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InFlow charges a fee on each completed payment. You pay no InFlow fee for a failed payment or a declined card.

Fees

The InFlow fee has no minimum amount. InFlow fees are not refundable. When InFlow is your x402 facilitator, the facilitator fee is 0. For the minimum payment amounts, see Minimum amounts.

Stablecoin payments

InFlow adds each payment to your InFlow balance, in the currency that the buyer paid. InFlow subtracts its fee first. The transaction record shows the amount and the fee.

Withdraw your balance

You can withdraw at any time after the payment settles on the blockchain. A withdrawal has no minimum amount and no waiting period. You withdraw on the blockchain that you accept payments on.

Change stablecoins into fiat currency

InFlow does not change stablecoins into fiat currency. Use an exchange or an off-ramp provider. The fees of that provider apply.

Card payments

Card payments need your own Stripe account. InFlow does not give you a Stripe account. Connect your Stripe account in the InFlow dashboard. Each card payment goes to your connected Stripe account. Stripe takes the InFlow fee and your Stripe fee from the same charge. Stripe pays out the funds on your usual Stripe schedule.

Holds and freezes

InFlow keeps no reserve and no holding period on your funds. InFlow can freeze an account or a transaction that appears suspicious, for example under anti-money-laundering or sanctions rules. Section 5 of the Terms of Service gives the rules.

Example: a USD 10 payment

Next steps

Refunds and disputes

Refund a payment, and reply to a card chargeback.

Business FAQ

Read about tax, the merchant of record, and liability.
Last modified on November 13, 2026