If the payment you are trying to receive exceeds your current receive capacity, or it's below the minimum threshold of 10,000 sats, you will incur into channel funding fees:
- On-the-fly channel creation (receive via lightning invoice): 0.4% of the amount received, with a 10,000 sats minimum fee. This covers the cost of opening a channel. The amount received must be at least 10,000 sats.
- Swap-in (receive via onchain address): 0.4% of the amount received, with a 10,000 sats minimum fee. This covers the cost of opening a channel. The amount received must be at least 10 000 sats.
Once your receive capacity is replenished, no fees will be applied for incoming transactions. Spending from your instant account, and funding new channels increases your receive capacity.