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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.

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Overview

Providing automated, high-success-rate billing solutions for recurring payment scenarios. Through a mechanism of “one-time authorization, multiple automated deductions,” we support flexible billing cycle configurations and smart retries. This helps merchants achieve sustained growth in subscription revenue while optimizing the user experience.
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What is Subscription Payment?

Subscription Payment, also known as automatic billing or recurring billing, is a payment model where users sign an agreement/authorization during the initial payment, and the system automatically initiates deductions based on an agreed cycle (e.g., weekly/monthly/yearly). By automating the “payment action,” it significantly reduces the friction of renewal operations, serving as the core infrastructure for SaaS services, streaming memberships, and content monetization businesses.

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Core capabilities

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Use cases

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Supported payment methods

Through Waffo, you can access mainstream payment methods that support “Credentials on File” and “Merchant Initiated Transactions (MIT).” Bank Cards (Credit/Debit Cards)
Key security features for bank cards:
  • Tokenization Security — A token is created upon the first payment. Subsequent deductions use MIT (Merchant Initiated Transaction) mode, requiring no CVV re-entry.
  • 3DS Smart Verification — Mandatory 3DS verification for the initial signing ensures legal authorization, while subsequent auto-debits are exempted to balance security and experience.
  • Auto-Update — Supports VAU (Visa Account Updater) and ABU (Automatic Billing Updater).
Digital Wallets
  • Native Experience — Utilize device biometrics for the initial authorization, providing a frictionless user experience.
  • Token Status Awareness — Receive real-time notifications on token status changes (e.g., updates, suspensions, restorations) to maintain subscription continuity.
Local Payment Methods
Supports subscription binding and auto-debit capabilities, aligning with local user habits. View full list of supported payment methods →

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Subscription models & experience

Waffo Subscription Payment offers flexible business model configurations to adapt to different commercial strategies.

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Core business models

You can select the subscription model via the Dashboard or API:

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Trial & promotion configuration

Free Trials

Supports 0-amount pre-authorization (immediately reversed after verifying card validity) to lower the barrier to entry.

Discounted Trials

Supports setting special prices for the first N periods, automatically reverting to the original price thereafter.

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Deduction & retry logic

The system automatically handles the billing flow to maximize success and minimize manual intervention. Billing Flow
1

Expiry Detection

The system detects when a billing cycle is due and prepares the deduction task.
2

Generate MIT Order

A Merchant Initiated Transaction order is created using the stored payment credentials.
3

Initiate Deduction

The deduction is submitted to the payment network for processing.
4

Success notification / Failure retry

On success, a confirmation notification is sent. On failure, the retry strategy is triggered.
Failure Handling

Default strategy retries 24 hours after failure, and again 48 hours later (parameters configurable). Supports triggering automatic payment failure notifications via email to guide users to update their payment method.

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Integration

We provide multiple integration methods to help you seamlessly embed subscription capabilities into your business system.

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Hosted checkout

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API integration

The following core APIs are available for subscription management:
EndpointDescription
POST /api/v1/subscription/createCreate subscription order, initiate signing.
POST /api/v1/subscription/cancelCancel subscription.
POST /api/v1/subscription/changeSupport plan upgrades/downgrades.
Complete control over the frontend interaction flow; use Webhooks to handle subsequent logic. View Subscription Payment API documentation →

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Security & compliance

Waffo follows global financial data security standards to ensure the safety of recurring billing.

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Frequently asked questions

For “Free Trial” scenarios, the system needs to verify the validity of the payment method. We initiate a 0-amount pre-authorization (Verify). If certain banks do not support this, the system automatically degrades to a low-amount (e.g., 1 unit) authorization and immediately voids/reverses it to ensure the user’s card is real and valid.
Under the default strategy, the system automatically retries 24 hours after the 1st failure, and again 48 hours after the 2nd failure. After the 3rd failure, the subscription is frozen, and the service is suspended. You can customize the maximum retry count and time intervals in the Dashboard.
The system integrates Visa Account Updater and Mastercard Automatic Billing Updater. When a user’s card expires or is replaced/lost, the card network automatically syncs the new card information to us. This ensures your subscription billing is not interrupted by card expiration, requiring no manual intervention from the user.
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