Pricing
One simple service fee, explained — with a worked example.
SpendGhost makes money one way: a small service fee on each order. No subscription, no markup games, no monthly minimum.
The fee
$2.50 + 3% per order.
You always see the full breakdown — item, buffer, and fee — before you confirm. Nothing is charged until you say yes.
What you actually pay
When you order, the ghost authorizes a total made of three parts:
| Part | What it is |
|---|---|
| Item subtotal | The product price × quantity. |
| Tax & shipping buffer | A small ceiling so the order never fails because tax or shipping pushed it a little over. |
| Service fee | $2.50 + 3%. |
The buffer is a ceiling, not a charge. If the real tax + shipping comes in lower (it usually does), the unused buffer is refunded to your wallet automatically after the order settles. You only ever pay for what the order actually cost, plus the fee.
A worked example
Say you order a desk organizer that costs about $30:
textItem ~$30.00Service fee ~$3.50 ($2.50 + 3%)+ a small tax/shipping buffer (refunded if unused)─────────────────────────────You authorize ~$33.50 (in USDC), plus the buffer
After the order settles, anything left over from the buffer comes straight back to your balance — so your real cost lands right around the item price plus the fee.
What's free
- Setting up — no sign‑up fee.
- Funding your wallet — deposits are free (network gas is covered for you; see How funding works).
- Order tracking, notifications, refunds, your dashboard, and data wipe.
- Earning and redeeming points.
Refunds
If an order can't be completed, or you cancel it before it's fulfilled, you're refunded in full automatically. See Refunds & returns.