> ## Documentation Index
> Fetch the complete documentation index at: https://waffo.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant Portal

> A one-stop payment management platform for cross-border enterprises. Manage transactions, settlements, analytics, and team access in one place.

export const CardGroup = ({children, cols = 2}) => {
  const items = Array.isArray(children) ? children.filter(Boolean) : [children];
  const layoutColumns = items.length === 3 ? 3 : cols === 1 ? 1 : 2;
  return <div className="waffo-guide-cards not-prose my-4 grid gap-4" data-columns={layoutColumns}>
      <style>{`
        .waffo-guide-cards {
          grid-template-columns: minmax(0, 1fr) !important;
        }
        .waffo-guide-cards .waffo-clickable-card {
          transition:
            transform 180ms ease,
            border-color 180ms ease,
            box-shadow 180ms ease,
            background 180ms ease !important;
        }
        html:not(.dark) .waffo-guide-cards .waffo-clickable-card:hover {
          border-color: rgba(109, 145, 245, 0.45) !important;
        }
        html.dark .waffo-guide-cards .waffo-clickable-card:hover,
        .dark .waffo-guide-cards .waffo-clickable-card:hover {
          border-color: rgba(109, 145, 245, 0.45) !important;
        }
        @media (min-width: 768px) {
          .waffo-guide-cards[data-columns="2"],
          .waffo-guide-cards[data-columns="3"] {
            grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
          }
          .waffo-guide-cards[data-columns="3"] .waffo-guide-card:nth-of-type(3) {
            grid-column: 1 / -1 !important;
          }
        }
      `}</style>
      {items}
    </div>;
};

export const Card = ({title, icon, href, children}) => {
  const resolvedHref = (() => {
    if (!href || typeof href !== "string") return href;
    if (!href.startsWith("/") || href.startsWith("//")) return href;
    if (typeof window === "undefined") return href;
    const docsPrefixMatch = window.location.pathname.match(/^\/docs(?=\/|$)/);
    const docsPrefix = docsPrefixMatch ? docsPrefixMatch[0] : "";
    if (!docsPrefix) {
      return href.startsWith("/docs/") ? href.slice(5) : href;
    }
    return href.startsWith(`${docsPrefix}/`) ? href : `${docsPrefix}${href}`;
  })();
  const Wrapper = resolvedHref ? "a" : "div";
  const interactiveClass = resolvedHref ? "waffo-clickable-card" : "";
  return <Wrapper href={resolvedHref} className={`waffo-guide-card waffo-hover-card block rounded-xl border border-slate-200 dark:border-neutral-700 bg-gradient-to-b from-slate-50 to-white dark:from-neutral-900 dark:to-neutral-950 p-6 no-underline ${interactiveClass}`}>
      <div className="flex flex-col items-start gap-3">
        <span className="inline-flex h-10 w-10 items-center justify-center rounded-lg border border-slate-200 dark:border-neutral-700 bg-white dark:bg-neutral-900 text-blue-700 dark:text-[#4D7CFF]">
          <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" strokeLinecap="round" strokeLinejoin="round" aria-hidden="true">
            {icon === "arrow-right" && <path d="M5 12h14M13 5l7 7-7 7" />}
            {icon === "bell" && <path d="M10 21h4M18 8a6 6 0 0 0-12 0c0 7-3 7-3 9h18c0-2-3-2-3-9" />}
            {icon === "code" && <>
                <path d="m16 18 6-6-6-6" />
                <path d="m8 6-6 6 6 6" />
              </>}
            {icon === "globe" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M2 12h20" />
                <path d="M12 2a15.3 15.3 0 0 1 0 20" />
                <path d="M12 2a15.3 15.3 0 0 0 0 20" />
              </>}
            {icon === "gear" && <>
                <circle cx="12" cy="12" r="3" />
                <path d="M19.4 15a1.7 1.7 0 0 0 .3 1.9l.1.1a2 2 0 1 1-2.8 2.8l-.1-.1a1.7 1.7 0 0 0-1.9-.3 1.7 1.7 0 0 0-1 1.6V21a2 2 0 1 1-4 0v-.1a1.7 1.7 0 0 0-1-1.6 1.7 1.7 0 0 0-1.9.3l-.1.1a2 2 0 1 1-2.8-2.8l.1-.1a1.7 1.7 0 0 0 .3-1.9 1.7 1.7 0 0 0-1.6-1H3a2 2 0 1 1 0-4h.1a1.7 1.7 0 0 0 1.6-1 1.7 1.7 0 0 0-.3-1.9l-.1-.1a2 2 0 1 1 2.8-2.8l.1.1a1.7 1.7 0 0 0 1.9.3H9a1.7 1.7 0 0 0 1-1.6V3a2 2 0 1 1 4 0v.1a1.7 1.7 0 0 0 1 1.6 1.7 1.7 0 0 0 1.9-.3l.1-.1a2 2 0 1 1 2.8 2.8l-.1.1a1.7 1.7 0 0 0-.3 1.9v.1a1.7 1.7 0 0 0 1.6 1h.1a2 2 0 1 1 0 4H21a1.7 1.7 0 0 0-1.6 1Z" />
              </>}
            {icon === "shield-check" && <>
                <path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10Z" />
                <path d="m9 12 2 2 4-4" />
              </>}
            {icon === "circle-check" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="m9 12 2 2 4-4" />
              </>}
            {icon === "arrow-trend-up" && <path d="m3 17 6-6 4 4 8-8M14 7h7v7" />}
            {icon === "arrows-rotate" && <>
                <path d="M21 12a9 9 0 0 1-15.5 6.2" />
                <path d="M3 12A9 9 0 0 1 18.5 5.8" />
                <path d="M21 3v6h-6" />
                <path d="M3 21v-6h6" />
              </>}
            {icon === "calendar" && <>
                <rect x="3" y="4" width="18" height="17" rx="2" />
                <path d="M16 2v4M8 2v4M3 10h18" />
              </>}
            {icon === "clock" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M12 6v6l4 2" />
              </>}
            {icon === "desktop" && <>
                <rect x="3" y="4" width="18" height="12" rx="2" />
                <path d="M8 20h8M12 16v4" />
              </>}
            {icon === "calculator" && <>
                <rect x="5" y="2" width="14" height="20" rx="2" />
                <path d="M8 6h8M8 10h.01M12 10h.01M16 10h.01M8 14h.01M12 14h.01M16 14h.01M8 18h.01M12 18h.01M16 18h.01" />
              </>}
            {icon === "plug" && <>
                <path d="M12 22v-5" />
                <path d="M9 8V2" />
                <path d="M15 8V2" />
                <path d="M18 8v5a6 6 0 0 1-12 0V8Z" />
              </>}
            {icon === "gauge" && <>
                <path d="M12 14l4-4" />
                <path d="M3.3 19a10 10 0 1 1 17.4 0" />
              </>}
            {icon === "layer-group" && <>
                <path d="m12 3 9 5-9 5-9-5 9-5Z" />
                <path d="m3 12 9 5 9-5" />
                <path d="m3 16 9 5 9-5" />
              </>}
            {icon === "laptop-mobile" && <>
                <rect x="3" y="4" width="13" height="10" rx="2" />
                <path d="M2 18h12" />
                <rect x="17" y="8" width="5" height="12" rx="1" />
              </>}
            {icon === "paintbrush" && <>
                <path d="m14 5 5 5" />
                <path d="M4 20c2 0 4-1 4-3 0-1.1-.9-2-2-2-2 0-3 2-3 4 0 .6.4 1 1 1Z" />
                <path d="m6 15 9-9a2.1 2.1 0 0 1 3 3l-9 9" />
              </>}
            {icon === "key" && <>
                <circle cx="7.5" cy="14.5" r="4.5" />
                <path d="m11 11 8-8" />
                <path d="m15 7 2 2" />
              </>}
            {icon === "circle-minus" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M8 12h8" />
              </>}
            {icon === "wallet" && <>
                <path d="M3 7h15a3 3 0 0 1 3 3v8a3 3 0 0 1-3 3H3Z" />
                <path d="M3 7V5a2 2 0 0 1 2-2h11" />
                <path d="M16 14h.01" />
              </>}
            {icon === "users" && <>
                <path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2" />
                <circle cx="9" cy="7" r="4" />
                <path d="M22 21v-2a4 4 0 0 0-3-3.9" />
                <path d="M16 3.1a4 4 0 0 1 0 7.8" />
              </>}
            {icon === "link" && <>
                <path d="M10 13a5 5 0 0 0 7.1 0l2-2a5 5 0 0 0-7.1-7.1l-1.1 1.1" />
                <path d="M14 11a5 5 0 0 0-7.1 0l-2 2a5 5 0 0 0 7.1 7.1l1.1-1.1" />
              </>}
            {icon === "eye" && <>
                <path d="M2 12s3.5-7 10-7 10 7 10 7-3.5 7-10 7S2 12 2 12Z" />
                <circle cx="12" cy="12" r="3" />
              </>}
            {icon === "file-lines" && <>
                <path d="M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8Z" />
                <path d="M14 2v6h6" />
                <path d="M8 13h8M8 17h6" />
              </>}
            {icon === "sliders" && <>
                <path d="M4 21v-7M4 10V3M12 21v-9M12 8V3M20 21v-5M20 12V3" />
                <path d="M2 14h4M10 8h4M18 16h4" />
              </>}
            {icon === "folder" && <path d="M3 6a2 2 0 0 1 2-2h5l2 2h7a2 2 0 0 1 2 2v10a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2Z" />}
            {icon === "dollar-sign" && <>
                <path d="M12 2v20" />
                <path d="M17 5H9.5a3.5 3.5 0 0 0 0 7H14a3.5 3.5 0 0 1 0 7H6" />
              </>}
            {icon === "toggle-on" && <>
                <rect x="2" y="7" width="20" height="10" rx="5" />
                <circle cx="16" cy="12" r="3" />
              </>}
            {icon === "infinity" && <path d="M18.2 8.2c2.1 0 3.8 1.7 3.8 3.8s-1.7 3.8-3.8 3.8c-4.2 0-8.2-7.6-12.4-7.6C3.7 8.2 2 9.9 2 12s1.7 3.8 3.8 3.8c4.2 0 8.2-7.6 12.4-7.6Z" />}
            {icon === "book-open" && <>
                <path d="M2 4h7a3 3 0 0 1 3 3v14a3 3 0 0 0-3-3H2Z" />
                <path d="M22 4h-7a3 3 0 0 0-3 3v14a3 3 0 0 1 3-3h7Z" />
              </>}
            {icon === "circle-play" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="m10 8 6 4-6 4Z" />
              </>}
            {icon === "gamepad" && <>
                <rect x="3" y="8" width="18" height="10" rx="5" />
                <path d="M8 13h3M9.5 11.5v3M16 13h.01M18 11h.01" />
              </>}
            {icon === "rocket" && <>
                <path d="M4.5 16.5c-1.5 1.3-2 3.5-2 5 1.5 0 3.7-.5 5-2" />
                <path d="M9 15 4 10l6-6c4-4 9-2 10-1 1 1 3 6-1 10l-6 6-5-5Z" />
                <path d="M15 9h.01" />
              </>}
            {(icon === "flask" || icon === "flask-vial") && <>
                <path d="M9 2v6L4 20a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2L15 8V2" />
                <path d="M8 2h8" />
                <path d="M7 16h10" />
              </>}
            {icon === "credit-card" && <>
                <rect x="3" y="5" width="18" height="14" rx="2" />
                <path d="M3 10h18" />
                <path d="M7 15h4" />
              </>}
            {icon === "puzzle-piece" && <path d="M14 7V4a2 2 0 0 0-2-2H8a2 2 0 0 0-2 2v3H3a1 1 0 0 0-1 1v4a2 2 0 0 0 2 2h2v3a2 2 0 0 0 2 2h4a2 2 0 0 0 2-2v-3h3a2 2 0 0 0 2-2V8a1 1 0 0 0-1-1Z" />}
            {(icon === "arrows-spin" || icon === "repeat") && <>
                <path d="M17 2l4 4-4 4" />
                <path d="M3 11V9a4 4 0 0 1 4-4h14" />
                <path d="M7 22l-4-4 4-4" />
                <path d="M21 13v2a4 4 0 0 1-4 4H3" />
              </>}
            {icon === "coins" && <>
                <ellipse cx="8" cy="7" rx="5" ry="3" />
                <path d="M3 7v6c0 1.7 2.2 3 5 3s5-1.3 5-3V7" />
                <path d="M13 10c2.8 0 5 1.3 5 3v4c0 1.7-2.2 3-5 3-1.2 0-2.3-.2-3.1-.7" />
              </>}
            {icon === "triangle-exclamation" && <>
                <path d="m21.7 18-8-14a2 2 0 0 0-3.4 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.7-3Z" />
                <path d="M12 9v4M12 17h.01" />
              </>}
            {icon === "list" && <>
                <path d="M8 6h13M8 12h13M8 18h13" />
                <path d="M3 6h.01M3 12h.01M3 18h.01" />
              </>}
            {icon === "star" && <path d="m12 2 3.1 6.3 6.9 1-5 4.9 1.2 6.8-6.2-3.3L5.8 21 7 14.2 2 9.3l6.9-1Z" />}
            {(icon === "rotate" || icon === "arrow-rotate-left") && <>
                <path d="M3 12a9 9 0 1 0 3-6.7" />
                <path d="M3 4v6h6" />
              </>}
            {icon === "clock-rotate-left" && <>
                <path d="M3 12a9 9 0 1 0 3-6.7" />
                <path d="M3 4v6h6" />
                <path d="M12 7v5l3 2" />
              </>}
            {icon === "circle-xmark" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="m15 9-6 6M9 9l6 6" />
              </>}
            {icon === "paper-plane" && <path d="m22 2-7 20-4-9-9-4Z" />}
            {icon === "signal" && <>
                <path d="M2 20h.01M7 20v-4M12 20v-8M17 20V8M22 20V4" />
              </>}
            {icon === "circle-question" && <>
                <circle cx="12" cy="12" r="10" />
                <path d="M9.1 9a3 3 0 1 1 5.8 1c0 2-3 2-3 4" />
                <path d="M12 17h.01" />
              </>}
            {icon === "palette" && <>
                <path d="M12 22a10 10 0 1 1 7.5-3.4c-.9 1-2.4.4-2.4-.9 0-1.1-.9-2-2-2h-1.4c-1.2 0-2.2 1-2.2 2.2 0 1.1.9 2.1 2.1 2.1" />
                <circle cx="7.5" cy="10.5" r=".8" />
                <circle cx="12" cy="7.5" r=".8" />
                <circle cx="16.5" cy="10.5" r=".8" />
              </>}
            {(!icon || !["arrow-right", "bell", "code", "globe", "gear", "shield-check", "circle-check", "arrow-trend-up", "arrows-rotate", "calendar", "clock", "desktop", "calculator", "plug", "gauge", "layer-group", "laptop-mobile", "paintbrush", "key", "circle-minus", "wallet", "users", "link", "eye", "file-lines", "sliders", "folder", "dollar-sign", "toggle-on", "infinity", "book-open", "circle-play", "gamepad", "rocket", "flask", "flask-vial", "credit-card", "puzzle-piece", "arrows-spin", "repeat", "coins", "triangle-exclamation", "list", "star", "rotate", "arrow-rotate-left", "clock-rotate-left", "circle-xmark", "paper-plane", "signal", "circle-question", "palette"].includes(icon)) && <path d="M13 2 4 14h7l-1 8 9-12h-7l1-8Z" />}
          </svg>
        </span>
        <div className="flex flex-col gap-2">
          <h4 className="m-0 text-base font-semibold text-slate-900 dark:text-slate-100">
            {title}
          </h4>
          <div className="m-0 text-sm leading-6 text-slate-600 dark:text-slate-300">
            {children}
          </div>
        </div>
      </div>
    </Wrapper>;
};

The Waffo Merchant Portal is a one-stop, secure, and intelligent payment management platform designed for cross-border enterprises. It serves as your control center, empowering global expansion, refined operations, and fund visibility. No matter where you are, you can manage the entire process from transaction acceptance to account configuration in real-time.

## Key solutions

<CardGroup cols={2}>
  <Card title="Complex management" icon="layer-group">
    Manage transactions, settlements, and configurations in one platform without switching systems.
  </Card>

  <Card title="Fund blind spots" icon="wallet">
    Eliminate anxiety over "where the money is and when it arrives" with settlement estimations and calendars.
  </Card>

  <Card title="Conversion bottlenecks" icon="arrow-trend-up">
    Pinpoint drop-off points using funnel analysis to optimize revenue.
  </Card>

  <Card title="Collaboration chaos" icon="users">
    Enable teams to work efficiently through granular access control.
  </Card>
</CardGroup>

## Home & Operations

This is your "all-in-one center" for daily work, driving business decisions through data.

### Home: the "real-time monitor" of business pulse

* **Dynamic Dashboard:** Displays trends for Payments and Refunds over the last 15 days by default.
* **Multi-dimensional View:** Supports aggregated views of transaction counts and amounts across different currencies.
* **Value:** Eliminates information lag for operators, allowing immediate grasp of performance fluctuations and rapid strategy adjustment through refund trend monitoring.

<Frame>
  <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-portal/home-dashboard.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=f729fce0fbf854942d4e91981fc84d61" alt="Waffo Merchant Portal Home dashboard showing payment and refund trends with multi-currency support" width="1068" height="638" data-path="images/essentials/merchant-portal/home-dashboard.png" />
</Frame>

### Transaction management: traceability & analytics

* **Deep Retrieval & Export:** Filter documents by status, time, and payment method across multiple dimensions, with one-click CSV export for offline analysis.
* **Payment Analytics:** Visualize success rates, checkout conversion rates, and payment conversion rates with trend charts and failure analysis.
* **Disputes:** Centralized display of credit card chargeback cases. The system provides "to-do" reminders and online evidence submission to help merchants recover funds efficiently.

<Frame>
  <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-portal/payment-analytics.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=df8b62b65e6d433288c3a191043c8aff" alt="Waffo Payment Analytics dashboard showing success rate, checkout conversion rate, and failure analysis breakdown" width="1068" height="638" data-path="images/essentials/merchant-portal/payment-analytics.png" />
</Frame>

## Subscription: the "automatic deposit" for recurring business

Manage the full lifecycle of recurring billing — from plan creation to renewal tracking.

### Subscription management

* **Subscription Tracking:** View active, paused, and cancelled subscriptions with filtering by plan, status, and billing cycle.
* **Plan Configuration:** Define subscription intervals (daily, weekly, monthly, annual) and pricing tiers for different customer segments.
* **Note:** Subscription billing is automatically retried on failure. Configure retry logic and dunning settings in the portal.

## Settlement & Payout

Creating a "Settlement Map" for financial reconciliation and a "Control Tower" for fund flow.

### Settlement management: removing the "black box"

* **Settlement Calendar:** Visually maps "which days' revenue will arrive on which day" and automatically marks the impact of public holidays.
* **Settlement Estimation:** Scientifically predicts the specific arrival amount of future funds based on current unsettled orders to assist in cash flow planning.
* **Batch Reconciliation:** Provides daily aggregated entry summaries linked to underlying transaction details, achieving precise matching with bank statements and significantly shortening monthly reconciliation time.

<Frame>
  <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-portal/settlement-calendar.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=d56d12e583280efbdeda5033dbd4f67c" alt="Waffo Settlement Calendar showing transaction periods, scheduled settlement dates, and holiday markers across multiple countries" width="1068" height="638" data-path="images/essentials/merchant-portal/settlement-calendar.png" />
</Frame>

### Accounts & payouts: flexible fund flow

* **Self-service Withdrawal:** Initiate payouts to registered bank accounts on demand, with configurable minimum thresholds and approval workflows.
* **Merchant Balance:** View real-time balance across currencies and track historical withdrawal transactions.
* **Batch Payouts:** Upload batch payout files to pay multiple recipients simultaneously. Download templates for IDN and PHL markets directly from the portal.

<Frame>
  <img src="https://mintcdn.com/waffo-docs/Pi4mlrktV3FjQDJZ/images/essentials/merchant-portal/payout-history.png?fit=max&auto=format&n=Pi4mlrktV3FjQDJZ&q=85&s=64fe7083a2441ef58e6685ec1a1fb180" alt="Waffo Payout History showing single payouts list with payout request IDs, payment methods, recipient accounts, and amounts" width="1068" height="638" data-path="images/essentials/merchant-portal/payout-history.png" />
</Frame>

## Settings & Security

A "Toolbox" for technical management to ensure enterprise-level security and compliance.

### Integration & environments

* **Dual-Environment Isolation:** Provides **Live (Production)** and **Sandbox** environments. Test data and operational data are strictly isolated to protect business security.
* **Developer Resources:** One-stop access to API Keys (public/private keys) and Webhook configurations to shorten system integration cycles.

### Team permissions (RBAC)

* **Member Management (Operators):** Facilitates the invitation of team members and the assignment of predefined roles.

Roles available in the portal:

| Role                | Permissions                                                                             |
| ------------------- | --------------------------------------------------------------------------------------- |
| **Admin**           | Full management permissions.                                                            |
| **General**         | Daily payment operations, financial reconciliation, and withdrawal operations.          |
| **Dispute Manager** | Manage and respond to chargeback cases.                                                 |
| **Dev**             | Specifically designed for technical teams to focus on system integration and debugging. |

<Note>
  **Value:** Ensures that customer service can only view data and cannot move funds, achieving enterprise-level internal control.
</Note>

## Frequently asked questions

<AccordionGroup>
  <Accordion title="How do I start trying the Waffo Portal?">
    You can contact a sales consultant for Demo Data to experience a full-function simulation, or [register on Waffo.com](https://dashboard-sandbox.waffo.com/auth/sign-up) to immediately open a test account (Sandbox) for quick API integration.
  </Accordion>

  <Accordion title="Is &#x22;Settlement Estimation&#x22; accurate?">
    Yes, it is highly reliable. The system calculates expected arrival dates for unsettled funds in real-time based on your contracted cycle (e.g., T+2, T+7) and global bank holiday data.
  </Accordion>

  <Accordion title="What should I do if I encounter a Chargeback?">
    Immediately go to the Transaction > Disputes module. The system will show pending cases and deadlines. Simply upload logistics proof or communication records as prompted, and Waffo will automatically submit the appeal to the card organization.
  </Accordion>

  <Accordion title="Why can't I see the &#x22;Withdraw&#x22; or &#x22;API Key&#x22; buttons?">
    This is due to permission controls. If your role is Read-only or Dispute Manager, sensitive fund operations and technical configurations are hidden. Please contact your Admin to adjust your permissions.
  </Accordion>
</AccordionGroup>

***

Need help? [Contact support](mailto:support@waffo.com)