# Pricing & fees InfraIO Pay is free to start: **no monthly fee, no setup fee**. You pay a platform fee only on payments that settle. The fee rate depends on how much volume you have settled recently, so it drops automatically as you grow. ## Volume tiers The tier is chosen from your **settled volume over the last 30 days**, in USD. | Settled volume (rolling 30 days) | Platform fee | | --- | --- | | Below $50,000 | **0.5%** | | $50,000 – $250,000 | **0.4%** | | $250,000 and above | **0.3%** | > **Note:** > > **The fee is locked when the payment is created.** The rate shown on a > checkout session or payment link is the rate that applies to that payment, > even if you cross a tier boundary before the buyer pays. ## Stackable discounts On top of the volume tier you can reduce the fee further. Discounts stack, but the effective fee never goes below the **0.20% floor**. | Discount | Effect | | --- | --- | | **IFO staking** | −10% / −20% / −30% of the fee when you stake 1,000 / 5,000 / 20,000 IFO. See [IFO utility](https://docs.infraio.xyz/en/token/utility). | | **Pay fees with IFO** | −20% of the fee when the fee is paid in IFO. | | **Prepaid credit** | Fees can be paid from your prepaid credit balance. See [Prepaid credit](https://docs.infraio.xyz/en/concepts/credit). | > **Note:** > > **Coming soon.** IFO staking and paying fees with IFO become available at > the IFO token generation event (TGE). See the [IFO token](https://docs.infraio.xyz/en/token/overview). ## What the fee is not - It is not a custody or withdrawal fee. Funds go directly to your treasury wallet. - The network fee (gas) paid by the buyer is separate from the platform fee. - There is no per-seat, per-API-call or monthly subscription charge. ## Related - [Referral program](https://docs.infraio.xyz/en/concepts/referral) — earn 20% of the platform fees of merchants you refer. - [Chains & assets](https://docs.infraio.xyz/en/concepts/chains) — what you can accept and where.