Pesapal vs Creem
Pesapal or Creem 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 Pesapal if
- East African businesses that want card and M-Pesa payments from a local provider.
- You'd rather be the seller yourself and keep tax in your own hands.
- Your members pay with M-Pesa.
- Members are happy to pay again each month or year rather than save a card.
Choose Creem if
- Small sellers in Kenya or Nigeria who want tax handled and a low flat fee.
- You want Creem to handle sales tax and VAT as the merchant of record.
- Members should manage their own card and cancel without asking you.
Side by side
| Pesapal | Creem | |
|---|---|---|
| Handles sales tax and VAT (merchant of record) | No, you do | Yes |
| Card fee | Not published. Pesapal charges a per-transaction fee but publishes no rates; ask their sales team. | 3.9% + 40¢. No extra fee for international cards. Payout fee is 7 USD/EUR or 1%, whichever is higher. |
| Members can pay with | cards (Visa, Mastercard, Amex), M-Pesa, mobile money, mobile banking | cards, Apple Pay, Google Pay |
| Recurring billing | Recurring payments by Visa or Mastercard only; the payer approves the schedule on Pesapal's page. | Subscriptions by card or wallet. |
| Who can sign up as a seller | Kenya, Uganda, Tanzania, Rwanda, Malawi, Zambia, Zimbabwe | 87 countries, including Kenya, Nigeria and South Africa |
| Payouts | Bank account in the country you registered in, within about 3 working days | Local bank transfer or USDC wallet, on the 1st and 15th |
| Free test mode | Yes | Yes |
| Connecting it to Ubunya | Paste your consumer key and secret. We register the payment notification URL for you. | Paste an API key. We add the webhook for you. |
| Prices on your community | You type the prices in: monthly, yearly or one-time. | Your Creem products, subscription or one-time. |
| Renewals in Ubunya | Each payment buys one month or year; members pay again by M-Pesa, Airtel Money or card when it ends. | Renews automatically. |
| Members' billing page | None: members pay again from your community page. | Creem's customer portal. |
From Pesapal's and Creem's own websites, checked November 2026. Prices change; check theirs before you sign up. Compare all 11 providers.
Questions
Which handles tax, Pesapal or Creem?+
Creem is a merchant of record and handles VAT and sales tax for you; with Pesapal you're the seller and tax is yours to handle.
Can members pay with M-Pesa on Pesapal or Creem?+
Pesapal: yes. Creem: not that we could find on its website.
Can I use Pesapal or Creem with Ubunya?+
Yes, both. Connect your own account under Manage → Payments. Pesapal: Paste your consumer key and secret. We register the payment notification URL for you. Creem: Paste an API key. We add the webhook for you.
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.