An AI agent that reads your contracts, sends invoices on schedule, chases unpaid ones, and reconciles the payments that come back in — so nobody has to babysit a billing spreadsheet.
justpaid.ai
Alternatives to
Creem
Best alternatives to Creem in 2026
Selling software online — especially across many countries — comes with a pile of unglamorous paperwork most founders don't want to deal with: registering for sales tax in dozens of jurisdictions, handling currency conversion, fighting chargebacks, and paying out revenue shares to affiliates or co-founders. Creem positions itself as a 'Merchant of Record' for software companies, meaning it legally takes on the role of the seller on your behalf, files the tax paperwork in 100+ countries, and hands you back a single monthly payout — so a solo developer or small team can sell globally without becoming a part-time tax accountant. Creem charges a flat 3.9% + $0.40 per successful transaction with no setup fees, monthly fees, or minimum volume requirements, and bundles in checkout, subscription and dunning management, automated revenue splits (useful for affiliate programs or co-founder payouts), digital delivery of license keys and discount codes, fraud protection, and multi-currency support with no added international card fees. It also ships an AI assistant called Creemie for handling routine billing questions, and a customer self-service portal so buyers can manage their own subscriptions without emailing support.
Quick comparison of Creem alternatives
| # | Tool | Best for | Price |
|---|---|---|---|
| 1 | Entreprises B2B (santé, immobilier, finance, comptabilité, IA, startups) avec facturation contractuelle irrégulière | — | |
| 2 | Freelances, PME, comptables, e-commerçants, gestionnaires financiers, agences et startups | — | |
| 3 | Artisans, plombiers, électriciens et entreprises de services intervenant sur site | — | |
| 4 | E-commerçants et développeurs voulant accepter des paiements crypto sans intermédiaire détenant les fonds | — | |
| 5 | Équipes SaaS et business par abonnement utilisant Stripe, cherchant à réduire le churn involontaire (paiements échoués) | — | |
| 6 | Équipes finance de PME/scale-ups en croissance gérant plusieurs comptes bancaires et entités | — | |
| 7 | Développeurs et entreprises construisant des systèmes de paiement multi-fournisseurs souhaitant éviter le lock-in vendeur | — | |
| 8 | Équipes financières de grandes organisations gérant des paiements fournisseurs mondiaux et une conformité multi-juridictions | — | |
| 9 | Startups, banques et entreprises cherchant à intégrer des services financiers (paiements, financement, gestion de transactions) | — | |
| 10 | Entreprises de taille moyenne à grande dans des secteurs complexes (institutions financières, médias numériques, restauration) nécessitant une gestion sophistiquée de trésorerie et comptes créditeurs | — | |
| 11 | Développeurs et équipes produit/RevOps de SaaS et entreprises d'IA passant à la facturation à l'usage | — | |
| 12 | Mouveurs institutionnels de fonds, protocoles DeFi, exchanges, plateformes de paiement, agents IA, issueurs de stablecoins, gestionnaires de trésorerie et développeurs | — |
#1
- ✓ Lit les contrats et en extrait les termes de facturation automatiquement
- ✓ Relances de paiement adaptatives pilotées par IA
#2
Forward your invoices by email, snap a photo, or upload a PDF, and Invograb reads and organizes them automatically, so a freelancer or small business owner isn't manually typing invoice data into a spreadsheet every month.
invograb.com
- ✓ Capture automatique par email, photo ou PDF
- ✓ Extension Chrome pour factures cloud (Stripe, AWS...)
#3
Voice-to-invoice software for tradies and contractors: describe a job out loud on-site and get a professional quote or invoice ready to send in under a minute.
smashinvoices.com
- ✓ Quotes/invoices created by voice in under 60 seconds
- ✓ Free plan, no credit card required
#4
A non-custodial crypto payment gateway that lets merchants accept 4,000+ crypto assets straight to their own wallet, with no middleman ever holding the funds.
paymento.io
- ✓ Non-custodial: funds go directly to the merchant's wallet
- ✓ Supports 4,000+ crypto assets
#5
Automatically recovers failed Stripe subscription payments through smart retries and dunning emails, so subscription businesses stop losing revenue to expired cards and declined charges.
getchurnshield.com
- ✓ Two-minute OAuth connection, no code required
- ✓ ML model optimizes retry timing
#6
An AI system that runs your company's day-to-day treasury, payroll, and bill-paying work, so a finance team doesn't have to log into five different bank portals every morning.
roundtreasury.com
- ✓ Agentic Workflow Builder pilotable en langage naturel
- ✓ Automatisation complète paie + trésorerie + AP
#7
An open-source TypeScript SDK that gives you one consistent API for Stripe, PayPal, Polar, Paystack and other payment providers, so switching providers later takes two lines of code instead of a rewrite.
usepaykit.dev
- ✓ API unifiée sur Stripe, PayPal, Polar, Paystack et plus
- ✓ Switch de fournisseur en 2 lignes de code
#8
An AI-powered finance automation platform that handles vendor invoices, mass payments to 200+ countries, expenses, and treasury for finance teams who'd otherwise be doing this by hand in spreadsheets and bank portals.
tipalti.com
- ✓ Paiements automatisés dans 200+ pays et 120 devises
- ✓ Conformité fiscale/réglementaire intégrée (formulaires fiscaux, OFAC)
#9
An API-first embedded finance platform that lets startups, banks, and enterprises launch banking features — payment orchestration, transaction authentication, credit decisioning — without building that infrastructure from scratch.
stakk.tech
- ✓ Plateforme API-first modulaire pour banking-as-a-service
- ✓ Orchestration de paiements incluant rails ABA/NPP
#10
An API-first treasury and payments platform offering virtual cards, wire transfers, and ACH, with automated accounts-payable processing and real-time spend controls, built for mid-to-large companies with complex payment operations.
sharppayments.com
- ✓ Cartes virtuelles, virements et ACH dans une seule plateforme
- ✓ Automatisation AP avec contrôles de dépenses en temps réel
#11
An open-source platform that tracks how much customers actually use your product in real time, so you can bill them based on usage — API calls, AI tokens, storage — instead of guessing with flat-rate plans.
openmeter.io
- ✓ Métrisation d'usage en temps réel sans redéploiement pour changer les règles
- ✓ Open-source et self-hostable
#12
A programmable, multi-chain stablecoin infrastructure that lets developers and institutions route, swap, and settle stablecoins non-custodially across 16+ blockchains through one unified API, with atomic settlement in 20-40 seconds.
eco.com
- ✓ Routage non-custodial de stablecoins sur 16+ blockchains
- ✓ Règlement atomique en 20-40 secondes avec garanties cryptographiques
FAQ about Creem alternatives
- What is the best alternative to Creem in 2026?
- Based on our selection, JustPaid is the best alternative to Creem in 2026. An AI agent that reads your contracts, sends invoices on schedule, chases unpaid ones, and reconciles the payments that come back in — so nobody has to babysit a billing spreadsheet.. See our full ranking above to compare all options.
- Is Creem free?
- Creem is a paid tool. Several alternatives in our selection offer free or freemium versions.
- How many alternatives to Creem are there?
- mySelectas has listed 12 alternatives to Creem in the Payments, Billing & Ops category. Our selection is updated regularly to include the best options available.