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Fees and Payout Schedule

Get familiar with the fees and payout schedule associated with using Creem.

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Platform Fee

When you make a sale using Creem, we take a small fee, known as the “platform fee”, to cover the costs of credit card transaction fees, currency conversion fees, taxes (yes, we cover taxes) etc. The net sales will be paid out to your bank account. Learn more about our pricing. The platform fee is calculated on the total order value and collected when the order is placed. Here’s an example breakdown where someone in France (20% VAT) buys a digital product with a card.
DescriptionAmount
Product price$20.00
Tax (20% VAT)$4.00
Total$24.00
Platform fee (3.9% + 0.40c)$1.33
Net profit (total - tax - platform fee)$18.67

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Additional Product Fees

Certain products and features incur additional fees beyond the standard platform fee. These fees are applied before any commission calculations and affect your final payout amount.

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Splits Payment Functionality

When using Creem’s splits payment feature, an additional 2% fee is applied to the transaction amount before any commission is distributed to the participating parties. Example:
  • Transaction amount: $100.00
  • Splits fee (2%): $2.00
  • Amount available for splits: $98.00
  • Commission distribution is then calculated on the $98.00

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Abandoned Cart Recovery

For transactions recovered through abandoned cart functionality, an additional 5% fee is applied to the recovered transaction amount. Example:
  • Recovered transaction: $50.00
  • Recovery fee (5%): $2.50
  • Net amount after recovery fee: $47.50
  • Platform fee is then calculated on the $47.50
These additional fees help cover the specialized infrastructure and processing costs associated with these advanced features.

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Payout Fees

Payouts do not incur any additional fees if no external services are used to transfer money to your bank account. You can receive payouts without any transfer costs from SEPA countries and European Union. We plan to expand this list soon. If your country is outside of the European Union region, Creem will charge from 7USD/EUR to 1% of the payout amount, whichever is higher, to cover international transfer costs. Conversion rates are automatically applied by Stripe and other partners in case you registered a bank account that is not in the currency that you are charging products with. In that case, a small conversion fee from our Partners will be applied, which is outside of our control.

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Stablecoin Payouts (USDC via Polygon)

Creem also supports payouts in USDC using the Polygon Network. This allows you to receive your funds quickly and securely in stablecoins, directly to your compatible wallet address.
  • Supported stablecoin: USDC
  • Network: Polygon
  • Fee: 2% of the payout volume
To use this option, ensure your wallet supports USDC on Polygon. When registering a payout account, select the stablecoin payout method and provide your wallet address. The payout will be processed in the next available payout window, subject to the 2% fee.

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Payout Schedule

Payouts are always executed twice per month:
  • On the 1st day of the month
  • On the 15th day of the month
To be eligible for a payout, you need to achieve a minimum balance of 50 USD or 50 EUR. Once you reach this threshold, the “withdraw” button will be enabled for you on your balance page. When you click on the withdraw button, your store will be automatically added to our payout schedule queue, and your payout will be executed on the next available window (1st or 15th of the month). After the payout is processed, you will see a new payout item on the payout activity tab of your balance page, with a reverse invoice available for download for tax purposes. If the payout day falls on a weekend or a public holiday, delays might occur due to our banking partners, and the payout will be executed on the next business day.

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Transfer Limits

Creem is actively working to increase the number of banking partners it operates with. At the moment, there are some countries in which transfer limits are imposed:

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China

  • Individual recipient: UnionPay, Alipay
  • Business recipient: Local Bank Account
Receiving via UnionPay: You can receive up to 33,000 CNY per payout Receiving via Alipay: You can receive up to 50,000 CNY per payout and between 300,000—600,000 CNY per year Receiving via Local Bank account: Unlimited

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Important Note on Payout Availability

Please note that if you have applied for a payout, we will only be able to execute your available balance on that date. Stripe requires a 7-12 day hold on any payments received on your account for risk assessment purposes. For example, if you are getting your payout executed on the 15th, only funds that were processed via payments before the 8th day of the calendar month will be available for withdrawal on that specific payout.

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Custom Pricing

If you’re a fast-growing or established large-scale business, sell products lower than $10, or have a business model that processes a high volume of transactions, contact our sales team for custom pricing.