# Waffo Documentation: English Guides

## Guides

### Products and Services

- [Waffo Product Overview](https://waffo.com/docs/en/essentials/product-overview.md): Building global payment infrastructure. A full-stack solution from acquiring to growth.

### Acquiring & Payments

- [Checkout](https://waffo.com/docs/en/essentials/checkout.md): Waffo's standardized checkout product for managing global payment interaction flows across one-time and subscription payment modes.
- [One-time Payment](https://waffo.com/docs/en/essentials/one-time-payment.md): One integration, global payment methods covered — every transaction clear and in control.
- [Subscription & Recurring](https://waffo.com/docs/en/essentials/subscription-recurring.md): Providing automated, high-success-rate billing solutions for recurring payment scenarios. Through a mechanism of one-time authorization and multiple automated deductions, we support flexible billing cycle configurations and smart retries.
- [Payment Methods](https://waffo.com/docs/en/essentials/payment-methods.md): Connect your business to mainstream global and distinctive local payment methods through a single, unified API interface.

### Settlement & Funds

- [Merchant Settlement](https://waffo.com/docs/en/essentials/merchant-settlement.md): Intelligent and transparent global fund settlement service that automatically converts multi-currency transactions and optimizes merchants' cash flow via flexible settlement strategies.
- [Merchant Portal](https://waffo.com/docs/en/essentials/merchant-portal.md): A one-stop payment management platform for cross-border enterprises. Manage transactions, settlements, analytics, and team access in one place.

### Global Tax / MoR

- [Tax](https://waffo.com/docs/en/essentials/tax.md): Waffo Global Tax is an intelligent tax solution designed specifically for cross-border digital businesses. Whether your customers are in the US, the EU/UK, or the Asia-Pacific region, we automatically identify and handle local tax compliance.

### Value-Added Services

- [Dispute and Chargeback](https://waffo.com/docs/en/essentials/dispute-chargeback.md): A systematic, tiered closed-loop defense system covering three core stages: Chargeback Alert, Customer Dispute, and Chargeback.
- [Data Intelligence](https://waffo.com/docs/en/essentials/data-intelligence.md): End-to-end data intelligence that translates obscure bank codes into actionable growth strategies.

### Advanced Features

- [Tokenization](https://waffo.com/docs/en/essentials/tokenization.md): Securely store payment credentials using Waffo Tokens to enable one-click checkout, recurring billing, and delayed charges without handling raw card numbers.
- [Auth-Capture](https://waffo.com/docs/en/essentials/auth-capture.md): Split payments into two steps — authorize funds upfront and capture them only when the transaction is confirmed, reducing fraud risk and refund costs.

### Point Topup

- [Point Topup](https://waffo.com/docs/en/essentials/point-topup.md): Waffo Point Topup is a point-card top-up API and white-label point-card top-up solution. Suppliers connect their point-code inventory or top-up capability through an API or a single URL redirect, with no storefront or payment work of their own.

### Support FAQ

- [API Credential Scope & Auth Error Triage](https://waffo.com/docs/en/support/api-credential-scope-and-triage-faq.md): Which API key is allowed to call which endpoint, why Withdraw must be a separate credential, the exact order in which Waffo checks your API key, scope, signature and IP, how to read A0001 / A0002 / A0004 / A0046, and how long a credential change takes to apply.
- [API Reference Tables](https://waffo.com/docs/en/support/api-reference-tables.md): The four lookup tables the other Waffo API pages point at: payout payee field requirements by country and payout method, conditionally mandatory fields on order create, the full orderAction.actionData field list for merchants building their own cashier, and the error code table for each API family —…
- [Authentication & Signature FAQ](https://waffo.com/docs/en/support/auth-signature-faq.md): Answers to the most common questions about Waffo API authentication: where to get your API key, how request and response signing works, webhook verification, A0001/A0002 troubleshooting, and RSA key generation.
- [Can Waffo withdraw my balance automatically, and how do I integrate withdrawals?](https://waffo.com/docs/en/support/auto-withdrawal-and-withdrawal-integration-faq.md): The automatic-withdrawal contract end to end — how it is triggered, what the six statuses mean, what happens when your balance is under the threshold, and how to pause or terminate it — plus the withdrawal notification event, how to tell an API withdrawal from a Portal one, exporting the withdrawal…
- [Balances & Account History](https://waffo.com/docs/en/support/balance-and-account-history-faq.md): How to read the three Waffo balances — pending settlement, settlement account and reserve — why your withdrawable amount can be lower than your settlement balance, what Account History records, and how Statement and Invoice PDFs are named.
- [Bank Transfers & Virtual Accounts](https://waffo.com/docs/en/support/bank-transfer-and-virtual-account-faq.md): How virtual-account (VA) and bank-transfer payments behave: how long a VA number is valid and whether it can be reused later, what happens when the user types the wrong amount, and what a fiat overpayment or underpayment does to the order status.
- [Batch Payout Statuses & Funding](https://waffo.com/docs/en/support/batch-payout-faq.md): How to read a batch payout's status and its per-row statuses, why a batch can disappear from the list instead of showing as failed, why only some country templates are offered to you, and where the money for a payout is allowed to come from.
- [Batch Refunds](https://waffo.com/docs/en/support/batch-refund-faq.md): The Portal's Batch Refunds tab: template columns and limits, what upload validation checks and in which order, duplicate-file and one-batch-at-a-time rules, batch statuses, and where per-row failure reasons live.
- [Customizing the Checkout Page (Branding, Colors, Logos)](https://waffo.com/docs/en/support/cashier-customization-faq.md): How to brand the Waffo checkout page: where Customization lives in the Portal, every color and size you can set, which field controls font size at order create, how order parameters override Portal settings, MID vs SubMID configuration, multiple logos and logo IDs, the live preview and its limits, a…
- [Checkout Payment Method Display Rules](https://waffo.com/docs/en/support/cashier-display-rules-faq.md): How the Waffo checkout decides which payment methods to show and in what order: merchant-defined ranking, newly signed methods, folding, unavailable methods, country grouping, and display-mode options.
- [Checkout Forms, Prefill & Error Handling](https://waffo.com/docs/en/support/cashier-forms-and-flow-faq.md): What the customer actually has to fill in on the Waffo checkout: whether the details you sent are prefilled, when the payment-method selection page is skipped, card form validation rules and lengths, how a saved card behaves, QR-code lifetime, and which checkout errors are retried versus sent straig…
- [Checkout Language](https://waffo.com/docs/en/support/cashier-language-faq.md): Which field sets the language of the Waffo checkout, the exact BCP 47 format and validation errors, the full priority order the checkout uses to pick a display language, and the complete list of languages the checkout renders.
- [Checkout Page Lifecycle & Receipt](https://waffo.com/docs/en/support/cashier-order-lifecycle-faq.md): How the Waffo checkout page behaves across the order lifecycle: reopening links after payment, processing states, result-page redirects, merchant display name, logos, cross-currency amounts and returning-customer prefill.
- [Checkout Redirects & Action Types](https://waffo.com/docs/en/support/cashier-redirect-and-action-type-faq.md): How orderAction.actionType is decided and why webUrl and deeplinkUrl are mutually exclusive, how actionType relates to userInfo.userTerminal, when customers can switch country on the checkout, what a subscription checkout can and cannot narrow by request parameter, and which currency wins when a pay…
- [Chargeback Evidence Guide](https://waffo.com/docs/en/support/chargeback-evidence-guide.md): How to choose representment evidence: the three questions every defence has to answer, which question each dispute reason turns on, how the material differs for physical goods, digital goods and services, what to send when the reason is unknown, why a second cycle can appear without any action from…
- [Chargeback & Dispute FAQ](https://waffo.com/docs/en/support/chargeback-faq.md): Answers to the most common merchant questions about chargebacks: how notifications arrive, what to do when a chargeback opens, how to submit representment evidence, deadlines and status flow, and why disputed orders cannot be refunded.
- [Chargeback Field Reference](https://waffo.com/docs/en/support/chargeback-field-reference.md): A field dictionary for reading chargebacks in the Merchant Portal and in your settlement statement: the four CHARGEBACK Event Types and their signs, the Compulsory Channel Review flag, every Customer Dispute and Chargeback timeline event, which events move the unread counter, the 26 columns of the c…
- [Chargeback Reason Codes & Reported Fraud](https://waffo.com/docs/en/support/chargeback-reason-codes-and-reported-fraud.md): The complete Visa and Mastercard dispute reason codes Waffo recognises, grouped by category, with what each one is claiming; plus what Reported Fraud is, how it differs from a chargeback, and how to query it.
- [Loading the Checkout Inside My Own App (WebView, App Launch, Coming Back)](https://waffo.com/docs/en/support/checkout-in-app-webview-faq.md): The App-side questions the WebView integration guide does not answer: whether Waffo detects a WebView and warns the customer, which domains to allow, how your App learns the payment result when the customer never returns, whether the checkout refreshes itself after a wallet App round trip, whether a…
- [Conditionally Required Fields by Payment Method](https://waffo.com/docs/en/support/conditional-required-fields-faq.md): Why fields marked Optional on /api/v1/order/create — goodsId, goodsUniquePrice, skuName, userFirstName, userPhone, address and friends — can still be rejected as missing, which field paths can appear in a missing-field list, and why the correct pattern is to submit and read the list back rather than…
- [Coupons & Promotion Codes](https://waffo.com/docs/en/support/coupons-and-promotion-codes-faq.md): Waffo's discount engine end to end: percent-off vs amount-off coupons, Once / Repeating / Forever duration, single and batch promotion codes, redemption records, discount analytics, account-level caps, subscription trials, refund reversal, and the two API entry points.
- [Do I Have to Enable a Currency Before I Can Use It?](https://waffo.com/docs/en/support/currency-and-method-enablement-faq.md): How currencies and payment methods become usable on a Waffo account: order currency versus user currency, where to read what you are enabled for, which error a currency you are not enabled for actually returns, whether enablement is per merchant ID or account-wide, whether one payment method can be…
- [Limits, Currency & Configuration Errors](https://waffo.com/docs/en/support/error-codes-and-limits-supplement.md): The order-creation rejections not covered elsewhere: A0008 vs A0020 vs A0021 amount limits, why an uncontracted currency returns A0018 rather than A0007, A0026/A0047 checkout language, A0024 expired FX rate (not A0023), A0014 cross-currency refunds that round to zero, A0022 ambiguous payment method…
- [Common Errors Troubleshooting](https://waffo.com/docs/en/support/errors-troubleshooting-guide.md): How to diagnose and fix the API errors merchants hit most often — invalid API key (A0001), signature failures (A0002), parameter validation (A0003), payment-method/contract mismatches (A0018), unknown-status errors (Exxxxx), and webhook notifications that keep retrying.
- [Exchange Rates in Payments & Settlement](https://waffo.com/docs/en/support/exchange-rates-faq.md): Which rate a cross-currency order uses, when it is quoted and re-quoted, why the local amount changes at midday UTC+8, where the applied rate appears in the API and the Portal, and how settlement and refunds each pick their rate.
- [Exports & Report Downloads](https://waffo.com/docs/en/support/export-center-faq.md): Portal list exports are background tasks, not instant downloads: where the finished file appears, what the four task statuses mean, why Failed Count does not mean missing rows, when a download link expires, and the date-span and row limits that block an export before it starts.
- [Billing for Failed Card Transactions](https://waffo.com/docs/en/support/failed-transaction-billing-faq.md): Why a card payment that never succeeded can still appear on your settlement bill: which failure stages are billable, how the Event Type column works, why failed rows carry no order amount, and how to find and export these transactions in the Merchant Portal.
- [Fee & Tax Treatment](https://waffo.com/docs/en/support/fee-and-tax-treatment-faq.md): How Waffo decides which fee terms apply to a card transaction, what the three tax-bearer modes mean and who pays in each, how disputes and chargebacks differ in their effect on your money, and the limits on chargeback and settlement-estimation exports.
- [Self-Serve Sign-up, Sandbox & Account Verification](https://waffo.com/docs/en/support/getting-started-self-serve-faq.md): The path a self-registered merchant actually walks: create an account, verify your email, answer the company questions, shape a sandbox through the six-step setup wizard, collect your sandbox credentials, then complete the seven-step account verification — including what to do when an application is…
- [Account Verification: Form, Statuses & What You Can Change](https://waffo.com/docs/en/support/kyb-application-lifecycle-faq.md): How the account verification application behaves: which countries and entity types the self-serve form accepts, which fields are mandatory, whether the draft is saved and shared, who can submit, what each application status means, when you can edit, and what happens after approval.
- [KYB Document Requirements: Getting Verification Right First Time](https://waffo.com/docs/en/support/kyb-document-requirements-faq.md): What each account-verification document must look like to be accepted: which registration certificate applies to your country, how a shareholding structure chart is judged, passport and proof-of-address rules, what a returned item can be, how extra document requests work, and why a Guidelines downlo…
- [Building My Own Checkout Page Instead of Using Waffo's](https://waffo.com/docs/en/support/merchant-built-checkout-faq.md): What a merchant-built checkout can and cannot get from Waffo: when orderAction.actionData is populated and when it is empty, which payment instruments come back as raw data, who validates the required customer fields, how to query payment-method availability and amount ranges yourself, whether hoste…
- [Mini-Program Payments](https://waffo.com/docs/en/support/mini-program-payments-faq.md): How to take payments inside a wallet mini program: which front-end JS APIs and which Waffo endpoints you must integrate, what to send on order creation, how refunds work, how to identify the user with userid/inquiry, and why you only get the user's public ID unless extra scopes are approved.
- [Running Multiple Brands Under One Account](https://waffo.com/docs/en/support/multi-brand-and-sub-merchant-faq.md): How to run several brands or business lines under one Waffo account using SubMIDs: per-brand checkout name and logo, which level wins, what happens before you configure anything, what becomes fixed, extra information some payments collect, and how the USD amounts in your reports are converted.
- [Which Amount and Currency Fields Do I Check?](https://waffo.com/docs/en/support/order-amount-and-currency-fields-faq.md): An order carries several amounts — orderAmount, originalAmount, finalDealAmount, the amount the user actually paid, and a user fee — in up to three currencies. This page says which field to compare when you verify an order, which one to ship goods against, why finalDealAmount legitimately differs fr…
- [Order Amounts, Limits & Declines](https://waffo.com/docs/en/support/order-amount-precision-and-decline-faq.md): Why an amount that looks valid is rejected, how same-currency and cross-currency orders are checked differently, what processingAmountLimits min/max/multiple mean, which limit produced which error code, how payment method type decides whether your customer can pay at all, how to read a card decline,…
- [Order Creation Field Guide](https://waffo.com/docs/en/support/order-create-field-guide.md): The complete /api/v1/order/create request field table with every length limit, which fields are mandatory, what happens when a value is too long, how the paymentRequestId idempotent check actually behaves when you resend, and the field rules behind the common validation errors.
- [My Order Was Rejected — Is It Me, My Setup, or the Payment Method?](https://waffo.com/docs/en/support/order-rejection-self-diagnosis-faq.md): A decision tree for the rejections merchants raise most: A0018 payment-method/contract mismatch and every dimension that produces it, A0001 after a key rotation, C0005 channel rejection and the failure reason returned with it, A0017 on refunds, and how to tell a not-yet-enabled payment method apart…
- [What Can I Do to an Order in Each Status?](https://waffo.com/docs/en/support/order-status-actions-and-capture-faq.md): The order status list including the two statuses most merchants never see, which statuses accept cancel, capture and refund, why an order sits in AUTHORIZATION_REQUIRED, where the close reason is written, how cancel behaves when the payment method has already taken money, and the rules for capturing…
- [Payin Agreements & Transaction Limits](https://waffo.com/docs/en/support/payin-agreements-and-limits-faq.md): How to read Service → Payin: every column on your payin agreement list, the fee and settlement-cycle notation, agreement statuses, the amount limits — plus what the two limit-exceeded errors mean, how the daily limit is counted and released, and which name your customer sees at checkout.
- [Payment Enrollment: Why Approved Verification Is Not Yet Live Payments](https://waffo.com/docs/en/support/payment-enrollment-faq.md): Verification approved but still cannot take real payments? This page explains the Payment Enrollment stage that follows KYB approval: where the Activating Payment Capabilities panel is, what IN_PROGRESS and COMPLETED mean, why a payment method sits at Processing, and what Suspended or Rejected means…
- [Payment Links (No-code Collection)](https://waffo.com/docs/en/support/payment-link-faq.md): Collect a payment from the Merchant Portal without integrating anything: what a payment link is, the fields you fill in when creating one, how expiry works, why one link means exactly one order, where to track the result, and when to use Checkout instead.
- [Reading Your Payment Method Configuration](https://waffo.com/docs/en/support/payment-method-config-and-limits-faq.md): How to discover programmatically which payment methods your account can use: every field on the pay-method configuration response, why currentStatus can come back empty, what the four refundAllowed codes mean, the parameter errors that name your merchant ID or your notifyUrl, and the export columns…
- [Which Payment Methods and Markets Can I Accept?](https://waffo.com/docs/en/support/payment-method-coverage-faq.md): How to answer coverage questions yourself from the published payment method catalogue: which markets are listed, how the table aggregates rows, why one payment method appears under two names, how to tell whether a method does subscriptions or refunds, and how your own contracted list differs from th…
- [Refund Limits by Payment Method](https://waffo.com/docs/en/support/payment-method-refund-limits-faq.md): Why the same refund request succeeds on one payment method and is rejected on another: partial-refund availability, refund windows and deadlines, how many refunds one order allows, duplicate-request protection, refunds before and after capture, closed user accounts, and issuer-declined card refunds.
- [Confirming Payment Results](https://waffo.com/docs/en/support/payment-results-faq.md): How to reliably determine whether a payment succeeded: the roles of redirects, webUrl, webhooks and Order Inquiry, what each orderStatus means, and what to do when no notification arrives.
- [Timeouts & When a Result Is Final](https://waffo.com/docs/en/support/payment-timeout-and-finality-faq.md): Why an order that timed out is not proof the payment failed: what Waffo does at close time, whose clock decides the timeout, which failures reach you as a notification and which only surface on inquiry, late notifications and retries, automatic returns after a late success, the separate 3DS authenti…
- [Payout Error Codes & Retries](https://waffo.com/docs/en/support/payout-error-codes-and-retry-faq.md): The payout error code set, which differs from the payment one: what each A/B/C/D/E code means for a payout, which four codes are safe to retry, which mean change the request, why A0003 carries a field name, and what the B-prefixed codes are actually referring to.
- [Payout FAQ](https://waffo.com/docs/en/support/payout-faq.md): Answers to the most common questions about Waffo payouts: creating and tracking a payout, notifications, per-country payee field requirements, idempotency, and error codes.
- [Payout Request Field Guide](https://waffo.com/docs/en/support/payout-request-field-guide.md): Field-by-field answers for building a payout create request: how payoutRequestId idempotency actually compares requests, which payee fields are conditional by country, the two different date formats, phone and PIX key formats, bank properties per corridor, purpose values, amount precision, and which…
- [Payout Statuses, Notifications & Reports](https://waffo.com/docs/en/support/payout-status-notifications-and-reports-faq.md): What each payout status and sub-status means, why DEDUCTED never reaches you, when the payout webhook fires and the two cases where it does not fire at all, how to detect a reversal, and what the daily, weekly and monthly payout reports contain and when they appear.
- [Payout Wallet & Coverage](https://waffo.com/docs/en/support/payout-wallet-and-coverage-faq.md): The fourth Waffo account: what the Payout Wallet holds, how funds enter and leave it, how failed and reversed payouts return to your settlement account, how to read its separate Account History, and where to check which payout corridors you are contracted for.
- [Point Topup Reseller APIs](https://waffo.com/docs/en/support/point-topup-reseller-api-faq.md): The six signed endpoints a Point Topup reseller can call: catalogue lookup, purchase-balance inquiry, order creation with the resellerRequestId idempotency key, single and paged order inquiry, fulfillment inquiry, plus the four order statuses and the purchase notification.
- [Portal Sign-in, Links & Account Status](https://waffo.com/docs/en/support/portal-account-access-faq.md): Why the Merchant Portal signs you out, how long every email link stays valid, why a resend is refused, what the password expiry and reuse rules are, what Continue with Google does, and which account statuses can and cannot sign in.
- [Portal Dashboards & Analytics](https://waffo.com/docs/en/support/portal-analytics-faq.md): How to read the Merchant Portal dashboards: Home data freshness and the settlement calendar, Payments Analytics metric definitions, Chargeback Analytics ratios and periods, and the rules behind transaction, refund and settlement exports.
- [Missing Columns, Filters & Views](https://waffo.com/docs/en/support/portal-conditional-screens-faq.md): Why a Portal column, filter, tab or edit button you read about is not on your screen: which elements are contract-derived, which only appear when data exists, which analytics view you get and why, why a time interval is greyed out, and why a notification URL was rejected.
- [Home Dashboard](https://waffo.com/docs/en/support/portal-dashboard-faq.md): How the Portal Home dashboard counts: the Today panel's three TPV baselines, the TPV / Txns / ASP definitions, product split, the five time granularities, Compare, and what switching display currency does and does not convert.
- [Portal List Filters & Date Ranges](https://waffo.com/docs/en/support/portal-list-filters-and-date-ranges-faq.md): What you can filter and search on each Merchant Portal list, how far back each list looks by default, which pickers refuse a range longer than a month, how to cover a whole year, and why a button or a file name on a list is not clickable.
- [Merchant Portal Operations](https://waffo.com/docs/en/support/portal-operations-faq.md): Account and team administration in the Waffo Merchant Portal: why menus differ between merchants, what each role can do, inviting and removing users, login security and two-step verification, interface language, and where to find your integration keys.
- [Receipts: View, Send & Configure](https://waffo.com/docs/en/support/portal-receipt-faq.md): How to view a payment receipt in the Merchant Portal, email it to a customer, read the delivery statuses, and understand what controls the receipt content.
- [Portal Self-Service Security Configuration](https://waffo.com/docs/en/support/portal-security-config-faq.md): How to manage API security settings in the Merchant Portal: submitting and rotating public keys with challenge-string verification, configuring refund and chargeback notification URLs, and restricting API access with an IP allowlist.
- [Merchant Switcher, Demo Mode & Environments](https://waffo.com/docs/en/support/portal-switcher-and-environments-faq.md): The merchant ID dropdown at the top of the Portal and the alias beside it, how it differs from the sub-merchant filter, what the Demo Mode badge means and how to leave it, whether sandbox and production are the same account, and what to do when an administrator leaves.
- [Webhook Event Log & Manual Resend](https://waffo.com/docs/en/support/portal-webhook-log-faq.md): How to inspect webhook delivery in the Merchant Portal: what counts as a successful delivery, why a record can be missing entirely, which Order ID each event shows, and how manual resend interacts with automatic retries.
- [Production Public Keys & API Operation Types](https://waffo.com/docs/en/support/production-api-key-and-public-key-faq.md): Submitting and rotating your production public key yourself: the exact format the field accepts, why the Portal asks you to sign a challenge string, what the three API operation types mean and why Withdraw must stand alone, and how old and new keys coexist during a rotation.
- [What Has to Happen Before I Can Take Live Payments?](https://waffo.com/docs/en/support/production-go-live-faq.md): The whole path to production in one place: which stages gate live payments, what actually changes when you switch from the sandbox, what integration acceptance asks for and when you can use the shorter template, what technical preparation is on your side, and how adding a country or a payment method…
- [Receipt Configuration & Download](https://waffo.com/docs/en/support/receipt-configuration-and-download-faq.md): How the customer-facing receipt works end to end: what the customer chooses when downloading (language, company name for expense claims, and why it can only be set once), what you can configure in the Portal, whether a configuration change affects past transactions, receipt URLs, and the transaction…
- [Refund FAQ](https://waffo.com/docs/en/support/refund-faq.md): Answers to the most common questions about Waffo refunds: multiple partial refunds, refund preconditions, idempotent retries, cross-currency amounts and rounding, refund vs cancel, processing time and payment method limitations.
- [Where Refund Money Comes From](https://waffo.com/docs/en/support/refund-funding-source-faq.md): Which of your Waffo balances a refund is actually drawn from, in what order, why a refund can fail with insufficient balance right after a settlement paid out, how a refund reserve account prevents that, and why none of this changes the refund API.
- [Refund Records, IDs, Notifications and Timing](https://waffo.com/docs/en/support/refund-records-and-notifications-faq.md): Every identifier a refund carries and which one to quote to whom, why some refunds ask you for the customer's bank account and name, what to do when you typed those details wrong, when the refund webhook fires and where it goes, how long a refund typically takes to reach the customer, and whether a…
- [Report Delivery & Email Subscription](https://waffo.com/docs/en/support/report-delivery-and-subscription-faq.md): The four ways a Waffo report file can reach you — Portal download, Waffo SFTP, your own SFTP, or email — plus how to manage settlement report email subscriptions yourself: schedule, recipients, body language, send history and when a delivery change takes effect.
- [Reserve Accounts](https://waffo.com/docs/en/support/reserve-faq.md): How a fixed and a rolling reserve differ, which account funds the hold, how the holding period is counted, what happens on a negative settlement period, when a hold is released, and where to reconcile every reserve movement in the Merchant Portal.
- [Risk Declines & 3D Secure](https://waffo.com/docs/en/support/risk-declines-and-3ds-faq.md): What a risk decline returns, how to tell it apart from a payment method decline, whether you can force or skip 3D Secure and when your instruction is ignored, how a challenge reaches the shopper, and what you can see about declines, chargeback and fraud rates in the Portal.
- [Sandbox Environment & Access FAQ](https://waffo.com/docs/en/support/sandbox-environment-and-access-faq.md): How the Waffo sandbox is provisioned, which URLs and merchant ID belong to it, how the sandbox setup wizard works and what each answer changes, where sandbox keys come from, and exactly how the sandbox is isolated from production.
- [Sandbox Simulation Limits FAQ](https://waffo.com/docs/en/support/sandbox-simulation-limits-faq.md): Exactly what the Waffo sandbox can and cannot reproduce: which reserved amounts trigger which error, why the refund amounts do nothing, how to simulate a wallet-side cancellation, why a simulated failed renewal never retries, and which scenarios have no sandbox path at all.
- [Sandbox Testing FAQ](https://waffo.com/docs/en/support/sandbox-testing-faq.md): How to get sandbox credentials, simulate payment success and failure, use test card numbers, receive webhooks locally, and understand the differences between sandbox and production.
- [What Can I Change Myself in the Merchant Portal?](https://waffo.com/docs/en/support/self-service-boundaries-faq.md): For every onboarding and go-live setting a merchant asks about — payment methods, currencies, bank accounts, IP allowlist, domains, keys, order timeout, checkout layout — whether the Merchant Portal lets you change it yourself, or whether it is set on Waffo's side, and what you can read yourself ins…
- [Settlement Account Structure & Account History Filters](https://waffo.com/docs/en/support/settlement-account-structure-faq.md): Why one settlement currency can show two account numbers and why one withdrawal can leave as two payments, what accountSubType and the overdraft limit fields mean, and the correct Account History filter values — six business types across both the settlement and the reserve account, including reserve…
- [Settlement Batches & Calendar](https://waffo.com/docs/en/support/settlement-batch-and-calendar-faq.md): How transactions are grouped into settlement entries and batches, what the identifiers mean, what the settlement record's status timeline shows, what Balance History records and how to filter and export it, and how to read the settlement calendar's country dimension and holiday details.
- [Settlement Calculation Explained](https://waffo.com/docs/en/support/settlement-calculation-explained.md): Reproduce a Waffo settlement figure line by line: the four clearing steps, the 2 vs 6 decimal precision setting, which currency pair and rounding rule each currency combination uses, how minimum and maximum fee caps are applied, what a Return Fee is, and why a negative settlement period pays nothing…
- [Settlement Cycle & Calendar](https://waffo.com/docs/en/support/settlement-cycle-faq.md): Operational rules behind your settlement dates: the UTC+8 day cutoff, per-payment-method settlement agreements, the daily / weekly / half-monthly / monthly cycle types and how T+N is counted for each, business-day deferral against the merged holiday calendar, settlement batches, periods that net out…
- [Which settlement data can I actually get, and where?](https://waffo.com/docs/en/support/settlement-data-availability-faq.md): Answers the 'can you add this field / is there an API for this' class of reconciliation question: which identifiers and dimensions exist in the transaction export, the settlement reports and the money-movement APIs, which ones do not exist at all, why three exports of the same month disagree, and wh…
- [Settlement File Specification](https://waffo.com/docs/en/support/settlement-file-specification-faq.md): Column-by-column reference for the three reconciliation report files plus the Settlement Statement and Invoice PDFs: every field's meaning, decimal precision, when it is empty, the file naming rules, where files are delivered, and how to bulk-download a date range.
- [Settlement Reports Module](https://waffo.com/docs/en/support/settlement-reports-export-faq.md): How the Settlement Reports module in the Merchant Portal works: choosing a payment-date or settlement-date dimension, the export types and their date-span limits, which currency selector applies, how Order Amount and Fee Amount are defined in a summary, when an export splits into a zip, and how to r…
- [Settlement Reports & Exports](https://waffo.com/docs/en/support/settlement-reports-faq.md): How Waffo calculates every amount in your settlement reports, which rounding rule applies to each column, how to use Settlement History, Settlement Batch and Customized Export, and why a settlement file may be missing or empty.
- [Stablecoin Exceptions & Refunds](https://waffo.com/docs/en/support/stablecoin-exceptions-faq.md): What happens when a shopper overpays, underpays, pays late, or pays on the wrong chain or with the wrong token — where you can and cannot see those cases, the exact address format a USDC/USDT refund must use, and why a stablecoin refund is all-or-nothing.
- [Stablecoin Payments](https://waffo.com/docs/en/support/stablecoin-payments-faq.md): Accepting USDC and USDT: which of the two integration paths to pick, the exact chain values to send, how the receiving address works in each path, amount and decimal rules, the payment window, what a shopper's completed transfer does and does not mean, fiat settlement, and where a stablecoin order s…
- [Subscription Amounts & Per-Period Scheduling FAQ](https://waffo.com/docs/en/support/subscription-amount-scheduling-faq.md): What scheduledAmounts means, how Waffo picks the amount for each billing period, what /subscription/update can and cannot change (it lowers amounts; raising needs a plan change or a seat add-on top-up), the amount-update webhook, and why there is no proration field.
- [When Does a Subscription Actually Charge?](https://waffo.com/docs/en/support/subscription-billing-schedule-faq.md): How Waffo works out each billing date from the subscription start, why a monthly subscription started on the 31st springs back to the 31st after February, whether a late retry moves the next date, why a first-period failure is not retried, and what every per-period charge status means.
- [Subscription Creation & Validation FAQ](https://waffo.com/docs/en/support/subscription-creation-validation-faq.md): The exact value ranges Waffo accepts when you create a subscription, which fields are required together, the full list of subscription statuses and their legal transitions, and how creation retries, queries and future start dates behave.
- [Cross-Currency Subscriptions & Portal FAQ](https://waffo.com/docs/en/support/subscription-cross-currency-and-portal-faq.md): How FX works on a subscription priced in one currency but charged in another, where the converted amount and rate are visible, and how to find subscriptions, charges and refunds in the merchant Portal.
- [Subscription FAQ](https://waffo.com/docs/en/support/subscription-faq.md): Answers to the most common questions about Waffo subscriptions: upgrades and downgrades, amount changes, failed deductions and retries, notifications, trials and user-side management.
- [The Hosted Subscription Management Page](https://waffo.com/docs/en/support/subscription-hosted-management-faq.md): How /subscription/manage works: which statuses return a link and why you get A0028, how long a link lasts and whether a new one kills the old, exactly what the customer can see and do on the page, how far it can be branded, and why cancellation there is immediate.
- [Subscription Lifecycle & Payment Method Management](https://waffo.com/docs/en/support/subscription-lifecycle-management.md): How to schedule a subscription to start in the future, what you can do before it starts, how users manage multiple payment methods with automatic backup retry, amount-update rules, and the lifecycle notifications Waffo sends to end users.
- [Subscription Emails to Your Customers](https://waffo.com/docs/en/support/subscription-notifications-faq.md): The six emails Waffo can send directly to a subscriber, exactly when each one fires, which language it is rendered in, how to keep them from colliding with your own emails, and what the subscription billing history returns.
- [Upgrading & Downgrading a Subscription Plan](https://waffo.com/docs/en/support/subscription-plan-change-faq.md): How /subscription/change works end to end: what remainingAmount is and who computes it, the four change statuses, what happens to the old subscription and when, how to replace a change the customer never paid, and what A0048 / A0049 / A0050 / A0054 mean.
- [Subscription Retries & Payment Methods](https://waffo.com/docs/en/support/subscription-retry-and-payment-methods-faq.md): How Waffo retries a failed subscription deduction, when it stops retrying and what that does to the subscription, how the rolling retry window works, and the full rules for binding, ordering, replacing and deleting the payment methods on a subscription.
- [Tax, Discount & Topup Edge Cases](https://waffo.com/docs/en/support/tax-coupon-and-topup-edges-faq.md): The awkward cases: how tax is refunded across several partial refunds so the totals reconcile exactly, when a tax calculation failure stops an order and when the order proceeds untaxed, what each state of a discount record means and which order event drives it, why two discounts cannot be combined o…
- [Tokenization & Card Payments FAQ](https://waffo.com/docs/en/support/tokenization-faq.md): Answers to the most common questions about Waffo card tokenization: what a token is, how to obtain one, the token lifecycle, CIT vs MIT, first payment vs subsequent charges, and handling expired or invalid tokens.
- [Non-Card Tokens & Token Failure Reasons](https://waffo.com/docs/en/support/tokenization-non-card-faq.md): The parts of tokenization the card FAQ does not cover: token types beyond CARD, the extra fields and fixed expiry of wallet-class tokens, why a tokenization submit is rejected, the cardholder-name rule, how MIT behaves differently from CIT, why a card payment can be refused before it is sent anywher…
- [Transaction & Refund Field Reference](https://waffo.com/docs/en/support/transaction-field-reference-faq.md): What each field on a Portal payment or refund record actually means: the two merchant order IDs on a refund, Initiation Type (CIT/MIT) and why it is usually empty, the card details and how the card number is masked, why an amount reads as a dash, and why the Refund button is missing or greyed out.
- [Per-Card Purchase Limit API](https://waffo.com/docs/en/support/transaction-limit-api-faq.md): How to cap how many units of a product or product category a single card may buy, using the signed transactionlimit create / update / inquiry endpoints: request fields, the two mutually exclusive limit groups, idempotency, effective window, and what the shopper sees when a rule is hit.
- [Can I Send Shopper Details So the Checkout Doesn't Ask Again?](https://waffo.com/docs/en/support/trusted-shopper-data-faq.md): Trusted shopper data on the Waffo checkout: exactly which nine fields can be pre-filled from your order request, why the form still appears, which value wins when the shopper edits it, why a national ID such as CPF is not one of them, and how the configuration is scoped and requested.
- [Webhook Delivery Contract FAQ](https://waffo.com/docs/en/support/webhook-delivery-contract-faq.md): The exact rules Waffo applies when delivering a webhook: how long your endpoint has to answer, which response bodies count as success, where each event's callback URL comes from, why the same event can arrive twice or out of order, and what a not-paid notification looks like.
- [Webhook Event Dictionary & Batch Replay](https://waffo.com/docs/en/support/webhook-events-and-resend-faq.md): The seven webhook event types the Merchant Portal tracks, which identifier each one carries so you can match it back to your own order, how long the log is kept, and how to replay a window of failed deliveries with Retry by Date.
- [Webhook Payload Field FAQ](https://waffo.com/docs/en/support/webhook-payload-field-faq.md): Which field in a webhook body is your order number, where card BIN and last four actually live, what payout fee fields to consume, how a failed subscription period is expressed, and the ways a notification body differs from the matching inquiry response.
- [Withdrawal & Balance APIs](https://waffo.com/docs/en/support/withdrawal-and-balance-api-faq.md): The five signed endpoints that let you withdraw settlement funds and read balances from your own system: the consult → create → inquiry sequence, the withdrawRequestId idempotency key, which accounts a balance query returns, and the time window and fields of an account-history query.
- [Withdrawal & Batch Payout FAQ](https://waffo.com/docs/en/support/withdrawal-and-batch-payout-faq.md): Answers to the most common questions about withdrawing settlement funds and sending batch payouts from the Waffo Merchant Portal: fees, statuses, statements, beneficiary accounts, batch validation and automatic withdrawals.
- [Withdrawal Exceptions & Statuses](https://waffo.com/docs/en/support/withdrawal-exceptions-and-status-faq.md): What happens when a withdrawal is rejected at review, refused by the bank, or returned after it already succeeded: the full status chain, whether the withdrawal fee comes back, the Account History rows a return produces, what the Description column says in each state, and why the Withdraw button can…