Softwr

Accounting · head to head

Creem vs Increase

Creem logo

Creem

Accounting

All-in-one payment and compliance platform for software companies

From
$3.9/percent
Rated
-
Full reviewWebsite
Increase logo

Increase

APIs

Direct banking API for ACH, wires, real-time payments, accounts and cards

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Creem per-transaction fee model scales with volume, potentially expensive for high-frequency transactions; Increase the published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • They diverge on capability: Creem covers Global payments processing, Increase covers ACH origination and receipt.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Creem and Increase actually diverge.

Attributes where Creem and Increase differ
AttributeCreemIncrease
Starting price$3.9/percentOn request
Pricing modelPer-transaction flat ratequote
PlatformsWeb, iOS, AndroidAPI, Web
CategoryAccountingAPIs

Identical on both: free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Creem

  • Global payments processing
  • Automated tax compliance
  • Subscription billing
  • Revenue distribution
  • Digital product support
  • Fraud protection
  • AI business assistant
  • Affiliate platform

Only in Increase

  • ACH origination and receipt
  • Domestic wires
  • Real-time payments
  • Bank accounts
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

What people use each for

The jobs each tool is most often brought in to do.

Creem

  • SaaS subscription billing and managementnot Increase
  • Digital product distribution with license keysnot Increase
  • Global payment processing across 100+ countriesnot Increase
  • Revenue sharing among co-founders and affiliatesnot Increase
  • Automated tax compliance for international salesnot Increase

Increase

  • A payroll or treasury product that needs to originate same-day ACH and wires under its own control rather than through a payment processornot Creem
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Creem
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Creem
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Creem

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Creem

  • Per-transaction fee model scales with volume, potentially expensive for high-frequency transactions
  • Limited to software and digital product companies, not suitable for physical goods
  • AI business assistant availability and capabilities not fully detailed
  • Requires using Creem as Merchant of Record, limiting white-label options
  • Mobile app only available in beta for iOS and Android

Increase

  • The published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • Free allowances are deliberately small at ten account numbers and five physical cards, so any programme issuing accounts or cards at volume moves to quoted pricing almost immediately.
  • Banking is provided through partner banks, so programme approval, compliance obligations and the ability to launch at all depend on a bank relationship you do not control, and post-Synapse bank risk appetite has tightened considerably.
  • The API deliberately exposes payment rail mechanics rather than smoothing them, which is correct engineering but means a team without payments expertise will build reconciliation and return handling wrongly and only discover it when funds go astray.
  • Coverage is United States only, so a company with international payout needs runs a second provider and reconciles two ledgers, and the single API argument disappears at the first cross border customer.

Pricing, plan by plan

Creem

$3.9/percent
  • StandardFree
    • 3.9% + $0.40 per transaction
    • No setup fees
    • No monthly fees

Increase

On request
  • Increase Platform$undefined/month
    • Monthly fee quoted by use case and not published
    • Next-day ACH origination listed at 0.50 US dollars per transaction
    • Same-day ACH origination listed at 2.00 per transaction

Which should you pick?

Choose Creem if

  • You need global payments processing.
  • You work on Web, iOS, Android.
  • You also want automated tax compliance.
Creem review

Choose Increase if

  • You need ach origination and receipt.
  • You work on API, Web.
  • You also want domestic wires.
Increase review

Questions people ask

Is Creem or Increase better?
Neither clearly leads. Creem starts at $3.9/percent and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Creem or Increase?
Creem starts at $3.9/percent and Increase at On request.
Does Creem or Increase run on more platforms?
Creem runs on Web, iOS, Android. Increase runs on API, Web.
What is Creem best used for?
Creem is most often used for saas subscription billing and management, digital product distribution with license keys, global payment processing across 100+ countries, revenue sharing among co-founders and affiliates. Of those, saas subscription billing and management and digital product distribution with license keys are not what Increase is typically brought in for.
What can Creem do that Increase cannot?
Creem covers Global payments processing, Automated tax compliance, Subscription billing, Revenue distribution. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Creem: What are Creem's transaction fees compared to competitors?

Creem charges a flat 3.9% plus 40 cents per successful transaction with no additional setup, monthly, or hidden fees. For a $5,000 transaction volume, Creem estimates $235 in fees compared to Lemon Squeezy at $565 ($400 + $165).

Source
Increase: Does Increase publish its pricing?

Partly. Per transaction fees for ACH, wires, RTP, FedNow and cards are listed publicly. The monthly platform fee is not, and it is described only as varying by use case.

Creem: Does Creem handle international tax compliance?

Yes. Creem automatically handles VAT, GST, and sales tax filing and remittance as a Merchant of Record across 50+ countries, eliminating manual tax compliance work.

Source
Increase: Who holds the deposits?

Partner banks, not Increase itself. That relationship determines your programme approval, your compliance obligations and your risk if the bank changes appetite.

Creem: Can I use Creem for subscription billing?

Yes. Creem provides subscription management with billing, dunning, and a customer portal. Revenue splits are included for distributing earnings to co-founders and affiliates.

Source
Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

Increase: How is it different from a middleware BaaS platform?

It exposes the rails rather than abstracting them, showing real return codes and settlement timing. That suits teams who understand payments and punishes teams who do not.

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