io.net | The Open Source AI Infrastructure Platform

Quick Answer

io.net accepts credit cards (Visa, Mastercard, Amex), cryptocurrency (USDC, IO token), and wire transfers for enterprise accounts. Most users pay with credit card or USDC stablecoins, with instant account crediting and per-second GPU billing. There are no minimum deposits or monthly minimums - add $10 or $10,000 as needed. Enterprise customers ($5,000+/month spend) can set up NET-30 invoicing and wire transfer payments. The IO token (io.net's native cryptocurrency) can be used for payment with a 5-10% discount, though it's entirely optional - USD and USDC remain the primary payment methods for 95% of users.

Accepted Payment Methods

Credit/Debit Cards (Most Popular)
- Supported cards: Visa, Mastercard, American Express, Discover
- Minimum: $10
- Maximum: $10,000 per transaction (contact support for higher limits)
- Processing fee: None (io.net absorbs Stripe fees)
- Credit time: Instant
- Auto-reload: Optional (reload when balance <$50)
- 3D Secure: Required for some international cards

# Add credits via CLI
io credits add --amount 100 --method card

# Or add via dashboard: cloud.io.net/billing

Cryptocurrency (USDC)
- Supported: USDC on Ethereum, Solana, Polygon
- Minimum: $10 equivalent
- Maximum: Unlimited
- Processing fee: Network gas fees only (typically $1-5 for Ethereum, $0.01-0.10 for Solana)
- Credit time: 6-12 confirmations (~2-5 minutes)
- Wallet: Any Web3 wallet (MetaMask, Phantom, Coinbase Wallet)

# Generate deposit address
io credits add --amount 500 --method usdc --chain solana

# Output: Send USDC to: 7xK9...3mF2 (Solana)
# Credits appear after 25 confirmations (~30 seconds)

IO Token (Native Token)
- Discount: 5-10% on compute costs when paying with IO
- Minimum: 100 IO tokens (~$10-50 depending on market price)
- Processing fee: Solana network fee ($0.01-0.05)
- Credit time: Instant after 25 confirmations
- Availability: Purchase IO on Binance, Coinbase, KuCoin, or swap on Jupiter/Raydium
- Optional: Not required - pay with USD/USDC if preferred

Wire Transfer (Enterprise)
- Minimum: $5,000
- Processing fee: None (io.net absorbs wire fees)
- Credit time: 1-3 business days
- Requirements: Enterprise account with NET-30 invoicing approved
- Use case: Companies with procurement processes requiring wire payment

ACH Transfer (US Enterprise)
- Minimum: $1,000
- Processing fee: None
- Credit time: 2-5 business days
- Requirements: US-based company, enterprise account
- Use case: Recurring monthly credits for predictable spend

Payment Method Comparison

Method	Speed	Fees	Minimum	Best For
Credit Card	Instant	$0	$10	Individual users, startups, one-time payments
USDC (Solana)	30-60 sec	$0.01-0.05	$10	Crypto-native users, international payments
USDC (Ethereum)	2-5 min	$1-5	$10	Large deposits ($1,000+), DeFi integration
IO Token	30-60 sec	$0.01-0.05	$10	Users wanting 5-10% discount
Wire Transfer	1-3 days	$0	$5,000	Enterprise with procurement approval process
ACH	2-5 days	$0	$1,000	US companies with recurring monthly spend

Billing and Usage Model

Pay-As-You-Go (Default)
- Pre-load credits to your account ($10 minimum)
- GPUs deduct credits per second of usage
- No monthly subscription or minimum commitment
- Auto-stop when credits depleted (optional email alert at 10% balance)

Credit Balance Example:

Starting balance:        $100.00
H100 usage (2.5 hours):  -$5.50  ($2.20/hr × 2.5hr)
RTX 4090 usage (8 hrs):  -$1.44  ($0.18/hr × 8hr)
Data egress (50GB):      -$0.00  (first 1TB free)
Remaining balance:       $93.06

Auto-Reload:
Set up automatic credit top-ups to avoid interruptions:

# Auto-reload $100 when balance drops below $20
io billing auto-reload --threshold 20 --amount 100 --method card

Enterprise Invoicing (NET-30):
For companies spending $5,000+/month:
- Monthly invoices instead of prepaid credits
- NET-30 payment terms (use now, pay in 30 days)
- Purchase orders (PO) supported
- Consolidated billing across teams
- Volume discounts (10-20% off)

Contact [email protected] to set up invoicing.

How to Add Credits

Via Web Dashboard:
1. Go to cloud.io.net/billing
2. Click "Add Credits"
3. Enter amount ($10 minimum)
4. Select payment method (card or crypto)
5. Complete payment
6. Credits appear instantly (card) or within 5 minutes (crypto)

Via CLI:

# Credit card
io credits add --amount 250 --method card

# USDC (Solana)
io credits add --amount 500 --method usdc --chain solana

# IO token (5% discount)
io credits add --amount 1000 --method io

# Check balance
io credits balance
# Output: $487.23

Via API (for programmatic top-ups):

import ionet

client = ionet.Client(api_key="your_api_key")

# Add $100 via saved card
client.credits.add(amount=100, method="card")

# Check balance
balance = client.credits.get_balance()
print(f"Current balance: ${balance}")

Pricing Transparency: No Hidden Fees

io.net bills only for actual GPU usage:

What You Pay For:
- ✅ GPU compute time (per second)
- ✅ Persistent storage (per GB/month)
- ✅ Data egress after 1TB (per GB)

What's Included (Free):
- ✅ First 1TB data transfer per month
- ✅ Network bandwidth between GPUs
- ✅ Container image storage
- ✅ Monitoring and dashboards
- ✅ Standard support (email/Discord)
- ✅ SSH access and tunneling
- ✅ API access

No Surprise Charges:
- ❌ No setup fees
- ❌ No monthly platform fees
- ❌ No API request fees
- ❌ No egress fees for first 1TB
- ❌ No minimum monthly spend
- ❌ No early termination fees

Example Monthly Bill:

April 2026 Usage Summary

GPU Compute:
  8x H100 cluster (32.5 hrs)     $572.00
  4x RTX 4090 (124 hrs)          $89.28
  2x A100 (56 hrs)               $133.28

Storage:
  500GB persistent NVMe           $25.00

Data Transfer:
  850GB egress                    $0.00 (under 1TB)

Total:                           $819.56

Payment: Credit card ending 4242
Charged: May 1, 2026

International Payments

io.net supports users in 130+ countries:

Credit Cards:
- Accepted from all countries (except sanctioned: North Korea, Iran, Syria, Cuba, Russia)
- Multi-currency billing (charged in USD, converted by your bank)
- 3D Secure/SCA compliance for EU customers

Cryptocurrency (Best for International):
- No currency conversion fees
- No international wire fees ($25-50 typically)
- Instant settlement vs. 3-7 days for international wires
- No bank intermediaries or SWIFT codes

Example: User in India
- Option 1: Credit card - $100 charge appears as ~₹8,300 on statement (bank sets rate + 2-3% forex fee)
- Option 2: USDC - Buy $100 USDC on local exchange (WazirX, CoinDCX), send to io.net (saves 2-3% forex fee)

Using IO Token for Payments

What is IO Token?
- io.net's native cryptocurrency launched in 2024
- Used for payments (optional), staking, and governance
- Not required - 95% of users pay with USD/USDC

IO Token Benefits:
- 5-10% discount on GPU compute when paying with IO
- Staking rewards (earn ~8-12% APY on staked IO)
- Priority access during high-demand periods (future feature)
- Governance votes on network parameters

How to Pay with IO Token:
1. Purchase IO on exchanges: Binance, Coinbase, KuCoin
2. Send IO to your io.net wallet address
3. Enable "Pay with IO" in billing settings
4. Receive 5-10% discount on all GPU usage

Example Savings:

Month without IO token:
  H100 usage (100 hrs)          $220.00

Month with IO token (10% discount):
  H100 usage (100 hrs)          $198.00
  Savings:                      $22.00

Annual savings (large team):
  $10,000/month × 10% = $1,000/month = $12,000/year

Volatility Protection:
IO token prices fluctuate. io.net auto-converts at time of use, so you're not exposed to price changes during GPU sessions. If you add $100 of IO and the price drops 10% before you use it, you still get $100 of GPU credits (io.net absorbs the volatility).

Enterprise Payment Options

NET-30 Invoicing:
Requirements:
- $5,000+ monthly spend
- Company legal entity (not individual)
- Credit check (soft pull)
- Signed Master Services Agreement (MSA)

Benefits:
- Use GPUs now, pay invoice in 30 days
- Purchase Order (PO) support
- Consolidated billing across teams
- Volume discounts (10-20% off standard pricing)
- Dedicated account manager

Annual Prepayment Discounts:
Prepay for 12 months of usage:
- $50,000 prepaid: 15% bonus credits ($57,500 total)
- $100,000 prepaid: 20% bonus credits ($120,000 total)
- $500,000+ prepaid: Custom terms (contact sales)

Multi-Team Billing:
Enterprise accounts can:
- Create sub-accounts for different teams/projects
- Set spending limits per team ($500/month for Team A, $2,000/month for Team B)
- Consolidated invoice with usage breakdown
- Separate billing for different cost centers

Refunds and Credits

Downtime Credits:
If a GPU fails during your job:
- Automatic pro-rated refund for downtime
- Example: GPU offline for 15 minutes of a 2-hour job = $0.55 refund (H100 at $2.20/hr)

Unused Credits:
- Credits never expire
- Fully refundable if unused (contact support)
- Transfer credits to another io.net account (enterprise only)

Disputed Charges:
If you believe you were incorrectly charged:
1. Contact [email protected] with invoice ID
2. Review usage logs (available in dashboard)
3. Refund issued within 2 business days if error confirmed

No automatic refunds for:
- Accidentally leaving GPU running (your responsibility to stop instances)
- Misconfigured workloads that consume more GPU time than expected
- Market price changes (GPU prices are locked at provision time)

Security and Compliance

PCI-DSS Compliance:
io.net uses Stripe for card processing (PCI Level 1 certified). Card numbers are never stored on io.net servers.

Cryptocurrency Security:
Deposits require 6-25 confirmations (depending on chain) to prevent double-spend attacks. Withdrawals (if you overpay) require 2FA.

Fraud Prevention:
- 3D Secure for international cards
- Velocity limits (max 5 transactions/hour for new accounts)
- IP-based risk scoring
- Manual review for first-time $1,000+ deposits

Can I get a refund if I don't use all my credits?

Yes. Unused credits are fully refundable if you haven't used io.net services. Contact [email protected] with your account email and refund will be processed to your original payment method within 5-7 business days. If you've used some credits, the remaining balance can be refunded minus a $10 processing fee. Credits never expire, so most users keep the balance for future use.

Do you accept PayPal or other payment processors?

Not currently. io.net accepts credit cards (via Stripe), cryptocurrency (USDC, IO token), and wire transfers (enterprise only). PayPal support is planned for Q3 2026. For now, if you prefer not to use credit cards or crypto, consider using a virtual debit card from services like Privacy.com or Revolut to fund your account.

What happens if my credit card expires or fails?

You'll receive an email alert when your balance drops below $20 (or your configured threshold). If auto-reload fails due to expired card, your GPUs will continue running until balance hits $0, then auto-stop. Update your payment method in the billing dashboard before balance depletes. Enterprise accounts with NET-30 terms aren't affected by card failures.

Can I use multiple payment methods on one account?

Yes. You can add credits via credit card one month and USDC the next. Your account maintains a single USD credit balance regardless of payment method. Enterprise accounts can also split payments (e.g., $5,000 via wire, $500 via card for overflow).

Are there volume discounts for large usage?

Yes. Self-service users get bulk credit bonuses: add $10,000+ and receive 5% bonus credits. Enterprise accounts ($5,000+/month) qualify for 10-20% volume discounts plus NET-30 invoicing. Contact [email protected] for custom pricing if you anticipate $50,000+/year spend.

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Last updated: April 2026 | Payment methods and fees subject to change