Creem vs Kelviq
Creem or Kelviq for your paid community?
Both work with Ubunya: members who pay are let in automatically, and lose access when their membership ends. Here's how they differ on fees, payment methods, tax and payouts.
The short answer
Choose Creem if
- Small sellers in Kenya or Nigeria who want tax handled and a low flat fee.
Choose Kelviq if
- Software and digital sellers who want tax handled at a lower fee than Paddle or Lemon Squeezy.
Side by side
| Creem | Kelviq | |
|---|---|---|
| Handles sales tax and VAT (merchant of record) | Yes | Yes |
| Card fee | 3.9% + 40¢. No extra fee for international cards. Payout fee is 7 USD/EUR or 1%, whichever is higher. | 3.5% + 40¢ (2.9% + 40¢ on your first $5,000). Plus 1.5% for non-US cards and 0.7% on subscription renewals. |
| Members can pay with | cards, Apple Pay, Google Pay | cards, Apple Pay, Google Pay, PayPal, SEPA, iDEAL, UPI |
| Recurring billing | Subscriptions by card or wallet. | Subscriptions by card and wallets; UPI AutoPay in India. |
| Who can sign up as a seller | 87 countries, including Kenya, Nigeria and South Africa | 90+ countries, including Kenya, Nigeria and South Africa |
| Payouts | Local bank transfer or USDC wallet, on the 1st and 15th | Local bank account, 7 days after each sale |
| Free test mode | Yes | Yes |
| Connecting it to Ubunya | Paste an API key. We add the webhook for you. | Paste a server API key, then add our webhook in Kelviq and paste its secret. |
| Prices on your community | Your Creem products, subscription or one-time. | You type in the plan identifiers from Kelviq. |
| Renewals in Ubunya | Renews automatically. | Renews automatically. |
| Members' billing page | Creem's customer portal. | Kelviq's customer portal. |
From Creem's and Kelviq's own websites, checked November 2026. Prices change; check theirs before you sign up. Compare all 11 providers.
Questions
Which handles tax, Creem or Kelviq?+
Both are merchants of record: they sell to your members and handle VAT and sales tax for you.
Can members pay with M-Pesa on Creem or Kelviq?+
Creem: not that we could find on its website. Kelviq: not that we could find on its website.
Can I use Creem or Kelviq with Ubunya?+
Yes, both. Connect your own account under Manage → Payments. Creem: Paste an API key. We add the webhook for you. Kelviq: Paste a server API key, then add our webhook in Kelviq and paste its secret.
What happens when a member stops paying?+
Their access stays until the end of what they paid for, plus the grace days you set (three by default). Then the community closes to them. Staff never lose access.
More comparisons
Charge for your community with the account you already have
Connect it under Manage → Payments. Paying members are let in automatically.