Simplify global selling.
Waffo Pancake acts as the seller of record for every transaction, handling tax collection, compliance, invoicing, and consumer protection on behalf of the merchant.
Global payment
Local acquiring, smart retries, and the payment methods buyers already reach for in their own market.
Tax collection and remittance
We work out what is owed where the buyer is, collect it at checkout, and file it under our own registrations.
Fraud and risk protection
Every order is screened before it settles, and the liability sits with Waffo as the seller of record.
Dispute handling
The dispute lands with us. We assemble the evidence and represent the transaction end to end.
Customer support
Buyers come to us for receipts, refunds, and billing questions. Your inbox stays out of it.
The legal seller, not just a payment rail.
A PSP only moves the money — shipping, tax, and chargebacks stay on you. Waffo is the seller on the invoice — the liability for every transaction stops at us by contract.
Seven things we handle for you.
Without an MoR, you either build it yourself, pay someone to build it, or eat the loss when something breaks. With Waffo Pancake, you don't have to.
- 01Core
Sales tax · VAT · GST
Calculated at checkout, collected with the price, remitted to 47 tax authorities, filed quarterly.
- 02
FX & settlement
Customers pay in 135 currencies. You settle in USD/EUR/GBP/JPY or local currency at the true rate, no markup.
- 03
Legal entity
Waffo holds every entity and tax registration needed to sell abroad. You don't need to incorporate in another country or maintain local compliance.
- 04
Fraud protection
Adaptive risk scoring on every transaction. 0.18% fraud rate vs the industry's 0.6%.
- 05
Global cards & wallets
Visa · Mastercard · Apple Pay · Google Pay across 173 countries — one integration.
- 06
Invoices & receipts
Compliant invoices auto-generated, localized in 9 languages.
- 07
Pricing currencies
Price in 5 currencies — USD, EUR, GBP, JPY, HKD. You settle at the true rate, no markup.
PSPs move money. Waffo sells for you.
With a PSP alone, you're still the legal seller — tax calculation, filing, chargeback disputes, and compliance audits are all your responsibility. With Waffo Pancake, we become the merchant of record and all of that transfers to us.
| Responsibility | MoR | PSP |
|---|---|---|
| Payment processing | Yes | Yes |
| Tax calculation | Yes | No |
| Tax collection & remittance | Yes | No |
| Legal seller of record | Waffo | Seller's burden |
| Tax filing liability | Waffo | Seller's burden |
| Chargeback dispute handling | Yes | No |
| Audit liability | Waffo | Seller's burden |
We handle the compliance. You get the money.
Once a charge clears, the net amount lands in your account balance — already net of tax and fees. Connect a bank account or Alipay and we'll move funds to you on a schedule that fits your cash flow.
- Payouts to local bank or Alipay — no business entity required
- Multi-currency settlement with transparent FX
- Live balance view: gross, fees, tax, net — per transaction
- Gross$48,290
- Fee−$2,150
- Tax−$1,690
- Net$44,450
- $12,800.00Bank transferJun 10Paid
- $8,200.00¥59,860 CNY · 7.30 CNY per USDAlipayJun 07Paid
- $3,840.00Bank transferJun 12Processing
Companies go live on Waffo. Developers start on Pancake.
Two paths, one promise: you build the product, Waffo runs the payments.