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.
Get startedThe 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.
- 01
Sales tax · VAT · GST
Calculated at checkout, collected with the price, remitted to 47 tax authorities, filed quarterly.
- 02
Global cards & wallets
Visa · Mastercard · Apple Pay · Google Pay across 173 countries — one integration.
- 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
Pricing currencies
Price in 5 currencies — USD, EUR, GBP, JPY, HKD. You settle at the true rate, no markup.
- 05
FX & settlement
Customers pay in 135 currencies. You settle in USD/EUR/GBP/JPY or local currency at the true rate, no markup.
- 06
Invoices & receipts
Compliant invoices auto-generated, localized in 9 languages.
- 07
Fraud protection and disputes
Adaptive risk scoring on every transaction. 0.18% fraud rate vs the industry's 0.6%. When a dispute does land, it lands with us — we assemble the evidence and represent the transaction end to end.
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 | MoRWe become the legal seller. Tax, disputes and audits transfer to us. | PSPMoves the money only. You remain the legal seller. |
|---|---|---|
| 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.
- Multi-currency settlement with transparent FX
- Live balance view: gross, fees, tax, net — per transaction
- Gross$48,290
- Fee−$2,150
- Tax−$1,690
If you are incorporated as a company, or if you are an individual developer.
Two paths, one promise: you build the product, Waffo runs the payments.