--- title: "Fungies as a Creem alternative · Fungies" description: "Fungies vs Creem: they charge 3.9% + 40¢ against our 5% + 50¢. Compare the documented chargeback fee, payout fee and holding period, plus daily payouts and game sales." image: "https://fungies.io/og-image.jpg" canonical: "https://fungies.io/alternatives/creem/" --- Creem alternative # Cheaper per sale, once you have read the whole price list Creem charges 3.9% + 40¢ against our 5% + 50¢, and on a straight software sale that is genuinely cheaper. Their documentation also carries a $25 chargeback fee, a payout fee and a 5% cut of recovered revenue that their pricing page does not mention. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. No credit card required. Already selling with Fungies [![Leadsin.io](/logos/clients/leadsin.png)](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business "Leadsin.io — read the story")[![RenderAI](/logos/clients/renderai.png) ](/customer-story/helping-renderai-reduce-their-ai-saas-payment-integration-from-days-to-just-a-couple-of-minutes "RenderAI — read the story")[![SuperScale](/logos/clients/superscale.png) ](/customer-story/nimblebits-revenue-boost-with-a-web-store-solution "SuperScale — read the story")[![FreeVocals](/logos/clients/freevocals.png) ](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce "FreeVocals — read the story")![STATSCORE](/logos/clients/statscore.png)![SimFabric](/logos/clients/simfabric.png)![BotRix](/logos/clients/botrix.png)![Enhance AI](/logos/clients/enhance-ai.png)![The Humanize AI](/logos/clients/humanize-ai.png)![Kenerate AI](/logos/clients/kenerate.png) The short answer Creem is cheaper than we are on the headline, and on a $30 international renewal they take $1.57 against our $2.00. If the lowest flat percentage decides it, they win and we would rather say so plainly. The reason to keep reading is that their pricing page and their documentation describe different products. The pricing page says no hidden charges and advertises chargeback protection; the docs charge 25 USD/EUR per chargeback, take 7 USD/EUR or 1% of each payout, hold funds 7 to 12 days on top of a twice-monthly cycle, and add 5% to revenue recovered from abandoned carts. Those are their own published numbers, and they are the ones worth comparing against ours. Comparison of Fungies with Creem. ![The Fungies store builder editing a storefront, with products, branding and a custom domain.](/_astro/store-builder.DgzZIR39_Z2oLvWw.webp?dpl=dpl_8EZJmbvb3ugYq7WK1KgC21BX19Zp) A storefront on your own domain, rather than on ours. ## Fungies and Creem, side by side Fungies Creem 01 Merchant of Record ✓ Yes — we are the legal seller and we file. Yes — Creem is the legal seller of record and files. 02 Headline rate ✓ 5% + 50¢ per sale. Negotiable at higher sales volume. 3.9% + 40¢ per successful transaction. Lower than ours. 03 $30 subscription renewal, international card ✓ $2.00 — 6.7%. $1.57 — 5.2%. Cheaper, on the same transaction. 04 Chargebacks ✓ No per-dispute fee — it is inside the commission. Our dispute rate is 0.04%. 25 USD/EUR per chargeback, per their docs, though the pricing page advertises chargeback protection. 05 Getting paid ✓ Daily by default, into your own connected account. No minimum balance and no payout fee from us. Twice a month, on the 1st and the 15th, against a 50 USD/EUR minimum balance. 06 Cost of a payout ✓ Nothing. 7 USD/EUR or 1% of the payout, whichever is higher. 2% for a USDC payout. 07 How long money is held ✓ Payouts run daily on your schedule. 7 to 12 days for risk assessment before funds join a payout cycle. 08 Recovering failed payments ✓ Abandoned checkout emails, dunning and smart retries included. We take no cut of what comes back. Retries and dunning included; abandoned cart recovery adds 5% of the recovered amount. 09 Storefront ✓ Store builder, hosting and your own domain included, plus hosted, overlay and embedded checkout. Hosted storefront on a creem.io/store address. No custom domain is documented. 10 Games ✓ Steam key delivery, web stores for mobile in-app purchases, in-game items and currency packs. Prohibited. In-game items, currencies and virtual goods tied to third-party games are on their banned list. Creem's pages disagree with each other in a few places, so we have cited the documentation rather than the marketing. Their pricing page says no hidden charges and lists chargeback protection as included; their docs charge 25 USD/EUR per chargeback and their terms say the merchant bears full financial responsibility for chargebacks. Their docs claim tax coverage in 190+ countries while their pricing page says 50+. Read both before you decide, and treat their pages as authoritative over ours. Creem figures from [Creem pricing ↗](https://www.creem.io/pricing) [Creem payouts and additional fees ↗](https://docs.creem.io/merchant-of-record/finance/payouts) [Creem refunds and chargebacks ↗](https://docs.creem.io/merchant-of-record/finance/refunds-and-chargebacks) [Creem prohibited products ↗](https://docs.creem.io/merchant-of-record/account-reviews/account-reviews) checked 2 August 2026. Their pricing can change. ## What the extra 1.1% is actually buying 01 ### A dispute costs $25 there and nothing here Creem's documentation is explicit: 25 USD/EUR for each chargeback, and their terms put full financial responsibility for chargebacks on the merchant. Their pricing page nonetheless lists chargeback protection under a heading promising no extra charges. We are not going to tell you which of their pages is right, only that ours charges nothing per dispute and that our platform dispute rate is 0.04%, against the 0.7% at which card networks start putting sellers into monitoring programmes. 02 ### Getting the money out is free and daily Their payout costs 7 USD/EUR or 1% of the amount, whichever is higher, needs a 50 USD/EUR minimum balance, runs twice a month, and sits behind a 7 to 12 day risk hold. Worst case that is roughly three weeks from sale to bank, minus a fee. We pay out daily into your own account with no minimum, no per-payout charge and no holding period beyond the ordinary first-payout arrangement. 03 ### Recovered revenue stays yours Creem adds 5% to anything abandoned cart recovery brings back, and 2% each to revenue splits and their affiliate platform. Those are fees on money you had already earned and nearly lost. Our abandoned checkout emails, dunning and retries are included, and what they recover arrives at the ordinary rate. 04 ### A storefront on your domain, not on theirs Creem's storefront is a hosted page at creem.io/store/your-store-name, customisable to a logo, banner, theme and colours, with no custom domain documented anywhere. We include a store builder, hosting and your own domain, which matters if the shop is meant to read as part of your product rather than as a page on a payment provider's website. 05 ### You can sell to players at all In-game items, currencies and virtual goods tied to third-party games are on Creem's prohibited list, alongside physical goods and NFTs. We run web stores for mobile in-app purchases, deliver Steam and other platform keys, and sell currency packs and bundles. If any part of what you sell lives inside a game, the rate comparison never starts. The other side of the argument ## When Creem is the better call No provider wins every case, and a comparison that pretends otherwise is not worth your time. Here is where Creem is the better answer. ### The lowest headline rate is what you are optimising for 3.9% + 40¢ beats 5% + 50¢, and neither of us adds an international or subscription surcharge, so the gap holds on every transaction rather than only some. If you sell software to card-paying customers, rarely see a dispute, and are comfortable being paid twice a month, they cost less than we do. ### You want affiliates and revenue splits in the box Creem splits payments between co-founders, affiliates and contractors, and runs an affiliate marketing platform. Both carry a documented 2% on top, but the capability existing in one place is real plumbing you would otherwise build or reconcile by hand. ### You need stablecoin payouts They settle in USDC on Polygon as an alternative to a bank account, which they document as a fallback for regions where bank rails are the bottleneck. We pay to a connected bank account only, so that is a straight capability gap on our side. ### You are migrating off Lemon Squeezy in a hurry Their CLI ships a one-command Lemon Squeezy migration and an agent-driven setup path. If you want to be moved by the end of the afternoon with minimal hand-holding, that is a genuinely good piece of engineering. ## What sellers say once they have switched [★★★★★ 4.8/5 from 10 reviews on G2 →](https://www.g2.com/products/fungies-io/reviews) [Vadim Finayev Head of Growth, Leadsin.io “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.” Read the story →](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business) [David Elliott Creative Director, Freevocals.com “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.” Read the story →](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce) [Elnura Abdimanap Kyzy Founder, TextToVideo.bot “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.” Read the story →](/customer-story/how-fungies-enabled-texttovideo-bot-to-integrate-payments-in-minutes) [Francisco Magnone Rienzi Founder, Renderai.app “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.” Read the story →](/customer-story/helping-renderai-reduce-their-ai-saas-payment-integration-from-days-to-just-a-couple-of-minutes) Pricing 5% + 50¢ per sale, and nothing else Negotiable at higher sales volume. [See full pricing →](/pricing) [Start free →](https://app.fungies.io/register) ## No monthly fee. No minimum. No card to get started. One rate covers the whole stack. There is no tier that unlocks tax filing and no add-on for the store builder. - ✓ Payment processing - ✓ Tax calculation and filing - ✓ Fraud screening - ✓ Chargeback handling - ✓ Store builder and hosting - ✓ Every platform feature ## Teams who made the move [All customer stories →](/case-studies-customers) [ Digital goods Sweden ### FreeVocals.com Off WordPress, and off the plugin treadmill A vocal sample marketplace left a WordPress stack behind and stopped paying subscriptions for the privilege of selling. 50 GB per file, for full-quality sample packs Read the story →](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce)[ AI SaaS Canada ### TextToVideo.bot Weeks of payment work, done in minutes An AI video generation platform launched its subscription business without writing a payment integration at all. Minutes to stand up subscription plans Read the story →](/customer-story/how-fungies-enabled-texttovideo-bot-to-integrate-payments-in-minutes)[ SaaS Miami, Florida, USA ### Leadsin.io A hosted checkout with no payment infrastructure to build A lead generation platform started taking monthly and yearly subscriptions without standing up any payment infrastructure of its own. Zero tax registrations of their own Read the story →](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business) ## Fungies and Creem, asked plainly ### Is Creem cheaper than Fungies? ### Does Creem really charge for chargebacks? ### How quickly does each of you pay out? ### Can Creem sell game keys or in-app purchases? ### How much tax coverage does each of you have? ### Where did these figures come from? ## Compare us with the others - [01 ### Paddle Same headline rate, daily payouts instead of monthly, and a storefront in the box. Compare →](/alternatives/paddle) - [02 ### Stripe One rate covering tax, subscriptions, and a storefront, instead of three line items. Compare →](/alternatives/stripe) - [03 ### Lemon Squeezy A flat rate with no surcharges for selling abroad or billing monthly. Compare →](/alternatives/lemon-squeezy) - [04 ### Dodo Payments A lower headline that adds surcharges. Ours is flat, with disputes absorbed. Compare →](/alternatives/dodo-payments) - [05 ### Gumroad Half the commission, and AI products are welcome here. Compare →](/alternatives/gumroad) - [06 ### FastSpring Their rate is quote-only. Ours is on the pricing page. Compare what is published. Compare →](/alternatives/fastspring) - [07 ### Chargebee They bill. You still need a gateway, a merchant account and your own tax filings. Compare →](/alternatives/chargebee) - [08 ### Xsolla Their 5% is 5% plus cost of channel. Ours is the whole number. Compare →](/alternatives/xsolla) - [09 ### Cleverbridge Enterprise merchant of record, sales-gated. Start selling today instead. Compare →](/alternatives/cleverbridge) - [10 ### Nexway Enterprise merchant of record that lists early-stage businesses as limited support. Compare →](/alternatives/nexway) ## Worth ten minutes before you decide on the headline Build a store, take a real payment, and watch the payout land the next day with nothing taken off it. If the rate still decides it, at least you will have priced both sides properly. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. No credit card required. ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://fungies.io/#organization","name":"Fungies","legalName":"Fungies Inc.","url":"https://fungies.io/","description":"Merchant of Record for SaaS, games, and digital products. 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Whether that holds across a year depends on the fees around it — a payout fee of 7 USD/EUR or 1% twice a month, and 25 USD/EUR for every chargeback, add up differently depending on how often you withdraw and how often you are disputed."}},{"@type":"Question","name":"Does Creem really charge for chargebacks?","acceptedAnswer":{"@type":"Answer","text":"Their documentation says 25 USD/EUR for each chargeback and adds that the fee is owed to their providers rather than being profit for them. Their terms go further and place full financial responsibility for chargebacks on the merchant. Their pricing page separately advertises chargeback protection under a heading that promises no extra charges. All three are Creem's own pages, they were read on 2 August 2026, and we have linked them above so you can check rather than take our word for it. On our side there is no per-dispute fee."}},{"@type":"Question","name":"How quickly does each of you pay out?","acceptedAnswer":{"@type":"Answer","text":"We pay daily by default into your connected account, with no minimum balance and no fee, and you can switch to weekly, monthly or manual. Creem pays on the 1st and the 15th, needs a 50 USD/EUR balance, charges 7 USD/EUR or 1% per payout, and holds funds 7 to 12 days for risk assessment before they join a cycle. A sale made just after a cut-off can be roughly three weeks from reaching your bank."}},{"@type":"Question","name":"Can Creem sell game keys or in-app purchases?","acceptedAnswer":{"@type":"Answer","text":"No. Their published prohibited list names in-game items, currencies and virtual goods tied to third-party games, along with physical goods and crypto assets. They are built for software, SaaS, ebooks and digital assets, and they are clear about it. We run web stores for mobile in-app purchases, deliver Steam and other platform keys from an uploaded CSV, and sell in-game items and currency packs."}},{"@type":"Question","name":"How much tax coverage does each of you have?","acceptedAnswer":{"@type":"Answer","text":"We handle VAT, GST and sales tax across 150+ countries, including all 27 EU member states. Creem's figure depends which of their pages you read — their documentation says 190+ countries and their pricing page says 50+. We are not going to guess which is current, and it is a fair question to put to them directly."}},{"@type":"Question","name":"Where did these figures come from?","acceptedAnswer":{"@type":"Answer","text":"Creem's pricing page, their payouts and chargebacks documentation, and their prohibited products list, all read on 2 August 2026 and linked under the table above. Their pricing can change, and if their pages and this one ever disagree, theirs are the accurate ones."}}]}]} ```