Wallet Fees

Flo charges in two places:

When	What you pay	Where you feel it
Each paid sale	Checkout fee (Flo plan % + flat + card processing recovery)	Taken when the fan pays — your Wallet sale line shows net after this
Each bank transfer	Payout fee (0.25% + flat; higher for instant)	Taken when Flo sends money to your bank or debit card

Your Flo subscription (Free, Creator, Pro, Studio) controls the checkout percentage. It does not remove the per-sale flat fee or the payout fee when money leaves Flo.

Flo plan ≠ Flo Payments

Flo Payments is your earnings account for getting paid. You can use Flo Payments on the Free plan — checkout fees still apply. See Flo Payments.

Checkout fees (every paid sale)

When a fan completes a paid checkout, Flo collects one bundled checkout fee from that charge. You do not get a separate bill for standard card processing on each sale — those costs are built into the same fee math.

Flo plan sets the percentage

Flo plan	Flo fee % on each sale	Flat fee per sale (USD example)
Free	5%	$0.50
Creator	3%	$0.50
Pro	2%	$0.50
Studio	1%	$0.50

Upgrading Flo lowers the percentage on every new sale. The $0.50-style flat is the same on all plans (exact amount varies slightly by currency — see below).

What is inside each checkout fee

On every paid charge, the total fee includes:

Piece	Typical amount (USD)	Plain meaning
Flo plan %	5% / 3% / 2% / 1%	Your subscription tier rate
Flo flat	$0.50	Same on all tiers; varies by currency
Card processing %	2.9%	Recovered in checkout math — not a separate invoice
Card processing flat	~$0.30	Recovered in checkout math; varies by currency

Flo rounds fee pieces up on each slice so small rounding never leaves Flo under-collecting on a paid charge.

Paid sales always include fees

Even on Studio, every paid sale includes the flat fee and processing recovery. $0 checkouts (free products, free bookings, etc.) collect no checkout fee.

Flat fees in other currencies (checkout)

Flo uses your settlement / display currency from Flo Payments setup. Examples of the Flo flat per sale (same tier rules apply):

Currency	Flo flat per sale (approx.)	Card processing flat (approx.)
USD / CAD	$0.50	$0.30
GBP	£0.40	£0.20
EUR	€0.45	€0.25
AUD / NZD	$0.75	$0.30
SGD	$0.70	$0.50
HKD	HK$3.90	HK$2.35
JPY	¥55	¥30
SEK / NOK	5.00	1.80–2.00
DKK	3.50	1.80
CHF	CHF 0.50	CHF 0.30

If your currency is not listed, Flo falls back to USD-style amounts.

Net vs gross pricing (what fans pay vs what you keep)

When you set a price in the product, course, or membership editor, you choose net or gross mode. Total checkout fees are the same — only the starting point differs.

Mode	You enter	Fan pays	You receive
Net	What you want after fees	Flo raises the sticker price automatically	Your target amount (before pending / payout timing)
Gross	The price on the checkout button	That amount	Sale minus full checkout fee

The editor shows a pricing preview with the breakdown for your plan and currency. Full walkthrough: Flo Payments.

Example: $100 sale on Creator (gross)

Fan pays $100.00 (USD). Approximate checkout fee:

Line	Amount
Flo 3%	$3.00
Flo flat	$0.50
Processing ~2.9%	~$2.90
Processing flat	~$0.30
Total fee (approx.)	~$6.70
You receive (approx.)	~$93.30

Example: $100 net on Creator

You enter $100 net. Flo calculates a higher fan total (often about $107–$110 in USD). After fees, about $100 credits to your balance.

Subscriptions and payment plans

Creator plan required

On Creator+, products can use subscription or payment plan pricing. Memberships bill on a recurring schedule.

Topic	How fees work
Each renewal	Same Flo % for your plan, plus flat + processing recovery on that invoice
Net vs gross	Same rules as one-time products when you configured net/gross pricing
Wallet	Each successful charge appears in Recent activity as net after checkout fees

Payout fees (each transfer to your bank)

Checkout fees apply when fans pay you. Payout fees apply when you move cleared money from Flo to your bank (or eligible debit card for instant).

They are separate — paying checkout fees on sales does not remove payout fees on withdrawals.

Standard payout (scheduled or Pay out now)

Component	Amount
Percentage	0.25% of the payout amount (rounded up to the nearest cent)
Flat	Per currency (see table below)
Minimum	$0.01 (or equivalent) when payout amount is greater than zero

Example (USD): You have $500.00 available for a standard payout:

Line	Amount
Available balance	$500.00
Payout fee (0.25% + $0.50)	$1.75
Sent to your bank	$498.25

Fee is calculated on your available / payable balance at the moment Flo initiates the transfer. See Payout schedule.

Instant payout (debit card, ~30 minutes)

Adds an extra 1% of the payout amount (rounded up) on top of the standard 0.25% + flat:

Component	Instant payout (USD example)
Instant surcharge	1% of payout amount
Standard slice	0.25% + $0.50 flat

Wallet → Earnings may show copy like: Payout fee: $X (1% + 0.25% + $0.50) before you confirm.

Instant payout requires a paid Flo plan, 90 days on your earnings account, and an eligible Visa or Mastercard debit card — Payout schedule.

Payout flat fee by currency

Currency	Flat per payout (approx.)
USD / CAD	$0.50
GBP	£0.40
EUR	€0.45
AUD / NZD	$0.75
SGD	$0.70
HKD	HK$3.90
JPY	¥50
SEK / NOK	5.00
DKK	3.50
CHF	CHF 0.50

Unknown currencies use the USD-style flat.

When payout fee blocks a transfer

If your payable balance is too small to cover the payout fee, Flo will not send the transfer (you may see a message that balance is too low to cover the fee). This can happen on very small available balances even if you are above the minimum payout threshold.

Where fees show in Wallet

Place	What you see
Overview → Recent activity	+amount per sale — net after checkout fees (not the fan’s full checkout total)
Overview → All-time earnings	Lifetime net Flo has recorded
Earnings → Pay out / Instant	Estimated payout fee before you confirm (when balance is available)
Earnings after success	Payout initiated (fee: $X) or Instant payout initiated (fee: $X)
Payouts tab	Each transfer amount is what was sent to your bank after the payout fee
Payouts → Your payout plan	Schedule and minimum — not per-sale fee detail

Fan receipts (when linked from a sale row) show what the buyer paid at checkout. Your Wallet line shows what credited to you after fees.

Dispute and chargeback fees

If a buyer disputes a card charge (chargeback), Flo may:

Event	Effect on your balance
Dispute opened	Hold the disputed sale amount plus a $15.00 dispute fee (USD; debited from your Flo Payments balance)
You win	Disputed amount and $15 returned to your balance
You lose	Disputed amount stays debited; $15 is not refunded
Not enough balance	Shortfall may become a negative balance until recovered from future sales or payouts

Dispute fees are separate from checkout and payout fees. Respond to disputes promptly from Wallet → Overview → Disputes when shown.

Refunds

When you or Flo refunds a sale (for example a cancelled booking), the fan gets their money back and your earnings adjust. Refund handling does not give you a second payout fee on that refund — payout fees apply only when money leaves Flo to your bank.

How to pay less in fees

Action	Effect
Upgrade Flo plan	Lower checkout % (5% → 3% → 2% → 1%)
Use net pricing	Guarantees your target take-home per sale (fan pays more at checkout)
Avoid unnecessary instant payouts	Save the extra 1% when standard timing is fine
Reduce chargebacks	Avoid the $15 dispute fee and held funds

Flo’s monthly subscription is separate from per-sale and per-payout fees — see Flo’s Plans page in the app for subscription pricing.

Troubleshooting

Question	Answer
Why is my sale line less than the product price?	Wallet shows net after checkout fees, not the fan’s gross checkout
Why did my payout arrive for less than Available?	Payout fee deducted; or booking holds reduced payable amount — Booking holds
Why can’t I pay out $5?	Payout fee may exceed tiny balances; you also need the minimum payout
Do I pay checkout fee twice?	Once per successful charge (including subscription renewals)
Do I pay payout fee every Friday?	Once per transfer Flo initiates — if nothing is sent (below minimum), no payout fee that day
Are fees different in EUR vs USD?	Percentages are the same; flat amounts use your currency table

Guide	Topic
Flo Payments	Net/gross pricing, setup, balances
Wallet balances	Pending vs Available after fees
Payout schedule	When payout fees are charged
Connect bank	Where money is sent
Wallet overview	Recent sales and disputes
Wallet transactions	Sales feed and payout history
Flo Payments setup	Display currency and account

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