A: Hey, thanks for the question! I see a lot of upvotes in it, so I'm sure other people will benefit from this!

1) Do I need Stripe?
Nope, you don’t need a Stripe account to use Creem! Our fee package includes everything you need for processing payments, so you could definitely consider us an alternative to Stripe—with the added benefit of being a Merchant of Record (MoR). 🚀

If you are located in Europe, you do have the option to use a Stripe Connect account to receive payouts and payments. The added benefit of using Stripe Connect in Europe is that it comes with 0% payout fees! However, it’s not mandatory—it’s just an option to make payouts even more cost-effective. 💶

2) Fees for Subscriptions and One-Time Payments?
Quick clarification here: Our single packaged fee means there are no additional fees for subscriptions, international transactions, or different payment methods—it’s all covered under one transparent fee.

The 0% fee applies to the first $10,000.00 you process, and after that, the standard fee kicks in (depending on your tier). This doesn’t mean that subscription payments are 0% fees—it just means that subscriptions and one-time payments are charged the same fee, rather than having separate or additional rates. 💡

Let me know if you need any more info—always happy to help! 😊🚀