{
  "schema_version": "1.0",
  "checked_at": "2026-10-16",
  "provider": {
    "incidents": [],
    "posts": [],
    "opinions": [],
    "conditional": [
      "US",
      "GB",
      "CA",
      "AU",
      "IN",
      "BR",
      "SG",
      "AE",
      "DE",
      "FR",
      "NL",
      "EE",
      "IE",
      "PL",
      "ES",
      "PT"
    ],
    "supported": [],
    "unsupported": [
      "RU",
      "BY"
    ],
    "id": "creem",
    "name": "Creem",
    "color": "#f4b799",
    "model": "Merchant of Record",
    "kind": "mor",
    "price": "3.9% + 40¢",
    "priceLabel": "Base checkout · payout fees extra",
    "pct": 3.9,
    "fixed": 0.4,
    "calc": true,
    "summary": "A low headline checkout rate. Look at payouts as well.",
    "description": "Creem acts as MoR for supported digital-product sales. Its public checkout price is 3.9% + $0.40 with no monthly charge, but payout minimum fees and optional growth tools can materially change the full cost of a small business.",
    "fit": [
      "Approved digital-product businesses comparing MoR options",
      "Sellers who can model the payout fee as well as checkout"
    ],
    "avoid": [
      "Businesses choosing solely by the headline percentage",
      "Anyone assuming undocumented processor independence"
    ],
    "stripe": "The complete current acquiring stack was not established by this research. A non-Stripe payout rail would not by itself prove Stripe-free processing.",
    "countryNote": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
    "fees": [
      [
        "Base checkout",
        "3.9% + $0.40"
      ],
      [
        "Monthly platform fee",
        "$0"
      ],
      [
        "Bank payout",
        "Greater of 7 USD/EUR or 1% of payout"
      ],
      [
        "USDC payout via Polygon",
        "2% of payout volume"
      ],
      [
        "Optional growth tools",
        "Additional fees can apply"
      ]
    ],
    "payout": "The documentation describes a 50 USD/EUR threshold and withdrawal queues around the 1st and 15th, with banking and holiday effects. The minimum bank payout fee is particularly relevant at low volume.",
    "refund": "Creem can issue preventive refunds within 60 days. A universal public dispute-fee figure was not established in this research, so it is unknown rather than zero.",
    "tax": "Creem describes a contractual MoR relationship for supported digital sales. Verify the actual seller terms and supported product rather than relying on the tax-handling headline alone.",
    "risk": "Merchant terms allow reserves and holds. A stated investigation window for suspected prohibited transactions is not a universal delay for every payout. Review the precise circumstances.",
    "developer": "Confirm supported APIs, webhook behavior, product types and integration requirements in the current documentation. Optional affiliate, recovery and split tools have their own pricing.",
    "portability": null,
    "tags": [
      "merchant-of-record-mor",
      "recurring-saas",
      "developer-friendly",
      "payment-links",
      "digital-downloads",
      "for-indie-makers",
      "affiliates",
      "license-keys",
      "usage-based-billing",
      "paypal",
      "no-code"
    ],
    "sources": [
      {
        "id": "creem-pricing",
        "title": "Creem pricing",
        "url": "https://www.creem.io/pricing",
        "checked_at": "2026-10-16",
        "type": "official_documentation"
      },
      {
        "id": "creem-country",
        "title": "Creem supported countries",
        "url": "https://docs.creem.io/merchant-of-record/supported-countries",
        "checked_at": "2026-10-16",
        "type": "official_documentation"
      },
      {
        "id": "creem-payout",
        "title": "Creem payout fees and schedule",
        "url": "https://docs.creem.io/merchant-of-record/finance/payouts",
        "checked_at": "2026-10-16",
        "type": "official_documentation"
      },
      {
        "id": "creem-terms",
        "title": "Creem merchant terms",
        "url": "https://www.creem.io/terms",
        "checked_at": "2026-10-16",
        "type": "official_documentation"
      },
      {
        "id": "creem-refunds",
        "title": "Creem refunds and chargebacks",
        "url": "https://docs.creem.io/merchant-of-record/finance/refunds-and-chargebacks",
        "checked_at": "2026-10-16",
        "type": "official_documentation"
      },
      {
        "id": "creem-compatibility-0",
        "title": "Creem: compatibility review source",
        "url": "https://www.creem.io/",
        "type": "official_documentation",
        "checked_at": "2026-10-17"
      },
      {
        "id": "creem-compatibility-1",
        "title": "Creem: supporting feature documentation",
        "url": "https://docs.creem.io/llms.txt",
        "type": "official_documentation",
        "checked_at": "2026-10-17"
      }
    ],
    "compatibility_review": {
      "checked_at": "2026-10-17",
      "scope": "Official product pages describe usage meters, credits, PayPal, payment links and affiliates; the API documents license operations. Digital fulfillment can require integration.",
      "source_ids": [
        "creem-compatibility-0",
        "creem-compatibility-1"
      ],
      "added": [
        "license-keys",
        "usage-based-billing",
        "paypal",
        "no-code"
      ],
      "removed": [],
      "editorial_use_cases": [
        "for-indie-makers"
      ]
    },
    "customer_posts": [
      {
        "providers": [
          "creem"
        ],
        "section": "onboarding",
        "author": "Daniel Smidstrup",
        "handle": "DanielSmidstrup",
        "date": "2026-04-22",
        "url": "https://x.com/DanielSmidstrup/status/2047036423862129078",
        "text": "Daniel reports approval within hours and responsive in-app support during his use of Creem.",
        "context": "A positive individual experience, not a guaranteed approval time or support SLA.",
        "discovery": "https://www.creem.io/",
        "type": "individual_experience",
        "verified_at": "2026-10-18",
        "verification": {
          "method": "X public oEmbed",
          "author_name": "Daniel Smidstrup",
          "author_url": "https://x.com/DanielSmidstrup",
          "verified_at": "2026-10-18"
        },
        "selection": "Discovered in a provider-curated testimonial collection; not a representative complaint sample.",
        "embed_html": "<blockquote class=\"twitter-tweet\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">It has been quite amazing working with <a href=\"https://x.com/creem_io?ref_src=twsrc%5Etfw\">@creem_io</a>!<br><br>Account approvals take hours, not days.<br><br>They are reachable in their app, and their AI support agent actually answers queries directly and clearly.<br><br>Happy to grow together with them! <a href=\"https://t.co/GdwJTo534B\">pic.twitter.com/GdwJTo534B</a></p>&mdash; Daniel Smidstrup (@DanielSmidstrup) <a href=\"https://x.com/DanielSmidstrup/status/2047036423862129078?ref_src=twsrc%5Etfw\">April 22, 2026</a></blockquote>",
        "relationship": "Customer / merchant first-person report",
        "original_text": "It has been quite amazing working with  @creem_io !  Account approvals take hours, not days.  They are reachable in their app, and their AI support agent actually answers queries directly and clearly.  Happy to grow together with them!  pic.twitter.com/GdwJTo534B "
      },
      {
        "providers": [
          "creem"
        ],
        "section": "subscriptions",
        "author": "Thomas Sanlis",
        "handle": "T_Zahil",
        "date": "2026-07-20",
        "url": "https://x.com/T_Zahil/status/2079226582624043460",
        "text": "The Uneed founder describes requesting a way to search discount codes and seeing Creem ship it.",
        "context": "A concrete product-feedback experience. Creem sponsored Uneed Residency; this is a customer report with a disclosed commercial relationship.",
        "discovery": "https://www.creem.io/",
        "type": "individual_experience",
        "verified_at": "2026-10-18",
        "verification": {
          "method": "X public oEmbed",
          "author_name": "Thomas Sanlis 🥐",
          "author_url": "https://x.com/T_Zahil",
          "verified_at": "2026-10-18"
        },
        "selection": "Discovered in a provider-curated testimonial collection; not a representative complaint sample.",
        "embed_html": "<blockquote class=\"twitter-tweet\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">That&#39;s one of the reasons I love <a href=\"https://x.com/creem_io?ref_src=twsrc%5Etfw\">@creem_io</a><br><br>I&#39;m generating A LOT of discount codes for Uneed every day, and I needed to be able to search them<br><br>So I suggested the feature in their board a few weeks ago, and... it&#39;s been implemented 🤩! <a href=\"https://t.co/JedcwVIYbv\">pic.twitter.com/JedcwVIYbv</a></p>&mdash; Thomas Sanlis 🥐 (@T_Zahil) <a href=\"https://x.com/T_Zahil/status/2079226582624043460?ref_src=twsrc%5Etfw\">July 20, 2026</a></blockquote>",
        "relationship": "Customer / merchant first-person report",
        "original_text": "That's one of the reasons I love  @creem_io   I'm generating A LOT of discount codes for Uneed every day, and I needed to be able to search them  So I suggested the feature in their board a few weeks ago, and... it's been implemented 🤩!  pic.twitter.com/JedcwVIYbv "
      },
      {
        "providers": [
          "creem"
        ],
        "section": "portability",
        "author": "Florin Pop",
        "handle": "FlorinPop17",
        "date": "2025-11-28",
        "url": "https://x.com/FlorinPop17/status/1994387191221436701",
        "text": "Florin reports moving payments for all his products to Creem and plans to test revenue splitting.",
        "context": "The migration is reported as complete; the revenue-split feature had not yet been tested in this post.",
        "discovery": "https://www.creem.io/",
        "relationship": "Customer / merchant first-person report",
        "verification": {
          "method": "X public oEmbed",
          "author_name": "Florin Pop 👨🏻‍💻",
          "author_url": "https://x.com/FlorinPop17",
          "verified_at": "2026-10-18"
        },
        "embed_html": "<blockquote class=\"twitter-tweet\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">I switched the payments to all my products to <a href=\"https://x.com/creem_io?ref_src=twsrc%5Etfw\">@creem_io</a>, and I couldn&#39;t be happier! 🤩<br><br>Soon I&#39;m going to test their split-revenue feature - this is the one I&#39;m most excited about. Will keep you posted <a href=\"https://t.co/QfHQhUWH4b\">pic.twitter.com/QfHQhUWH4b</a></p>&mdash; Florin Pop 👨🏻‍💻 (@FlorinPop17) <a href=\"https://x.com/FlorinPop17/status/1994387191221436701?ref_src=twsrc%5Etfw\">November 28, 2025</a></blockquote>",
        "original_text": "I switched the payments to all my products to  @creem_io , and I couldn't be happier! 🤩  Soon I'm going to test their split-revenue feature - this is the one I'm most excited about. Will keep you posted  pic.twitter.com/QfHQhUWH4b ",
        "type": "individual_experience",
        "verified_at": "2026-10-18"
      },
      {
        "providers": [
          "creem"
        ],
        "section": "subscriptions",
        "author": "Marko Denic",
        "handle": "denicmarko",
        "date": "2026-09-14",
        "url": "https://x.com/denicmarko/status/2099464501410041890",
        "text": "Marko describes using Creem for Active Builders payments and automatic revenue splitting, with an affiliate program planned next.",
        "context": "A specific cofounder workflow. The published post is truncated in public oEmbed; the visible text supports payments and splitting, not measured affiliate results.",
        "discovery": "https://www.creem.io/",
        "relationship": "Customer / merchant first-person report",
        "verification": {
          "method": "X public oEmbed",
          "author_name": "Marko Denic",
          "author_url": "https://x.com/denicmarko",
          "verified_at": "2026-10-18"
        },
        "embed_html": "<blockquote class=\"twitter-tweet\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">When <a href=\"https://x.com/joncphillips?ref_src=twsrc%5Etfw\">@joncphillips</a> and I started Active Builders, we needed two things: an easy payment processor and automatic revenue split.<a href=\"https://x.com/creem_io?ref_src=twsrc%5Etfw\">@creem_io</a> handled both out of the box. Plus, now that we&#39;re planning to launch our affiliate program, they support that natively too. That’s why… <a href=\"https://t.co/Tdl65Ithhv\">pic.twitter.com/Tdl65Ithhv</a></p>&mdash; Marko Denic (@denicmarko) <a href=\"https://x.com/denicmarko/status/2099464501410041890?ref_src=twsrc%5Etfw\">September 14, 2026</a></blockquote>",
        "original_text": "When  @joncphillips  and I started Active Builders, we needed two things: an easy payment processor and automatic revenue split. @creem_io  handled both out of the box. Plus, now that we're planning to launch our affiliate program, they support that natively too. That’s why…  pic.twitter.com/Tdl65Ithhv ",
        "type": "individual_experience",
        "verified_at": "2026-10-18"
      }
    ],
    "assessment": {
      "score": null,
      "status": "not_rated"
    },
    "availability": [
      {
        "country_code": "US",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "GB",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "CA",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "AU",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "IN",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "BR",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "MY",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "PK",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "QA",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "SG",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "TH",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "TR",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "KR",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "ZA",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "CL",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "CN",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "AR",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "BD",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "CO",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "EC",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "KZ",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "IL",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "NG",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "PE",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "PH",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "SA",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "UA",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "UY",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "VN",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "AE",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "DE",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "FR",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "NL",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "EE",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "IE",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "PL",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "ES",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "PT",
        "status": "conditional",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "JP",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "MX",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "GE",
        "status": "unknown",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "RU",
        "status": "unsupported",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      },
      {
        "country_code": "BY",
        "status": "unsupported",
        "scope": "Creem separates seller/payout coverage from buyer restrictions. Its country page contains inconsistent headline totals. Check the actual country and business/personal transfer requirements, not the marketing count.",
        "source_ids": [
          "creem-country"
        ],
        "provider_source_ids": [
          "creem-pricing",
          "creem-country",
          "creem-payout",
          "creem-terms",
          "creem-refunds",
          "creem-compatibility-0",
          "creem-compatibility-1"
        ],
        "evidence_scope": "Provider documentation; not an individual onboarding decision."
      }
    ]
  }
}
