Pakistani Developers Can Use Creem.io to Accept Payments, With Key Limits

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Creem.io, a Merchant of Record platform built by Estonian firm Armitage Labs OU, lists Pakistan as a supported merchant country, offering an alternative for Pakistani developers blocked from using Stripe. The platform handles tax, invoicing, and chargebacks on the seller's behalf, and supports products like SaaS subscriptions, templates, and digital goods. However, payouts to Pakistan are routed through Wise, which only supports transfers to personal bank accounts in PKR, meaning registered businesses cannot receive funds directly into company accounts without first confirming eligibility with Creem support. Solo founders and freelancers onboarding as individuals with personal accounts whose names match their identity verification are most likely to receive payouts without issues. As a fallback, Creem also offers payouts in USDC on the Polygon network for a 2% fee, though users would need to convert cryptocurrency to local currency independently.

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