Stripe vs Creem
Stripe 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 Stripe if
- Communities with a business in a Stripe country that want full control and are ready to handle their own sales tax.
- You'd rather be the seller yourself and keep tax in your own hands.
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.
Side by side
| Stripe | Creem | |
|---|---|---|
| Handles sales tax and VAT (merchant of record) | No, you do | Yes |
| Card fee | 2.9% + 30¢ (US cards). Plus 1.5% for international cards and 1% if currency conversion is needed. Billing adds 0.7% on subscriptions. Optional Managed Payments (merchant of record) adds 3.5%. | 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, Apple Pay, Google Pay, Link, Klarna, ACH Direct Debit, UPI, Pix, bank payments, stablecoins | cards, Apple Pay, Google Pay |
| Recurring billing | Subscriptions through Stripe Billing, mainly by card, wallet or bank debit. | Subscriptions by card or wallet. |
| Who can sign up as a seller | About 44 countries self-serve; Kenya, Nigeria, Ghana, South Africa and Côte d'Ivoire are served through Paystack instead | 87 countries, including Kenya, Nigeria and South Africa |
| Payouts | Bank account in the seller's country | Local bank transfer or USDC wallet, on the 1st and 15th |
| Free test mode | Yes | Yes |
| Connecting it to Ubunya | Paste a secret or restricted key. We add the webhook for you. | Paste an API key. We add the webhook for you. |
| Prices on your community | Your Stripe monthly, yearly and one-time prices. | Your Creem products, subscription or one-time. |
| Renewals in Ubunya | Cards renew automatically every month or year. | Renews automatically. |
| Members' billing page | Stripe's customer portal: card, invoices, cancel. | Creem's customer portal. |
From Stripe'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, Stripe or Creem?+
Creem is a merchant of record and handles VAT and sales tax for you; with Stripe you're the seller and tax is yours to handle.
Can members pay with M-Pesa on Stripe or Creem?+
Stripe: not that we could find on its website. Creem: not that we could find on its website.
Can I use Stripe or Creem with Ubunya?+
Yes, both. Connect your own account under Manage → Payments. Stripe: Paste a secret or restricted key. We add the webhook 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.