Understanding fees
Insy's platform commission, VAT on that commission, payment-provider costs and the amounts shown in transaction details.
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
Insy collects its commission through Stripe as an application fee. VAT on the commission depends on the merchant’s billing details and applicable treatment. When 23% VAT applies, an 8% base commission becomes 9.84% of the sale.
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.
VAT included in the platform fee is separate from sales tax on your buyer’s purchase. Complete your country and business details before selling: do not assume the Polish example applies to every merchant. The transaction breakdown shows the fee and its included VAT separately.
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, including VAT where applicable.
- The payment provider’s processing fee comes off your share.
- What’s left is credited to your balance.
Use the recorded settlement for the amount credited by Stripe. Its currency may differ from the purchase currency, and an affiliate commission can be shown separately in its own currency.
A worked example
For a 100 PLN card sale with an 8% base commission and 23% VAT on that commission:
| 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
Reading the recorded fee
The Insy platform fee in transaction details uses the application fee reported by Stripe. Until those details arrive, Insy can show an estimate using the rate saved with the payment. VAT included in platform fee is already inside that fee, not an extra charge.
Settlement fees are the total fees reported on Stripe’s balance transaction. Do not add the separately displayed Insy application fee to that total again.
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.