Deposit Fees and Your Plan
Every top-up carries a platform fee. Two things about it are worth understanding before you add money, because together they decide what a deposit actually costs you:
- The fee is added on top of the amount you choose. You are always credited the full amount you typed.
- The percentage is set by the plan you hold. Free pays the most, the top two rungs pay the least, and upgrading lowers it for every deposit you make afterwards.
Fees are added on top, never taken out
Top-up pricing on Onflow Ads is additive. The number you type into the Amount field is the amount that reaches your wallet, in full. The fee is stacked on top of it, and the checkout collects the sum of the two.
That is the opposite of how many platforms work. There is no version of a top-up here where you ask for 100 and receive 92.
A worked example
Say you are on the Plus plan and you top up $100 in crypto, at the current Plus rate of 6%:
| Line on the page | Amount |
|---|---|
| Adding to wallet | $100.00 |
| Platform fee (6%) | $6.00 |
| Total to pay | $106.00 |
| You will receive | $100.00 |
You are charged $106.00. Your balance goes up by $100.00. Nothing is skimmed off the deposit, and nothing extra is added at the checkout — the Total to pay line is exactly what the payment provider collects.
The same example on Free, at the current Free rate of 9%, would be a $9.00 fee and a $109.00 total, still crediting $100.00.
The per-top-up minimum and maximum bound the amount credited — the number you type. Because the fee is added on top, the total you pay for a maximum-sized top-up lands above the maximum. That is correct and expected: a ₹25,000 top-up on Free is billed ₹27,250.
The two fees on a top-up
| Fee | What it is | How it is worked out |
|---|---|---|
| Platform fee | The Onflow Ads commission on the deposit. | A percentage of the amount you are adding, set by your plan, subject to a per-method minimum. |
| Payment processing fee | A pass-through charge from the payment processor, when one applies. | A percentage of the deposit plus the platform fee. It is currently zero for both methods, so the row is hidden and nobody is charged it today. |
Both are shown as their own line in the breakdown before you pay, and both appear on your PDF invoice. See Invoices and Receipts.
The minimum fee
Each payment method carries a floor under the platform fee:
- Cryptocurrency: $2.00 minimum
- UPI / Card: ₹200.00 minimum
On a small top-up the floor can bind. A $20 deposit on Free would be 9% of $20, or $1.80 — below the $2.00 floor, so the fee charged is $2.00 and the effective rate works out at 10%.
Your PDF invoice names the effective percentage on the commission row, and when the minimum fee has pushed it above your plan's own rate, it prints a sub-line underneath reading "9% on your plan, subject to a minimum fee".
The HTML receipt in the email body shows the effective percentage alone, with no sub-line. Both figures are honest; the PDF is the one that shows you both numbers side by side.
The plan fee ladder
The deposit fee percentage comes from the plan on your account. These are the current rates, and the rate that applies to you is shown on the payment page every time you top up:
| Plan | Deposit fee |
|---|---|
| Free | 9% |
| Lite | 7.5% |
| Plus | 6% |
| Elite | 5% |
| Master | 4% |
| Ultimate | 4% |
The ladder above is the current configuration, not a fixed contractual schedule. Onflow Ads can adjust any rung. Whatever the rates are on the day you pay, the percentage that applies to you is shown in the breakdown before you confirm, and printed on your invoice afterwards. Treat those two as the authority, not this table.
How your plan is read
- Your rate follows the plan your account holds right now, resolved the same way every other paid feature reads it. Nothing is cached for pricing.
- An expired membership reads as Free, so the Free rate applies again once a term ends.
- Referral Premium (🌟) is an earned status rather than a rung on the ladder. It pays the Free rate on deposits.
- If your plan cannot be read for any reason, the rate resolves to Free — the highest. A failure can only ever over-quote you, never under-charge and then surprise you.
- If you are signed out, the page previews the Free rate. It never previews a discount your account has not got, so the figure can only move down once you sign in.
What upgrading actually saves
Because the fee is a straight percentage of what you deposit, the saving scales with how much you fund:
| You deposit, per month | Fee on Free (9%) | Fee on Plus (6%) | Difference |
|---|---|---|---|
| $500 | $45.00 | $30.00 | $15.00 |
| $2,000 | $180.00 | $120.00 | $60.00 |
| $5,000 | $450.00 | $300.00 | $150.00 |
Upgrading takes effect immediately, so the very next top-up after an upgrade is priced at the new rung. The full side-by-side comparison is at onflowads.com/pricing and in Comparing the Tiers.
The ladder is not only about rates
Deposit fees are one of several money rates a plan moves — the withdrawal fee and the monthly withdrawal allowance sit on the same ladder. But four of the things a plan buys are not rates at all, and they are a large part of whether an upgrade is worth it:
| What it decides | How it moves up the ladder |
|---|---|
| Inline buttons under a post | Free 0 · Lite 1 · Plus 2 · Elite 3 · Master 4 · Ultimate 4 |
| A colour on those buttons | From Plus — blue, green or red, or no colour at all |
| Links to a private Telegram destination | From Lite. Public Telegram links work on every rung, including Free |
| Whether we append our own line to ads in your channel | From Plus, the advertisement via onflowads.com line is omitted |
The last row is the one that matters most to a channel owner, and it reads differently from everything else on this page: it is resolved from the plan held by the owner of the channel the ad is posted into, never from the plan held by the advertiser who wrote and paid for the ad. On a Paid-Promotions placement that means a Free advertiser booking into your Plus channel gets a clean post, while a Plus advertiser booking into a Free channel does not — and because the plan is read at the moment of publishing, a membership that lapses between the booking and the post brings the line back on that placement.
Referral Premium (🌟) tracks Free on all four: no buttons, no colours, no private links, and the line still applies. It is an earned status, and an earned status never satisfies a paid gate.
The full rulebook is Post Buttons & Links.
Where you see your rate
- On the payment page. The hint under the Amount field states your percentage and the method's minimum fee, and the live breakdown names it again on the Platform fee row.
- In the plan note. When you are not on the cheapest rung, a line under the breakdown reads "Your Free plan pays 9% on every deposit — Master pays 4%.", with a Compare plans link.
- On your invoice. The commission row carries the effective percentage; the PDF names your plan rate beneath it when the minimum fee has bound.
Your rate is locked when you start the payment
The percentage is frozen onto your order the moment the payment is created, and the server prices the charge from that frozen figure rather than from live configuration. A rate change, a plan purchase, or a membership expiring while you are on the checkout cannot reprice a payment already in flight.
If you leave the page open long enough to go out of date, starting a payment returns "Please refresh the page and try again." rather than quoting you one total and charging another.
If something goes wrong
| What you see | What it means | What to do |
|---|---|---|
| The invoice shows a percentage above your plan's rate | The per-method minimum fee bound on a small top-up. | Nothing is wrong — the PDF names your plan rate on the sub-line. Deposit more per top-up to avoid it. |
| The breakdown quotes 9% and you hold a paid plan | Your session was not read, or your plan has expired. | Reload the wallet page while signed in. Check your plan under Plans on your Account page. |
| "Please refresh the page and try again." | The page had gone stale, so it was refused rather than repriced. | Refresh and start the top-up again. |
| Your bank collected more than Total to pay | This should never happen; the quoted total is the entire charge. | Send your invoice number and the statement line to [email protected]. |
FAQ
Is the fee taken out of what I receive? No. You are credited the full amount you typed. The fee is added on top of what you pay.
Why is my effective fee higher than my plan rate? The per-method minimum fee has bound — see The minimum fee above. It only happens on small top-ups.
I just upgraded. Do I need to do anything for the new rate? No. Reload the wallet page and the new percentage is already in the breakdown.
Does a bigger deposit get a lower percentage? The percentage itself is set by your plan, not by the size of the deposit. Larger deposits are rewarded through Deposit Bonuses instead, and through the lifetime-funding discount on Paid Promotions.
Do both payment methods charge the same percentage? Yes. Your plan rate applies to both methods; only the minimum fee differs, because each method bills in its own currency.
Will my bank statement match the total shown? Yes, to the cent. The Total paid on your invoice is the figure your bank, card or crypto statement should show.
Related
- Adding Funds — the flow this fee is quoted in.
- Deposit Bonuses — the extra credit larger deposits can earn on top of everything here.
- Comparing the Tiers — every rate a plan changes, side by side.
- Invoices and Receipts — where the effective percentage is printed.