Payments

Global payment infrastructure, operated for you — from acquiring to growth.

Connect to global payment networks, settle in the currencies you choose, and grow on the data behind every transaction — with Merchant of Record support that takes tax off your books in 173 markets.

Publicly announced investors and strategic relationships
01

Acquiring & Payments

Connect to global payment networks with flexible collection methods tailored to diverse business models.

One-time Payments & Subscriptions

One integration covers instant Sale transactions and recurring charges — customers pay in one step, renewals run on their own.

  • Instant approval, with the payment result returned in real time
  • Smart Retry — retries at the moment the model expects funds to be there, recovering charges lost to insufficient balance
  • Involuntary churn management — cuts the churn caused by card problems rather than by intent

E-commerce, digital games, software subscriptions, membership renewals and recurring orders.

Payment Methods

One-stop access to global mainstream payment channels.

  • International card schemes: Visa, Mastercard, Amex
  • 480+ payment methods, including Apple Pay, Google Pay, PayPal, Alipay and WeChat Pay

480+payment methods portfolio-wide

165Methods
12Markets
02

Settlement & Fund Management

Funds land on your schedule — FX and tax handled in the same flow.

02 · 1

Merchant Settlement

A flexible global fund distribution network.

  • Multi-currency aggregation — settle in the original currency or convert automatically, whichever loses less to FX
  • Flexible cycles — T+1 express, T+10 standard or weekly settlement, tuned to your cash-flow needs
02 · 2

Global Tax (MoR)

Automated tax handling built on the Merchant of Record model.

  • Automated calculation and filing — real-time VAT/GST for 173 countries, with Waffo filing and remitting to the tax authorities
  • Smart B2B/B2C logic — reverse charge is applied automatically for businesses that qualify

Operate compliantly without registering a local entity overseas, and keep tax risk off your books.

USD$4,820.00
EUR€2,140.00
JPY¥1,360
THB฿980.00
Illustrative fixed FX: EUR 1 = USD 1.08 · JPY 1 = USD 0.0067 · THB 1 = USD 0.028
4 ccy
Settlement mode
Settlement cycle
Funds arriveT+1
In transit4 ccy · 1d
03

Value-Added Services

Beyond payments — growth powered by data insight and risk management.

03 · 1

Data Analysis

We tell you why a payment failed — and retry the ones that should have succeeded.

  • Panoramic dashboard — auth rate, TPV and the full conversion funnel, monitored to the second
  • Smart attribution — turns opaque bank decline codes into something you can act on
  • Churn analysis — quantifies recovered revenue and pinpoints where subscriptions leak
03 · 2

Merchant Portal & Dispute Management

An integrated dashboard that is both an operations center and a risk defense line.

  • Dispute defense loop — Visa RDR and Ethoca alerts settle disputes before they become cases, backed by structured evidence upload and automated representment
  • Permission management — role-based collaboration across finance, ops and engineering
96%Auth rate
TPV
Conversion funnel
Checkout opened100%
Payment submitted78%
Authorized71%
Smart attribution
Risk block63%
05 Do not honor

Issuer risk block — retried via local rail · Recovered

User drop-off25%
3DS abandoned

Buyers abandoned the 3DS step — shorten the challenge or pre-authenticate

Technical12%
91 Issuer unavailable

Transient issuer outage — the retry queue already picked these up

04

Advanced Features

Depth for the complicated cases — better experience and tighter risk control, handled in the infrastructure.

04 · 1

Tokenization

Financial-grade data custody and card lifecycle management.

  • PCI-DSS Level 1 — card numbers are replaced by tokens, cutting your compliance scope down to the minimum
  • Account Updater — expired and reissued cards are remapped automatically, so recurring billing never breaks
  • One-click payment — one token works across channels, making the second purchase effortless
04 · 2

Auth & Capture

A transaction model that separates freezing the funds from charging them.

  • Authorization — hold the limit before service starts, so the money is there when you need it
  • Partial capture — charge what was actually used, whether that is AI tokens or units shipped
  • Void — release the hold instantly on cancellation, with no banking fees

AI usage-based billing, charge-on-shipment commerce, hotel and rental deposits.

PCI-DSS Level 1
Card number4242 4242 4242 4242
Expires12/25
Account Updater
One-click across channels
WebiOSAndroid

Companies go live on Waffo. Developers start on Pancake.

Two paths, one promise: you build the product, Waffo runs the payments.