tax resident in (Country of citizenship if an individual store account, or country of incorporation if a business entity)

​
How to ensure that your account review is successful?

To ensure that your account review is successful, follow these tips when submitting your application. Make sure to provide accurate and detailed information about your store and the products you intend to sell. We work with a variety of digital products, including software & SaaS, templates, eBooks, PDFs, code, icons, fonts, design assets, photos, videos, audio, and premium access such as Discord servers, GitHub repositories, and subscription-based courses. As a Merchant of Record, we can handle digital goods, software, or services that can be fulfilled by Creem on your behalf, such as license keys, file downloads, private links, and premium content. Alternatively, you can use our APIs to grant immediate access to digital assets, services, or software for customers with one-time purchases or subscriptions. We meticulously review every store application to ensure there is no deceptive content, such as
  • Unearned badges (e.g. Product Hunt)
  • False customer testimonials
  • Misleading reviews or number of users
We do not allow anything that is unfair, deceptive, abusive, harmful, or shady. If you are unsure whether your use case would be approved, please reach out to us in advance for clarification.

​
Why do you need to review my account?

We review accounts to ensure that they are legitimate and in compliance with our terms of service. This helps us prevent fraud, misuse, malicious activities, and high-risk accounts. We need to perform these reviews to protect our users and ensure a safe and secure platform for all. Combined with meeting our own KYC/AML requirements as a billing platform.

​
On-going monitoring

We continuously monitor all accounts to ensure that they are in compliance with our terms of service and to proactively prevent fraud. If we notice any suspicious activity, we will review the account again. In addition to performing these reviews, we also perform random audits of accounts to ensure that they are in compliance with our terms of service. These reviews are often completed within hours and without any additional information required from you. We look at:
  • The product and its description
  • The pricing and payment methods
  • The customer support and contact information
  • The website and landing page
  • Risk scores across historic transactions
  • Refund & Chargeback ratio