Paylio vs Creem
Both built for indie hackers. But Paylio gives you flat pricing, built-in entitlements, and multi-gateway routing.
Feature
Paylio
Creem
Free tier
Up to 100 subs
0% on first $1K
Pricing model
Flat monthly ($19/mo)
3.9% + 40¢ per transaction
Built-in entitlements
Yes
No
Visual plan builder
Yes (no-code)
No
Multi-gateway routing
Stripe + Razorpay
Stripe only
Embeddable checkout
Yes (iframe widget)
Yes
Merchant of Record
No (you own customers)
Yes
Tax handling
Via gateway
Automatic (MoR)
Affiliate program
Coming soon
Built-in
Integration speed
~5 minutes
~2 hours
The Flat Pricing Advantage
Creem charges 3.9% + 40¢ per transaction. For a business processing $5,000/month, that's roughly $195/month in fees. Paylio charges a flat $19/month regardless of volume.
Choose Paylio if:
- You want flat, predictable pricing that doesn't scale with revenue
- You need built-in entitlements (Creem doesn't offer this)
- You want multi-gateway support for global customers (India via Razorpay)
- You want to own your customer relationships directly
Choose Creem if:
- You want a Merchant of Record to handle taxes and compliance
- You need built-in affiliate programs
- You want 0% fees on your first $1K in revenue
Flat Pricing. No Surprises.
Start with 100 free subscribers. Upgrade to flat $19/mo when you're ready.
Get Started Free