Understanding fees
What Insy keeps on each sale — the platform commission, how it differs between card and crypto, the VAT added on card sales, and which costs are passed through to you.
When you make a sale, Insy takes a commission and passes the rest to your balance. Here’s exactly what comes off the top.
The platform commission
Insy’s standard commission is 8% of the sale — the default on both card and crypto. How it’s charged differs by rail:
Card sales
The 8% commission has Polish VAT (currently 23%) added, because the commission is a taxed service. That works out to 9.84% of the sale deducted in total (the 8% fee plus 1.84% VAT on that fee).
Crypto sales
The standard commission is 8%. Crypto fees are handled through a separate billing arrangement rather than shown like card — getting paid in crypto is covered in the payouts section.
The 23% isn’t a tax on your buyer’s purchase — it’s Polish VAT applied to Insy’s commission itself.
Payment-provider costs are passed through to you
The commission is Insy’s own cut. Separately, the payment provider that processes the sale — Stripe for cards, the crypto processor for crypto — charges its own fee, and that fee is carried by the sale that caused it: it comes out of your side, not Insy’s.
So a sale splits like this:
- Insy takes its commission (8%, or 9.84% with VAT on card).
- The payment provider’s processing fee comes off your share.
- What’s left is credited to your balance.
The three always reconcile to the full sale amount, and any rounding remainder falls in your favour, never against you.
A worked example
For a 100 PLN card sale, at the standard rates:
| Line | Amount |
|---|---|
| Sale | 100.00 PLN |
| Insy commission (8% + 23% VAT = 9.84%) | −9.84 PLN |
| Stripe’s own processing fee | passed to you |
| Your balance | the remainder |
Stripe’s fee depends on the card, so it’s shown as “passed to you” rather than a fixed figure — it’s set by the payment provider, not Insy.
Who sets the rate
What isn’t a fee
- Creating an account, profile, community or product costs nothing. You’re only charged as a share of a sale that actually happened.
- The commission is on sales, not on your balance. Holding a balance doesn’t cost you over time.