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 Submission | Description |
|---|
| Product readiness | Your product is ready for production (if you are still developing it, feel free to use the test-mode) |
| No false information | Your website does not contain any false information such as reviews, testimonials or past usage |
| Privacy Policy and Terms of Service | Your website has a Privacy Policy and Terms of Service |
| Product visibility | We can clearly see and understand the product from your website or landing page |
| Product name | The product name clearly does not infringe on any existing trademarks nor does it create any likelihood of consumer confusion or misrepresentation |
| Pricing display | The pricing is easily accessible and displayed to the user |
| Compliance with acceptable use | Your product does not engage in high-risk, shady, or illegitimate use of technology, and you are proud of its integrity |
| Reachable customer support email | Ensure you have a reachable email for customer support which will be displayed on the email receipt customers receive |
| Compliance with prohibited product list | Your product is not included in our prohibited product list (see below) |
- 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.
AI Wrapper Compliance
To ensure a fair and transparent ecosystem for both merchants and customers, Creem has established a set of compliance requirements for all AI wrapper products. These are platforms that provide a custom interface or extended features for third-party AI models like VEO3, Claude, or Gemini.
Failure to comply with these policies will result in the suspension of your payment processing capabilities.
1. Product Branding and Naming
Your product’s brand identity must be distinct from the underlying AI models it uses. This is crucial for trademark protection and to avoid customer confusion.
Prohibited Practices
- Do not use AI model brand names in your product name. For example, names like “VEO3Studio” or “GeminiVideo” are not allowed.
Required Practices
- Develop independent branding. Choose a name that is unique and does not directly reference the AI models. Examples of compliant names include
MintAI, RenderZen, or SlateVidAI.
- You may mention supported models within your application or on your website, but not as part of the core product branding. For instance, you can say “Powered by VEO3” or “Integrates with Gemini.”
- SEO-focused domains are permitted with a redirect. You can use a domain like
veo3generator.com for SEO, but it must redirect to your properly branded product website.
2. Marketing and Transparency
When marketing your product, it’s essential to be transparent about its nature and your relationship with the AI model providers.
Disclaimers
- If you use model names in advertisements or marketing content, you must include a disclaimer stating that your product is not affiliated with, endorsed by, or sponsored by the model creators.
- Example Disclaimer:
"This platform is an independent product and is not affiliated with Google. We provide access to the VEO3 model through our custom interface."
Feature Representation
- Advertise only the features you deliver. Do not claim functionalities that are part of a more advanced model version than the one you use.
- Be explicit about any limitations or tiered access to specific model capabilities.
Your Creem integration should be used for a single, clearly defined product.
- One Product per Integration: If you launch new AI tools, they must be onboarded as separate products through Creem’s review process.
- Disclose the Wrapper Nature: Clearly state that your platform provides a custom interface for underlying AI models. This prevents potential flags for consumer deception.
- Example Disclosure:
"Our platform offers a user-friendly interface built on top of models like VEO3 to enhance usability and provide additional features. We are an independent service and not affiliated with the model providers."
4. Customer Experience and Support
Providing excellent customer support is a core requirement for all merchants on Creem.
Support Channels
- A visible support email is mandatory. This email must be accessible on your public website and within the user dashboard.
- Use a branded support email. If your product is
MintAI, your support email should be [email protected], not a generic address.
Subscription Management
- Users must be able to cancel subscriptions directly from your product. You can achieve this by integrating with the
Creem Cancel Subscription API or by redirecting users to the Creem Customer Portal.
5. Refund Policy
Timely customer resolution is critical.
- Respond to customer requests within 3 business days.
- If you do not respond within this timeframe, Creem reserves the right to issue a refund on your behalf to ensure customer satisfaction.
These policies are actively enforced. We encourage you to review your product and marketing materials to ensure full compliance. If you have any questions, please reach out to our support team.
Prohibited and Restricted Products
If you violate our terms of service or attempt to sell prohibited products, you risk getting your store placed in review or suspended.
Examples of acceptable products
Some examples of acceptable goods include:
- Software & SaaS
- eBooks
- PDFs
- Design assets
- Photos
- Audio
- Video
List of prohibited products
The following products and services are prohibited on Creem:
- Sexually-oriented or pornographic content of any kind, including NSFW chatbots
- IPTV services
- Physical goods of any kind
- Spyware or parental control apps
- Donations or charity giving where no product exists or where the price is greater than the product value
- Products or content for which you do not hold a proper license or intellectual property rights
- Marketplaces - where you use your Creem store to “partner” to sell others’ products
- Dating sites
- Private Label Rights (PLR) products or Master Resell Products (MRR) products - this includes any product which you’ve obtained a license to sell but do not hold the original IP rights
- Counterfeit goods
- Any products restricted by our payment processing partners
- Illegal or age restricted products such as: drugs and paraphernalia, alcohol, tobacco, vaping products
- Regulated products such as: CBD, gambling, weapons, ammunition, pay to play auctions, sweepstakes, lotteries, business-in-a-box, work-from-home, get-rich-quick schemes, etc.
- Regulated services such as: real estate, mortgage, lending, telemarketing, cellular/communication, door-to-door sales, bankruptcy, legal, merchant, debt-relief, collections, banking/financing, currency exchange, warranties, etc.
- Timeshares
- Pharmacies, pharmaceuticals and nutraceuticals
- Homework/Essay mills
- Multi-level marketing, pyramid, or IBO schemes
- NFT & Crypto assets products.
- Any other products that our providers deem too risky
List of restricted products
These services will be subject to strict due diligence and are not guaranteed to be accepted.
- Services of any kind (including marketing, design, web development, consulting or other related services)
- Job boards
- Advertising in newsletters, on websites, or in social media posts
If you are unsure whether your content is prohibited, please contact Creem support with a description or example of the content before you start selling.
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
