# Waffo Documentation: Chinese ## Chinese ### 产品指南 #### 产品与服务 - [Waffo 产品概览](https://waffo.com/docs/zh/essentials/product-overview.md): 构建全球支付基础设施。从收单到增长的一站式全栈解决方案。 #### 收单与支付 - [收银台](https://waffo.com/docs/zh/essentials/checkout.md): Waffo 的标准化收银台产品，用于管理覆盖一次性支付与订阅支付模式的全球支付交互流程。 - [一次性支付](https://waffo.com/docs/zh/essentials/one-time-payment.md): 一次接入，覆盖全球主流支付方式，每笔交易清晰可控。 - [订阅与定期扣款](https://waffo.com/docs/zh/essentials/subscription-recurring.md): 为周期性支付场景提供自动化、高成功率的账单解决方案。通过一次授权、多次自动扣款的机制，我们支持灵活的计费周期配置与智能重试。 - [支付方式](https://waffo.com/docs/zh/essentials/payment-methods.md): 通过单一、统一的 API 接口，将您的业务连接到主流全球及特色本地支付方式。 #### 结算与资金 - [商户结算](https://waffo.com/docs/zh/essentials/merchant-settlement.md): 智能透明的全球资金结算服务，自动汇兑多币种交易，以灵活结算策略精准优化商户现金流。 - [商户门户](https://waffo.com/docs/zh/essentials/merchant-portal.md): 面向跨境企业的一站式支付管理平台。在一个平台集中管理交易、结算、数据分析与团队访问权限。 #### 增值服务 - [争议与拒付](https://waffo.com/docs/zh/essentials/dispute-chargeback.md): 覆盖三个核心阶段的系统化、分层闭环防御体系：拒付预警、客户争议与拒付。 - [全链路数据智能](https://waffo.com/docs/zh/essentials/data-intelligence.md): 端到端的数据智能，将晦涩的银行代码转化为可执行的增长策略。 #### 高级功能 - [支付凭证化](https://waffo.com/docs/zh/essentials/tokenization.md): 使用 Waffo Tokens 安全存储支付凭证，在无需处理原始卡号的情况下，实现一键结账、周期性扣款与延后扣款。 - [授权-扣款](https://waffo.com/docs/zh/essentials/auth-capture.md): 将支付拆分为两个步骤——先预授权资金，仅在交易确认后再扣款，从而降低欺诈风险与退款成本。 #### 点卡充值 - [点卡充值](https://waffo.com/docs/zh/essentials/point-topup.md): Waffo Point Topup 是点卡充值 API 与白标点卡充值方案。供应商通过 API 或一条 URL 跳转接入点卡库存或充值能力，无需自建店面和支付。 ### 开发文档 #### 快速开始 - [集成概览](https://waffo.com/docs/zh/developer-docs/getting-started/overview.md): Waffo 作为一站式全球支付平台的核心能力与集成流程概览。 - [集成指南](https://waffo.com/docs/zh/developer-docs/getting-started/quickstart.md): 5 分钟完成第一笔支付，快速接入 Waffo 支付。 - [沙盒与测试](https://waffo.com/docs/zh/developer-docs/getting-started/sandbox.md): 在沙盒环境中完成完整的集成测试，无需真实资金。 - [上线清单](https://waffo.com/docs/zh/developer-docs/getting-started/go-live.md): 从沙盒切换到生产环境前的完整检查清单。 #### 核心概念 - [支付生命周期与订单状态](https://waffo.com/docs/zh/developer-docs/core-concepts/payment-lifecycle.md): 了解 Waffo 支付订单、订阅与退款如何在不同状态之间流转。 - [金额与币种](https://waffo.com/docs/zh/developer-docs/core-concepts/currency.md): Waffo 金额格式规范与多币种支付说明。 - [定价币种方案](https://waffo.com/docs/zh/developer-docs/use-cases/pricing-currency.md): 了解 Waffo 支持的三种定价币种策略：全球统一定价、各国分别定价、区域定价，以及如何正确传参。 - [错误处理](https://waffo.com/docs/zh/developer-docs/core-concepts/error-handling.md): Waffo API 错误码分类与 Unknown Status 异常处理指南。 - [幂等性](https://waffo.com/docs/zh/developer-docs/core-concepts/idempotency.md): 使用幂等键防止重复扣款并确保支付安全。 #### 集成 - [选择集成方案](https://waffo.com/docs/zh/developer-docs/use-cases/checkout-solution.md): 对比 Waffo 两种收银台集成模式，选择合适的集成方案。 - [Coupon 开通与使用](https://waffo.com/docs/zh/developer-docs/use-cases/coupons.md): 开通 Coupon，在 Merchant Portal 配置 Promotion Code，并通过 API 或 Waffo Checkout 应用优惠。 - [AI 集成工具（waffo-integrate）](https://waffo.com/docs/zh/developer-docs/integration/ai-integration.md): 通过 AI 编码工具自动完成并验证 Waffo SDK 集成。 - [收银台集成 - 集成步骤](https://waffo.com/docs/zh/developer-docs/integration/checkout/steps.md): 使用 Waffo 托管收银台完成支付集成的完整流程。 - [收银台集成 - 自定义选项](https://waffo.com/docs/zh/developer-docs/integration/checkout/customization.md): 收银台支付方式过滤、多币种、语言及主题自定义等配置说明。 - [Merchant Portal 收银台客制化配置](https://waffo.com/docs/zh/developer-docs/integration/checkout/portal-customization.md): 在 Merchant Portal 中配置收银台 Logo、主题样式、子商户样式、发布规则和权限。 - [x402 稳定币收单](https://waffo.com/docs/zh/developer-docs/use-cases/x402-stablecoin-acquiring.md): 通过 x402 协议接收 AI Agent 的 USDC 稳定币付款：商户自持 402 与 Waffo 托管两种集成模式的完整接入指南。 ##### Subscription 使用案例介绍 - [增加席位并补差价](https://waffo.com/docs/zh/developer-docs/use-cases/subscription-use-cases.md): 了解 Subscription 当前周期补差的关键字段。 ##### Apple Pay 集成 - [Apple Pay 集成](https://waffo.com/docs/zh/developer-docs/integration/apple-pay/overview.md): 比较四种 Apple Pay 集成方式，以及每种方式对运行环境、前端改造和 Token 处理的不同要求。 - [Merchant 直接集成 Apple Pay](https://waffo.com/docs/zh/developer-docs/integration/apple-pay/merchant-direct-integration.md): 在 Merchant 服务端解密 Apple Pay Token，并按 Waffo 指定格式透传解密结果。 ##### 纯 API 集成 - [概览](https://waffo.com/docs/zh/developer-docs/integration/api/overview.md): 一次性支付和订阅支付的手工 API 接入路线图。 - [代码示例](https://waffo.com/docs/zh/developer-docs/integration/api/examples.md): 面向 Node.js、Java、Go、Python 和原始 HTTP 的多语言 API 集成代码示例。 ##### 前端组件 (Elements) - [前端组件 - 组件使用](https://waffo.com/docs/zh/developer-docs/integration/elements/usage.md): 如何集成前端组件，将支付能力嵌入商户页面。 - [前端组件 - 样式自定义](https://waffo.com/docs/zh/developer-docs/integration/elements/styling.md): 收银台外观、语言以及支付方式筛选的自定义选项。 ##### 绑卡与 Token - [绑卡与 Token 管理](https://waffo.com/docs/zh/developer-docs/integration/tokenization/overview.md): 将用户银行卡信息安全转换为 Token，后续支付无需再次输入卡号。 ##### 结算对账 - [Reconciliation reports](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/reconciliation-reports.md): Waffo Reconciliation reports 的定义、CSV 字段、文件命名和示例。 #### Webhook - [Webhook - 概述与配置](https://waffo.com/docs/zh/developer-docs/webhook/overview.md): Waffo Webhook 异步事件通知的概述与配置要求。 - [Webhook - 事件类型列表](https://waffo.com/docs/zh/developer-docs/webhook/event-types.md): Waffo Webhook 所有事件类型的详细说明与 payload 示例。 - [Webhook - 签名验证](https://waffo.com/docs/zh/developer-docs/webhook/signature-verification.md): Webhook 请求的 RSA 签名验证方法与代码示例。 - [Webhook - 处理最佳实践](https://waffo.com/docs/zh/developer-docs/webhook/best-practices.md): Webhook 处理的最佳实践：幂等性、快速响应、安全性等。 - [Webhook - 重试与失败恢复](https://waffo.com/docs/zh/developer-docs/webhook/retry.md): Webhook 重试机制与失败恢复策略。 #### SDK - [Node.js SDK](https://waffo.com/docs/zh/developer-docs/sdk/nodejs.md): Waffo Node.js SDK 安装、初始化与使用指南。 - [Java SDK](https://waffo.com/docs/zh/developer-docs/sdk/java.md): Waffo Java SDK 的安装、初始化与使用指南。 - [Go SDK](https://waffo.com/docs/zh/developer-docs/sdk/go.md): Waffo Go SDK 安装、初始化与使用指南。 - [Python SDK](https://waffo.com/docs/zh/developer-docs/sdk/python.md): Waffo Python SDK 的安装、初始化与使用指南。 - [PHP SDK](https://waffo.com/docs/zh/developer-docs/sdk/php.md): Waffo PHP SDK 的安装、初始化与使用指南。 - [SDK 更新日志](https://waffo.com/docs/zh/developer-docs/sdk/changelog.md): Waffo Node.js、Java、Go、Python 和 PHP SDK 版本发布更新日志。 #### 工具与参考 ##### 开发者工具 - [Postman 集合](https://waffo.com/docs/zh/developer-docs/tools-and-references/developer-tools/postman.md): 使用 Postman 集合快速测试 Waffo API。 - [沙箱模拟器](https://waffo.com/docs/zh/developer-docs/tools-and-references/developer-tools/sandbox-simulator.md): 在沙箱环境中使用模拟器以模拟各种支付场景的说明。 - [八达通沙箱测试支付](https://waffo.com/docs/zh/developer-docs/tools-and-references/developer-tools/octopus-sandbox-e2e.md): 按照八达通测试 App 文档完成沙箱支付测试。 ##### 参考资料 - [错误代码快速参考](https://waffo.com/docs/zh/developer-docs/tools-and-references/developer-tools/error-codes.md): Waffo API 错误代码及类别说明的完整列表。 - [数据参考](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/data-reference.md): Waffo 状态码、枚举值、支付方式类型及通用约定的完整参考。 - [常见问题（FAQ）](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/faq.md): 关于 Waffo 集成、支付与安全的常见问题与解答。 - [支付方式集成注意事项](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/payment-method-integration-notes.md): Checkout 集成中按支付方式和接入环境整理的注意事项。 - [订阅支付方式对比](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/subscription-payment-methods.md): 按支付方式梳理订阅在计费方式、频次、试用期与管理能力上的差异。 - [集成验收标准](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/acceptance-criteria.md): 商户完成 Waffo 集成后的验收标准，涵盖功能测试、异常处理、传参要求与数据完整性。 - [API 版本历史](https://waffo.com/docs/zh/developer-docs/tools-and-references/references/changelog.md): Waffo API 版本历史与变更日志。 #### 点卡充值 API - [点卡充值集成总览](https://waffo.com/docs/zh/developer-docs/point-topup/overview.md): Waffo Point Topup 面向供应商的三种集成模式、接口提供方划分与接入准备清单。 - [Mode A：离线点卡导入](https://waffo.com/docs/zh/developer-docs/point-topup/mode-a-offline-import.md): 供应商以 Excel/CSV 离线提供点卡，Waffo Point Topup 导入库存并代为销售发货。无需任何 API 开发。 - [Mode B：点卡获取 API](https://waffo.com/docs/zh/developer-docs/point-topup/mode-b-point-code-api.md): 用户支付完成后，Waffo Point Topup 调用供应商的点卡获取 API 实时取码。含请求响应字段、幂等要求与示例。 - [Mode C：即时履行 API](https://waffo.com/docs/zh/developer-docs/point-topup/mode-c-direct-fulfillment.md): URL 签名跳转、即时履行、履行结果查询与履行结果通知 Webhook。用户支付完成后 Waffo Point Topup 调用供应商接口，直接给用户账户充值。 - [点卡充值 API 共通规范](https://waffo.com/docs/zh/developer-docs/point-topup/api-common.md): Waffo Point Topup 与供应商之间的接口协议、消息结构、SHA256WithRSA 签名验签、错误码与 RSA 密钥生成。 ### API 参考 #### 概览 - [简介](https://waffo.com/docs/api-reference/zh/introduction.md): Waffo 收单订单 API 参考 #### 一次性支付 - [Create new order](https://waffo.com/docs/api-reference/order-create/create-new-order.md): Note: For certain Pay Methods, some optional fields are required. Kindly refer to Section Specific Pay Method Requirement - [Order inquiry](https://waffo.com/docs/api-reference/order-inquiry/order-inquiry.md) - [Order cancel](https://waffo.com/docs/api-reference/order-cancel/order-cancel.md) - [Order refund](https://waffo.com/docs/api-reference/order-refund/order-refund.md) - [Refund inquiry](https://waffo.com/docs/api-reference/refund-inquiry/refund-inquiry.md) - [Order capture](https://waffo.com/docs/api-reference/order-capture/order-capture.md) #### 订阅 - [Create Subscription](https://waffo.com/docs/api-reference/subscription-create/create-subscription.md): Note: For certain Pay Methods, some optional fields are required. Kindly refer to Section Specific Pay Method Requirement - [Subscription Inquiry](https://waffo.com/docs/api-reference/subscription-inquiry/subscription-inquiry.md) - [Subscription cancel](https://waffo.com/docs/api-reference/subscription-cancel/subscription-cancel.md) - [Subscription manage](https://waffo.com/docs/api-reference/subscription-manage/subscription-manage.md) - [Subscription change](https://waffo.com/docs/api-reference/subscription-change/subscription-change.md) - [Subscription change inquiry](https://waffo.com/docs/api-reference/subscription-change-inquiry/subscription-change-inquiry.md) - [Subscription update](https://waffo.com/docs/api-reference/subscription-update/subscription-update.md) #### 配置 - [Merchant Config inquiry](https://waffo.com/docs/api-reference/merchant-config-inquiry/merchant-config-inquiry.md) - [Pay Method Config Inquiry](https://waffo.com/docs/api-reference/pay-method-config-inquiry/pay-method-config-inquiry.md) - [Wallet inquiry](https://waffo.com/docs/api-reference/wallet-inquiry/wallet-inquiry.md): Query on-chain wallet / receiving address (network/asset/payTo) for x402 stablecoin payin #### 拒付 - [Chargeback inquiry](https://waffo.com/docs/api-reference/chargeback-inquiry/chargeback-inquiry.md): Query a single chargeback by chargebackId or originalOrderId. Note: when the original order has more than one chargeback, for example after escalation to Second Cycle, query by chargebackId. - [Chargeback list](https://waffo.com/docs/api-reference/chargeback-list/chargeback-list.md): Query chargebacks by creation time range, status and life cycle. Note: this API does not return the message and evidence objects; use Chargeback inquiry to retrieve them. - [Chargeback accept](https://waffo.com/docs/api-reference/chargeback-accept/chargeback-accept.md): Accept the chargeback. The amount and fee were already debited when the chargeback was created, so accepting does not trigger a further debit — the case is closed and the merchant is not refunded. Note: this action is irreversible — no further evidence can be submitted afterwards, and an ACCEPTED no… - [Chargeback update](https://waffo.com/docs/api-reference/chargeback-update/chargeback-update.md): Submit defense evidence in First Cycle, or defend the case in Second Cycle. Note: in First Cycle at least one evidence file is required, supplied through message.documents or evidence.othersFile; in Second Cycle the call itself defends the case and evidence is not accepted. On success the status bec… - [Chargeback file upload](https://waffo.com/docs/api-reference/chargeback-file-upload/chargeback-file-upload.md): Upload an evidence file and obtain the fileId used by the Chargeback update API. Send the request as multipart/form-data. Note: this API is authenticated by X-API-KEY only and does not participate in RSA signing; the response carries no X-SIGNATURE. The merchantId must match the merchant bound to th… - [Chargeback file download](https://waffo.com/docs/api-reference/chargeback-file-download/chargeback-file-download.md): Download a previously uploaded evidence file. On success the API returns HTTP 302 Found with a Location header pointing to a time-limited pre-signed URL; the file content is served from that URL, so the HTTP client must follow redirects (curl requires -L). This API does not stream the file bytes dir… - [Reported Fraud list](https://waffo.com/docs/api-reference/reported-fraud-list/reported-fraud-list.md): Query the fraud reports the card schemes raised against your transactions, filtered by fraud report date, card scheme and acquiring order Id. Reported fraud is the card scheme's own fraud signal and is independent of chargebacks: a reported transaction may never be charged back, and a chargeback ma… #### 令牌化 - [Tokenization Generate](https://waffo.com/docs/api-reference/waffo-tokenization-api/tokenization-generate.md) - [Tokenization Inquiry](https://waffo.com/docs/api-reference/waffo-tokenization-api/tokenization-inquiry.md) - [Tokenization remove](https://waffo.com/docs/api-reference/waffo-tokenization-api/tokenization-remove.md) #### Payout - [Payout create](https://waffo.com/docs/api-reference/payout-create/payout-create.md) - [Payout inquiry](https://waffo.com/docs/api-reference/payout-inquiry/payout-inquiry.md) #### 点卡充值 - [Signed redirect to checkout](https://waffo.com/docs/api-reference/point-topup-redirect/signed-redirect-to-checkout.md): Hands an end user from the supplier's site to the Waffo Point Topup storefront. Waffo validates the required parameters, checks that `timestamp` is within 2 hours, recalculates the signature, issues a session token and then redirects the user to the `siteCode` purchase page. - [Fulfillment inquiry](https://waffo.com/docs/api-reference/point-topup-fulfillment-inquiry/fulfillment-inquiry.md): Lets the supplier query the fulfillment result of a Mode C order from Waffo Point Topup. This is the pull-based counterpart of the fulfillment event webhook, typically used for reconciliation or when a webhook notification was missed. - [履行结果 Webhook](https://waffo.com/docs/api-reference/zh/point-topup-fulfillment-webhook.md): Waffo Point Topup 向供应商自有端点推送 Mode C 订单最终履行状态的 Webhook。 ## OpenAPI Specs - [openapi](/docs/api-reference/openapi.json) - [tokenization-api](/docs/api-reference/tokenization-api.json) - [point-topup-api](/docs/api-reference/point-topup-api.json)