specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Creem
providerId: creem
created: '2026-06-21'
modified: '2026-06-21'
reconciled: true
tags:
- Payments
- Merchant of Record
- Subscriptions
- SaaS
- Billing
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Creem spend. Creem is a merchant of record that charges a
  flat percentage plus a fixed fee on each successful transaction
  (3.9% + $0.40), with no setup or monthly fees. Cost scales directly with
  processed payment volume and the count of successful transactions, so the
  primary levers are average order value, transaction count, refund/dispute
  rate, and currency mix. Payouts are made twice monthly.
notes: >-
  Per-transaction percentage and fixed fee are subject to change; verify
  against the Creem pricing page and confirm any dispute, chargeback, or
  currency-conversion fees during reconciliation.
sources:
- https://www.creem.io/pricing
- https://docs.creem.io
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Creem
serviceCategory: Payments and Billing
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per Transaction
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Adjustment
focusColumns:
  ServiceName: Creem Payments
  ServiceCategory: Payments and Billing
  ProviderName: Creem
  PublisherName: Creem
  InvoiceIssuerName: Creem (Armitage Labs)
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: transaction_percentage_fee
  description: Percentage component (3.9%) charged on the value of each successful transaction.
  unit: percent
  aggregation: sum
  dimensions:
  - account
  - product
  - currency
- name: transaction_fixed_fee
  description: Fixed per-transaction component ($0.40) charged on each successful transaction.
  unit: transactions
  aggregation: count
  dimensions:
  - account
  - product
- name: processed_volume
  description: Gross payment volume processed through Creem, the base for percentage fees.
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - product
  - currency
- name: refunds_disputes
  description: Refunds, chargebacks, and disputes that reverse or adjust prior charges.
  unit: transactions
  aggregation: count
  dimensions:
  - account
  - product
principles:
- name: Visibility
  description: Pull Creem transaction history via the Transactions API; reconcile gross volume vs. fees and payouts.
- name: Allocation
  description: Tag transactions with product_id and metadata to map revenue and processing cost to teams and products.
- name: Optimization
  description: Reduce effective fee rate by increasing average order value, minimizing refunds/disputes via fraud protection, and consolidating low-value charges.
- name: Accountability
  description: Review the twice-monthly payout statements against expected net revenue and budget each billing cycle.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com