> ## Documentation Index
> Fetch the complete documentation index at: https://ifdocdemo.lumivescence.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Fees and payouts

> InFlow charges 1% on each completed payment. Stablecoin payments go to your InFlow balance. Card payments go to your Stripe account.

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

## Fees

| | Stablecoin payment | Card payment |
| - | - | - |
| InFlow fee | 1% of the payment | 1% of the payment |
| Stripe fee | None | The fee from your Stripe pricing |
| Withdrawal fee | None. InFlow pays the network fee. | Stripe pays out the funds under your Stripe terms. |

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](https://ifdocdemo.lumivescence.com/concepts/payments.md#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](https://www.inflowpay.ai/terms) gives the rules.

## Example: a USD 10 payment

| Payment | InFlow fee | You get |
| - | - | - |
| 10 USDC | 0.10 USDC | 9.90 USDC in your InFlow balance |
| USD 10 by card | USD 0.10 | USD 10, less the InFlow fee and your Stripe fee, in your Stripe account |

## Next steps

> [card] [Refunds and disputes](https://ifdocdemo.lumivescence.com/sellers/refunds-and-disputes.md)
>
> Refund a payment, and reply to a card chargeback.

> [card] [Business FAQ](https://ifdocdemo.lumivescence.com/sellers/business-faq.md)
>
> Read about tax, the merchant of record, and liability.


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