> ## 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.

# 订阅与定期扣款

> 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。

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>;
};

export const PM = {
  VISA: {
    alt: "Visa",
    src: "https://cdn.waffo.com/payment-method/PMI_CC001.png"
  },
  MASTERCARD: {
    alt: "Mastercard",
    src: "https://cdn.waffo.com/payment-method/PMI_CC008.png"
  },
  JCB: {
    alt: "JCB",
    src: "https://cdn.waffo.com/payment-method/PMI_CC068.png"
  },
  UNIONPAY: {
    alt: "UnionPay",
    src: "https://cdn.waffo.com/payment-method/PMI_CC762.png"
  },
  AMEX: {
    alt: "American Express",
    src: "https://cdn.waffo.com/payment-method/PMI_CC015.png"
  },
  BANCONTACT: {
    alt: "Bancontact",
    src: "/images/essentials/one-time-payment/bancontact-logo.svg"
  },
  APPLE_PAY: {
    alt: "Apple Pay",
    src: "https://cdn-dev.waffo.com/payment-method/PMI_155.png"
  },
  GOOGLE_PAY: {
    alt: "Google Pay",
    src: "https://cdn-dev.waffo.com/payment-method/PMI_161.png"
  },
  WECHAT_PAY: {
    alt: "WeChat Pay",
    src: "https://cdn.waffo.com/payment-method/PMI_170.png"
  },
  ALIPAY: {
    alt: "Alipay",
    src: "https://cdn.waffo.com/payment-method/PMI_168.png"
  },
  DANA: {
    alt: "DANA",
    src: "https://cdn.waffo.com/payment-method/PMI_001.png"
  },
  PAYPAY: {
    alt: "PayPay",
    src: "https://cdn.waffo.com/payment-method/PMI_247.png"
  },
  ZALOPAY: {
    alt: "ZaloPay",
    src: "https://cdn.waffo.com/payment-method/PMI_084.png"
  },
  PIX: {
    alt: "PIX",
    src: "https://cdn.waffo.com/payment-method/PMI_040.png"
  },
  BANK_LOCAL_SEPA: {
    alt: "SEPA",
    src: "/images/essentials/one-time-payment/SEPA.png"
  },
  BANK_LOCAL_IDEAL: {
    alt: "iDEAL",
    src: "/images/essentials/one-time-payment/ideal.png"
  },
  BANK_LOCAL_BANCONTACT: {
    alt: "Bancontact",
    src: "/images/essentials/one-time-payment/Bancontact.png"
  },
  BANK_LOCAL_MORE: {
    alt: "More payment methods",
    src: "/images/essentials/one-time-payment/Payment%20logo.png"
  },
  LOCAL_PAYMENT: {
    alt: "Local Payment",
    src: "/images/essentials/one-time-payment/bank-transfer-2.svg"
  }
};

export const CheckoutFeatures = ({scenarioLabel = "Scenario:", scenarioText = ""}) => {
  const [language, setLanguage] = useState("en");
  useEffect(() => {
    const pathname = window.location.pathname;
    if (pathname.startsWith("/zh/")) setLanguage("zh"); else if (pathname.startsWith("/ja/")) setLanguage("ja"); else setLanguage("en");
  }, []);
  const alt = {
    en: {
      checkout: "Hosted checkout: users are redirected to Waffo's secure checkout page to complete the initial signing payment",
      seamless: "Seamless handling for zero-amount authorization and first-period payment logic",
      customization: "Checkout customization: supports brand logo and payment page colors"
    },
    zh: {
      checkout: "托管收银台：用户跳转到 Waffo 安全收银台完成首次签约支付",
      seamless: "无缝处理零金额预授权和首期扣款逻辑",
      customization: "收银台品牌定制：支持品牌 Logo 和页面颜色配置"
    },
    ja: {
      checkout: "ホスト型Checkout: ユーザーはWaffoの安全なCheckoutページで初回契約決済を完了します",
      seamless: "ゼロ金額承認と初回決済ロジックをシームレスに処理します",
      customization: "Checkoutのブランドカスタマイズ: ロゴとページカラーに対応します"
    }
  };
  const copy = alt[language] || alt.en;
  return <div className="not-prose mt-4 flex flex-col gap-3">
      {scenarioText && <p className="mb-1 text-sm leading-6 text-slate-500 dark:text-slate-300">
          <span className="font-semibold text-slate-700 dark:text-slate-100">
            {scenarioLabel}
          </span>{" "}
          {scenarioText}
        </p>}

      <div className="overflow-hidden rounded-2xl border border-slate-200 bg-white shadow-sm dark:border-neutral-700 dark:bg-neutral-900">
        <img src="/docs/images/essentials/subscription-recurring/checkout-integration/panel-checkout.png?v=20260429-1618" alt={copy.checkout} className="my-0 block w-full" />
      </div>

      <div className="grid gap-3 md:grid-cols-2">
        <div className="overflow-hidden rounded-2xl border border-slate-200 bg-white shadow-sm dark:border-neutral-700 dark:bg-neutral-900">
          <img src="/docs/images/essentials/subscription-recurring/checkout-integration/panel-seamless.png?v=20260429-1618" alt={copy.seamless} className="my-0 block w-full" />
        </div>
        <div className="overflow-hidden rounded-2xl border border-slate-200 bg-white shadow-sm dark:border-neutral-700 dark:bg-neutral-900">
          <img src="/docs/images/essentials/subscription-recurring/checkout-integration/panel-customization.png?v=20260429-1618" alt={copy.customization} className="my-0 block w-full" />
        </div>
      </div>
    </div>;
};

export const SubscriptionModelsTable = () => {
  const getCurrentLanguage = () => {
    if (typeof window === "undefined") return "en";
    const pathname = window.location.pathname.replace(/^\/docs(?=\/|$)/, "");
    const firstSegment = pathname.split("/").filter(Boolean)[0];
    const htmlLanguage = document.documentElement.lang?.toLowerCase() || "";
    if (firstSegment === "zh" || htmlLanguage.startsWith("zh")) return "zh";
    if (firstSegment === "ja" || htmlLanguage.startsWith("ja")) return "ja";
    return "en";
  };
  const [isDark, setIsDark] = useState(false);
  const [language, setLanguage] = useState(getCurrentLanguage);
  useEffect(() => {
    const check = () => setIsDark(document.documentElement.classList.contains("dark"));
    check();
    const observer = new MutationObserver(check);
    observer.observe(document.documentElement, {
      attributes: true,
      attributeFilter: ["class"]
    });
    return () => observer.disconnect();
  }, []);
  useEffect(() => {
    setLanguage(getCurrentLanguage());
  }, []);
  const copy = {
    en: {
      mechanism: "Mechanism",
      bestFor: "Best for",
      models: [{
        label: "A",
        name: "Service-First",
        tagline: "Prioritize service continuity; tolerate payment latency.",
        gradientFrom: "rgba(25,87,255,0.12)",
        badgeDarkBg: "#172554",
        badgeDarkBorder: "#1d4ed8",
        mechanism: 'If the current deduction fails, the service is not interrupted. The next deduction is created as planned; "concurrent billing cycles" (accumulated bills) are allowed.',
        bestFor: "Video streaming, SaaS software, and services focused on user retention."
      }, {
        label: "B",
        name: "Payment-First",
        tagline: 'Strictly "pay before service"; zero tolerance for arrears.',
        gradientFrom: "rgba(65,183,163,0.12)",
        badgeDarkBg: "#064e3b",
        badgeDarkBorder: "#047857",
        mechanism: "If the current deduction fails, service is suspended and future billing tasks pause until payment succeeds.",
        bestFor: "Physical subscription boxes, game items, and cost-sensitive businesses."
      }]
    },
    zh: {
      mechanism: "扣款机制",
      bestFor: "适用场景",
      models: [{
        label: "A",
        name: "服务优先型",
        tagline: "优先保障服务连续性；可容忍扣款延迟。",
        gradientFrom: "rgba(25,87,255,0.12)",
        badgeDarkBg: "#172554",
        badgeDarkBorder: "#1d4ed8",
        mechanism: "当期扣款失败时，服务不中断。下期扣款按原计划创建，并允许“多期账单并存”。",
        bestFor: "视频流媒体、SaaS 软件，以及更关注用户留存的服务。"
      }, {
        label: "B",
        name: "支付优先型",
        tagline: "严格遵循“先付款后服务”；零欠费容忍。",
        gradientFrom: "rgba(65,183,163,0.12)",
        badgeDarkBg: "#064e3b",
        badgeDarkBorder: "#047857",
        mechanism: "当前周期扣款失败时立即暂停服务，并停止生成后续扣款任务，直到支付成功。",
        bestFor: "实物订阅盒、游戏道具，以及成本敏感型业务。"
      }]
    },
    ja: {
      mechanism: "仕組み",
      bestFor: "適した用途",
      models: [{
        label: "A",
        name: "サービス優先型",
        tagline: "サービス継続を優先し、決済遅延を許容します。",
        gradientFrom: "rgba(25,87,255,0.12)",
        badgeDarkBg: "#172554",
        badgeDarkBorder: "#1d4ed8",
        mechanism: "当期の引き落としに失敗してもサービスは中断されません。次回の引き落としは予定どおり作成され、複数の請求が並存することを許容します。",
        bestFor: "動画配信、SaaS ソフトウェア、ユーザー維持を重視するサービス。"
      }, {
        label: "B",
        name: "決済優先型",
        tagline: "「支払い後にサービス提供」を厳格に適用し、未払いを許容しません。",
        gradientFrom: "rgba(65,183,163,0.12)",
        badgeDarkBg: "#064e3b",
        badgeDarkBorder: "#047857",
        mechanism: "当期の引き落としに失敗した場合、サービスを停止し、支払いが成功するまで後続の請求タスクも停止します。",
        bestFor: "物理的なサブスクリプションボックス、ゲームアイテム、コスト感度の高い事業。"
      }]
    }
  };
  const content = copy[language] || copy.en;
  return <div className="flex flex-col gap-6 w-full mt-2 md:flex-row">
      {content.models.map(m => <div key={m.label} className="waffo-hover-card subscription-model-card flex-1 flex flex-col rounded-xl border border-slate-200 dark:border-neutral-700 overflow-hidden" style={{
    background: `linear-gradient(to bottom, ${m.gradientFrom} 0%, rgba(255,255,255,0) 100%)`
  }}>
          <div className="flex flex-col gap-3 px-6 pt-6 pb-4">
            <div className="flex items-center gap-2">
              <div className="w-[42px] h-[42px] rounded-full border flex items-center justify-center text-white font-semibold text-base shrink-0" style={{
    backgroundColor: isDark ? m.badgeDarkBg : "#0f172a",
    borderColor: isDark ? m.badgeDarkBorder : "transparent"
  }}>
                {m.label}
              </div>
              <span className="text-slate-900 dark:text-slate-100 font-semibold text-lg">
                {m.name}
              </span>
            </div>
            <p className="text-slate-500 dark:text-slate-300 text-sm leading-5">{m.tagline}</p>
          </div>
          <div className="flex flex-col gap-4 mx-4 mb-6 px-5 py-4 rounded-xl border border-white dark:border-neutral-700 bg-white/80 dark:bg-neutral-900/80">
            <div className="flex flex-col gap-1">
              <p className="text-slate-900 dark:text-slate-100 font-semibold text-sm">{content.mechanism}</p>
              <p className="text-slate-500 dark:text-slate-300 text-sm leading-5">{m.mechanism}</p>
            </div>
            <div className="flex flex-col gap-1">
              <p className="text-slate-900 dark:text-slate-100 font-semibold text-sm">{content.bestFor}</p>
              <p className="text-slate-500 dark:text-slate-300 text-sm leading-5">{m.bestFor}</p>
            </div>
          </div>
        </div>)}
    </div>;
};

## 概述

为周期性支付场景提供自动化、高成功率的扣款解决方案。通过“单次授权，多次自动扣款”的机制，我们支持灵活的账单周期配置与智能重试，帮助商户在优化用户体验的同时，实现订阅收入的持续增长。

<div className="flex gap-4 mt-2 mb-2">
  <a href="/docs/docs/zh/developer-docs/getting-started/overview" className="inline-flex items-center gap-2 px-6 py-2 rounded-lg text-white text-base font-medium no-underline bg-primary hover:opacity-90">
    开始集成 →
  </a>

  <a href="mailto:support@waffo.com" className="inline-flex items-center px-4 py-2 rounded-lg border border-slate-200 bg-white text-slate-600 text-base font-medium no-underline hover:bg-slate-50 dark:border-neutral-700 dark:bg-neutral-800 dark:text-slate-300 dark:hover:bg-neutral-700">
    联系销售
  </a>
</div>

***

## 什么是订阅支付？

**订阅支付**，也称为自动扣款或循环扣款，是一种支付模式：用户在首次支付时签署协议/授权，系统会根据约定的周期（例如按周/按月/按年）自动发起扣款。

通过自动化“支付动作”，它能显著降低续费操作的摩擦，是 SaaS 服务、流媒体会员以及内容变现业务的核心基础设施。

## 核心能力

<CardGroup cols={2}>
  <Card title="灵活的计费周期" icon="calendar">
    支持标准（每周、每月、每季度、每年）及自定义天数间隔，满足多样化业务需求。
  </Card>

  <Card title="智能重试机制" icon="rotate-right">
    内置可配置的重试策略（例如 24h/48h 间隔），通过对失败代码的详细分析优化成功率。
  </Card>

  <Card title="全生命周期管理" icon="clock">
    提供从订阅创建、试用期（免费/折扣）、自动扣款、升/降级到取消的完整管理能力。
  </Card>

  <Card title="账户更新器" icon="arrows-rotate">
    集成 VAU/ABU 服务。当用户的卡片到期或更换时，自动更新卡片信息以保持订阅连续性。
  </Card>
</CardGroup>

***

## 使用场景

<CardGroup cols={2}>
  <Card title="流媒体服务" icon="circle-play">
    面向视频和音乐平台的月度/年度自动续费。
  </Card>

  <Card title="SaaS 软件" icon="desktop">
    面向办公工具和效率软件的定期订阅计费。
  </Card>

  <Card title="内容变现" icon="book-open">
    面向知识专栏和在线课程的会员服务。
  </Card>

  <Card title="游戏订阅" icon="gamepad">
    面向月卡、赛季通行证和游戏道具的自动续费。
  </Card>
</CardGroup>

***

## 支持的支付方式

通过 Waffo，您可以接入支持“卡信息留存（Credentials on File）”和“商户发起交易（MIT）”的主流支付方式。

**银行卡（信用卡/借记卡）**

<div className="flex flex-wrap gap-2 p-4 border border-slate-200 dark:border-neutral-700 rounded-xl bg-gradient-to-t from-slate-50 to-white dark:from-neutral-900 dark:to-neutral-800 mb-4">
  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.JCB.src} alt={PM.JCB.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>

  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.VISA.src} alt={PM.VISA.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>

  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.MASTERCARD.src} alt={PM.MASTERCARD.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>
</div>

银行卡的关键安全特性：

* **Tokenization 安全** — 首次支付时生成 Token。后续扣款使用 MIT（商户发起交易）模式，无需再次输入 CVV。
* **3DS 智能验证** — 首次签约强制进行 3DS 验证，确保合法授权；后续自动扣款可豁免，以平衡安全与体验。
* **自动更新** — 支持 VAU（Visa Account Updater）和 ABU（Automatic Billing Updater）。

**数字钱包**

<div className="flex flex-wrap gap-2 p-4 border border-slate-200 dark:border-neutral-700 rounded-xl bg-gradient-to-t from-slate-50 to-white dark:from-neutral-900 dark:to-neutral-800 mb-4">
  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.APPLE_PAY.src} alt={PM.APPLE_PAY.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>

  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.GOOGLE_PAY.src} alt={PM.GOOGLE_PAY.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>
</div>

* **原生体验** — 首次授权使用设备生物识别，带来无摩擦的用户体验。
* **Token 状态感知** — 实时接收 Token 状态变更通知（例如更新、暂停、恢复），以保障订阅连续性。

**本地支付方式**

<div className="flex flex-wrap gap-2 p-4 border border-slate-200 dark:border-neutral-700 rounded-xl bg-gradient-to-t from-slate-50 to-white dark:from-neutral-900 dark:to-neutral-800 mb-4">
  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.PAYPAY.src} alt={PM.PAYPAY.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>

  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.PIX.src} alt={PM.PIX.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>

  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.ZALOPAY.src} alt={PM.ZALOPAY.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>

  <span className="inline-flex items-center justify-center w-[42px] h-7 border border-slate-200 dark:border-neutral-300 rounded bg-white dark:bg-white">
    <img src={PM.DANA.src} alt={PM.DANA.alt} style={{width:"auto", height:"100%", objectFit:"contain"}} />
  </span>
</div>

支持订阅绑定与自动扣款能力，契合本地用户习惯。

[查看支持的支付方式完整列表 →](/docs/zh/essentials/payment-methods)

***

## 订阅模式与体验

Waffo Subscription Payment 提供灵活的商业模式配置，以适应不同的商业策略。

### 核心商业模式

您可以通过 Dashboard 或 API 选择订阅模式：

<SubscriptionModelsTable />

***

## 试用与促销配置

<div className="bg-slate-50 dark:bg-neutral-900 border-l-4 border-slate-400 dark:border-blue-500 px-6 py-4 mb-3 rounded-r-lg">
  <p className="text-slate-900 dark:text-slate-100 font-medium mb-1 mt-0">免费试用</p>
  <p className="text-slate-600 dark:text-slate-300 text-sm my-0">支持 0 金额预授权（在验证银行卡有效性后立即撤销），以降低入门门槛。</p>
</div>

<div className="bg-slate-50 dark:bg-neutral-900 border-l-4 border-slate-400 dark:border-blue-500 px-6 py-4 rounded-r-lg">
  <p className="text-slate-900 dark:text-slate-100 font-medium mb-1 mt-0">折扣试用</p>
  <p className="text-slate-600 dark:text-slate-300 text-sm my-0">支持为前 N 个周期设置特价，之后自动恢复为原价。</p>
</div>

***

## 扣款与重试逻辑

系统会自动处理计费流程，以最大化成功率并尽量减少人工介入。

**计费流程**

<Steps>
  <Step title="到期检测">
    系统检测计费周期到期时间，并准备扣款任务。
  </Step>

  <Step title="生成 MIT 订单">
    使用已存储的支付凭证创建 Merchant Initiated Transaction 订单。
  </Step>

  <Step title="发起扣款">
    将扣款请求提交至支付网络进行处理。
  </Step>

  <Step title="成功通知 / 失败重试">
    成功时发送确认通知；失败时触发重试策略。
  </Step>
</Steps>

<Danger>
  **失败处理**
  <p>默认策略在失败后 24 小时重试，并在 48 小时后再次重试（参数可配置）。支持通过邮件触发自动支付失败通知，引导用户更新其支付方式。</p>
</Danger>

***

## 集成

我们提供多种集成方式，帮助您将订阅能力无缝嵌入业务系统。

### 收银台集成

<CheckoutFeatures scenarioLabel="适用场景：" scenarioText="开发资源有限，希望快速上线订阅功能。" />

### API 集成

<CardGroup cols={1}>
  <Card title="适用场景" icon="code">
    需要深度定制 UI 的大型企业，或有特殊业务逻辑需求。
  </Card>
</CardGroup>

以下核心 API 可用于订阅管理：

| Endpoint                           | 描述           |
| ---------------------------------- | ------------ |
| `POST /api/v1/subscription/create` | 创建订阅订单，发起签约。 |
| `POST /api/v1/subscription/cancel` | 取消订阅。        |
| `POST /api/v1/subscription/change` | 支持套餐升级/降级。   |

调用 `POST /api/v1/subscription/create` 时，每个订阅都必须传入 `subscriptionManagementUrl`。该 URL 应指向你的已鉴权订阅管理页面。

完全控制前端交互流程，通过 Webhook 接收通知处理后续逻辑。

[查看订阅支付 API 文档 →](/docs/api-reference/zh/introduction)

***

## 安全与合规

Waffo 遵循全球金融数据安全标准，确保周期性扣款的安全。

<CardGroup cols={3}>
  <Card title="Token 化存储" icon="shield-check">
    加密存储用户卡号，所有周期扣款基于 Token 进行，降低数据泄露风险。
  </Card>

  <Card title="合规交易标记" icon="badge-check">
    严格遵循卡组织规范，区分 CIT（用户发起）与 MIT（商户发起）交易标记，确保扣款合规且成功率符合预期。
  </Card>

  <Card title="风险控制" icon="shield-exclamation">
    内置风控规则，针对高频试用滥用和异常大额订阅进行实时拦截。
  </Card>
</CardGroup>

***

## 常见问题

<AccordionGroup>
  <Accordion title="0 元预授权验证是什么？">
    对于"免费试用"场景，系统需验证支付方式的有效性。我们会发起一笔 0 元预授权（Verify），若部分银行不支持，系统会自动降级为小额（如 1 元）预授权并立即撤销，确保用户卡片真实有效。
  </Accordion>

  <Accordion title="支付失败的重试机制如何工作？">
    默认策略下，第 1 次失败 24 小时后自动重试，第 2 次失败 48 小时后再次重试，第 3 次失败后将冻结订阅并暂停服务。您可以在后台自定义最大重试次数和时间间隔。
  </Accordion>

  <Accordion title="如何处理银行卡信息变更（如过期、换卡）？">
    系统集成了 Visa Account Updater 和 Mastercard Automatic Billing Updater。当用户的卡片到期或挂失换卡后，卡组织会自动将新卡信息同步给我们，确保您的订阅扣款不会因卡片过期而中断，无需用户手动干预。
  </Accordion>
</AccordionGroup>

***

需要帮助？[联系支持](mailto:support@waffo.com)