3.5% + $0.15.
Only when you sell.
No setup fee, no monthly fee, no integration fee. Your buyers pay exactly the price you set, the fee comes out of the sale, and fraud screening, hosted checkout and free scheduled payouts are included. The sandbox is free.
Money is complicated. Pricing shouldn’t be.
Every fee, in full
One published price list, the same for every title and platform. Nothing hidden, nothing negotiated.
Card payments on Open
3.5% + $0.15 per card payment, taken out of the sale and never added to your buyer’s price. You keep $96.35 of every $100. Covers coin purchases, item, content and merch sales by card, and every subscription charge. You are the seller and handle your own tax.
Card payments on Merchant of Record
5% + $0.15 per card payment. You keep $94.85 of every $100, and Invo is the seller: it calculates, collects and remits sales tax and VAT, issues receipts, and covers fraud chargebacks. Available on approval.
Cards issued outside the US
An extra 1.5% of the price, on either tier. Cards from anywhere are accepted. On a $100 Open sale paid with a non-US card, the fee is $5.15 and you keep $94.85.
Subscriptions
The same card fee as any card payment: 3.5% + $0.15 on Open. There is no separate billing fee for the recurring engine, trials, retries or renewal reminders.
Items bought with coins
5% of each item purchase paid with coins inside your title. You keep 95%.
Platform sales from a stored balance
3.5% when a buyer pays for an item, content or merch on your platform from their stored coin balance instead of a card.
Transfers
10% in total when a customer moves value between titles or platforms: 3.5% to the sending side, 3.5% to the receiving side, 3% to Invo. You earn 3.5% of every transfer into or out of your title or platform.
Payouts
Scheduled payouts are free, twice a month on the 1st and 16th, from a $10 minimum, to your verified US bank account. On-demand payouts cost 1%, capped at $500 per payout.
Disputes
The card network’s dispute fee is passed on at cost, with no Invo markup, and credited back if you win. On Open you own chargebacks; on Merchant of Record Invo absorbs fraud chargebacks. On every tier, money from a disputed sale is held while the dispute is open.
Card limits
The minimum card purchase is $2.99 (from October 27, 2026) and the maximum is $100,000 per card charge. All charges and payouts are in USD.
Cheaper where most sales happen
Most in-app and digital purchases are small, and that is where Invo Open costs less than the typical published processor rate of 2.9% + $0.30.
| Card sale | Invo Open 3.5% + $0.15 |
Typical processor 2.9% + $0.30 |
You save per 10,000 sales |
|---|---|---|---|
| $2.99 | $0.25 | $0.39 | $1,321 |
| $4.99 | $0.32 | $0.44 | $1,201 |
| $9.99 | $0.50 | $0.59 | $901 |
| $19.99 | $0.85 | $0.88 | $301 |
Fees per sale are rounded to the cent; savings use the exact fees. Then count what other processors charge extra for, and what Invo includes.
What others charge extra for:
Recurring billing engine. Typically about 0.5% to 0.8% extra elsewhere. Included in the card fee here.
Tax calculation and remittance on Merchant of Record. Typically about 0.5% extra elsewhere, plus filing services.
Fraud screening on every card charge. Often a per-charge fee elsewhere. No extra fee here.
Hosted checkout with your logo, cards, Apple Pay and Google Pay, and 3-D Secure built in.
Free scheduled payouts twice a month, from $10.
The cross-platform transfer network, where you earn 3.5% on value moving in and out.
Open or Merchant of Record?
Open
The default. 3.5% + $0.15 per card payment. You are the seller and handle your own tax and chargebacks.
Merchant of Record
5% + $0.15 per card payment. Invo is the seller: sales tax and VAT, receipts and fraud chargebacks are handled for you. A rolling reserve applies to card-sale earnings. On approval.
The same on both
One API, the same webhooks. Start on Open, apply for Merchant of Record from the console.
Start selling today
Open an account, build in the free sandbox, and go live when you are ready. You pay nothing until you make a sale.
Fees shown are the standard published rates. Custom and volume pricing is available on request. Card fees are paid by the merchant out of the sale and are never added to the buyer’s price. Card fees are not returned when a payment is refunded. All charges and payouts are in USD. Identity verification happens only when you cash out. Merchant of Record is available on approval; its rolling reserve is set out in the Payout & Reserve Policy. Typical processor figures use a commonly published card rate of 2.9% + $0.30 and are for comparison only. Full terms are in the Developer Terms of Service.