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.
Cards & gift cards
The same $2.50 + 3% fee applies to prepaid cards and gift cards — you pay the card's face value plus the fee, with no buffer (there's nothing to estimate).
Say you load a $50 prepaid card:
textCard value $50.00Service fee $4.00 ($2.50 + 3% of $50 = $2.50 + $1.50)─────────────────────────────You pay $54.00 (in USDC)
So a $50 card is $50 + $2.50 + $1.50 = $54. A $50 gift card works out the same way.
Prepaid cards today are US cards — they issue instantly and the ghost always shows the full cost before you confirm. See Prepaid cards.
Swapping & cashing out
Moving your own funds around — swapping a token into spendable USDC, sweeping stray deposits, or cashing out to an address you control — carries no SpendGhost fee. You only cover the network and swap costs the move actually incurs.
A private swap (mixing your funds into a fresh, unlinked wallet) is a different move and does carry the $2.50 + 3% fee, since the ghost is doing real work to break the on‑chain trail — the ghost always shows the fee before you confirm.
What's free
- Setting up — no sign‑up fee.
- Funding your wallet — SpendGhost takes no deposit fee. Send USDC to your address and the only cost is the network fee to send it from your own wallet; gas to spend from your balance is covered for you. See How funding works.
- Checking your balance and seeing what you hold across chains — including the live "did it land?" check.
- Order tracking, notifications, refunds, your dashboard, and data wipe.
- Earning points, referrals, and connecting your X account.
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.