Yes, you’re on point. n8n’s standard Sustainable Use License allows free self-hosting only for internal, non-commercial use. n8n Pricing
If you try to embed n8n into a product or host workflows for paying customers (i.e. offer it as a service), you may need their “Embed” or “Enterprise / commercial” license. n8n Community pricing
Multiple community sources mention that this Embed / commercial license starts around $50,000/year.