On this page
- You need a Solana wallet that can sign a transaction, USDC for the price and a little SOL. One signature starts the plan and sets its cap.
- A 9.00 USDC monthly plan on Fianto costs 9.01 USDC a charge today, plus about 0.00263 SOL of rent on a first subscription as of 15 October 2026, of which about 0.00144 SOL comes back.
- You cancel at fianto.xyz/my with one signature. There is no chargeback: refunds are the merchant sending USDC back.
What do you need before paying a subscription with crypto?
To pay a subscription with crypto on Fianto you need a Solana wallet that can sign a transaction without sending it, USDC in that wallet, and a little SOL for fees and rent. The checkout works with wallets that follow the Wallet Standard. Its wallet list names Phantom, Solflare, Jupiter, MetaMask, OKX Wallet, Backpack, Trust Wallet, Bitget Wallet and SafePal. A wallet that can only sign and send in one step is refused, because Fianto sends the transaction itself.
The USDC account must already exist in the wallet: Fianto never creates one for you. Everything the wallet needs, item by item, is in what your wallet needs for a USDC subscription.
What does a crypto subscription cost the customer?
A crypto subscription costs the customer the price, a small network fee per charge in USDC, and some SOL at the start. Take a 9.00 USDC monthly plan from the Fenwhistle Gazette, the wallet's first subscription, during Fianto's beta:
| When | You pay | Comes back? |
|---|---|---|
| At checkout, in USDC | 9.00 price + 0.00 Fianto fee + 0.01 network fee = 9.01 USDC | No, it pays the first 30 days |
| At checkout, Solana fee in SOL | Under $0.01 | No |
| At checkout, rent for the subscription account | About 0.00144 SOL as of 15 October 2026 | Yes, when you reclaim it after the subscription ends |
| At checkout, rent for the wallet setup account | About 0.00119 SOL as of 15 October 2026, first subscription only | No |
| Every 30 days after that | 9.01 USDC, taken automatically | No |
| Twelve charges in all | 108.12 USDC | - |
The 0.01 USDC is a flat network fee on every charge today, on plans created since 6 October 2026. The SOL fee is small because Solana's fee docs set the base fee at 5,000 lamports per signature, a lamport being a billionth of a SOL. Rent is falling too: under SIMD-0437, Solana is cutting it in steps, with the last three expected in November 2026, so the checkout always shows the exact live amount before you sign. You pay no SOL on renewals: Fianto signs those and pays their fee. After the beta, a Fianto fee of about 0.1 to 0.5% is added on top of the price, between 0.009 and 0.045 USDC on this plan. Everything here is listed on the docs page on what paying costs.
How is paying a subscription with crypto different from a card?
Paying with crypto moves the control from your bank to your wallet: you set the ceiling, you cancel yourself, and nobody can pull the money back after it lands. Side by side, from the customer's chair:
| Card subscription | Crypto subscription on Fianto | |
|---|---|---|
| What you hand over | Your card number, stored by the merchant or its processor | One signature that approves a fixed maximum per period |
| Most a charge can be | Set by the merchant's terms | Fixed on Solana when you sign; the program refuses anything above it |
| When money is short | The card is declined | Nothing is taken; three more tries within a day, then it ends |
| Stopping it | Cancel with the merchant; for bank debits the CFPB also suggests telling your bank | One signature in the portal at fianto.xyz/my |
| Getting money back | Refund, or a chargeback through your bank | A refund only, sent by the merchant from its wallet |
| Reminders and receipts | Depends on the merchant | No renewal emails from Fianto; the portal keeps the payment history |
| Extra costs | Usually none you see | 0.01 USDC per charge today and a little SOL at the start |
The card wins on convenience: no wallet, no USDC, no SOL, and a bank that will fight a charge for you. The crypto plan wins on control: the cap cannot be raised, nobody holds a card number that can leak, and the merchant gets the money straight into its own wallet. How refunds replace chargebacks is covered in chargebacks vs crypto refunds.
What do you see each month after subscribing?
Each month you see a USDC transfer leave your wallet on the charge date and a new line in the payment history in the customer portal, and nothing else: Fianto sends no renewal emails or receipts for subscriptions.
Acme RPC
ProStops future payments. It stays active until the end of its current billing period.
The portal lists every Fianto subscription your wallet pays, across merchants. You sign in by signing a message, which costs nothing and moves no funds, and the session lasts at most a day. Each card shows the price, the Fianto fee and the network fee, the status and the next payment date, and the payment history can be exported as CSV.
One thing may look alarming in your wallet: the USDC approval for the Subscriptions program can appear with no amount limit. That approval is shared by every subscription on the program, and the limit that binds Fianto sits in each subscription's own record on Solana: at most its amount per period, paid only to that merchant and to Fianto's fees. Revoking it cancels nothing; it only makes the next renewals fail.
What if your wallet is empty on the charge date?
If your wallet cannot cover the charge, nothing is taken, the subscription shows Past due, and you have about a day to top up before the last try. Fianto never takes part of an amount and never bills a missed period later. If the failure came from a revoked approval or a closed USDC account, the portal offers a Renew approval button to fix it. The full checklist for a renewal that did not go through is in why a USDC subscription did not renew.
How do you stop a crypto subscription and get your money back?
You stop a crypto subscription by cancelling it yourself in the portal, and you get money back only by asking the merchant for a refund. For automatic payments from a bank account, the Consumer Financial Protection Bureau tells people to call the company "and tell them you are taking away your permission", then to tell their bank too. With a Fianto subscription there is one step: press Cancel subscription and approve the transaction. The subscription stays active until the end of the period you paid for, and the portal cannot undo a cancel.
- Cancel in the portal. Your wallet pays a small Solana fee in SOL for the signature.
- If you want money back for the current period, contact the merchant. A refund is a USDC transfer the merchant sends from its own wallet; Fianto cannot send one for you.
- After the subscription has ended, reclaim the subscription account's rent in the portal once the button appears: about 0.00144 SOL as of 15 October 2026. The wallet setup rent stays.
What the portal shows at each step is on the customer portal page, and the rent rules are in account rent and reclaim.
One approval, a cap that cannot rise, and a cancel that is yours to make.
See how auto renewal worksWho should keep paying subscriptions by card?
Keep paying by card if you do not already hold USDC on Solana, if you want a bank that can reverse a charge, or if you rely on email reminders to track what you pay. Buying USDC and SOL just for one plan adds steps and costs that a card does not have.
A crypto plan suits you if your money already sits in a Solana wallet, if you want a hard ceiling on what a merchant can take, or if the merchant does not take cards from your country. The mechanism behind the ceiling, for anyone curious, is in how crypto recurring payments work.