Starting at2.9% + $0.5
per successful transaction for domestic cards
- Payment gateway access
- 480+ payment methods
- Developer-friendly API
- No setup fees
Pricing
Flexible pricing. Based on your volume, we can offer a custom quote.
01/Plans
Start on published rates, or price it with us
Quoted per marketCustom
Please feel free to contact our sales team, and we will help you determine the most suitable and competitive pricing for your needs.
- Interchange Plus
- Volume discounts
- Multi-product discounts
- Country-specific rates
02/What's included
Included at every rate
No feature tiers and no add-on modules. The rate you pay covers the whole platform.
Checkout
Hosted or embedded checkout you can brand, with pre-built payment forms, one-click express payment and no-code payment links.
Payment methods
480+ payment methods across 173 countries and markets on one integration, with every rate published per method.
Subscriptions
One-off and recurring charges run through the same integration, and a RevenueCat integration carries cross-platform subscriptions.
Discounts and promotions
Coupons and promotion codes live inside the payment flow, so you can run a discount without wiring up a marketing platform.
Fraud protection
Baseline fraud protection is on by default, with common risk rules you can configure and real-time risk signals.
Success optimization
Smart retries, automatic card updates and customer authentication keep failed payments from ending as lost revenue.
Reporting
One dashboard for authorization rates, checkout conversion and the error code behind every drop-off.
Developer tools
SDKs, webhooks, an API reference and an MCP server your team — or your AI agent — can build against.
Support
24×7 phone, chat and email, a Discord community, documentation that stays current, and a team you can reach before you go live.
Security and compliance
PCI DSS compliant infrastructure run to a 99.999% uptime engineering target, with global licences behind it.
03/Global payments
Accept the way each market pays
Charged per successful transaction, with refunds, disputes and optional services priced alongside.
Cards and mobile wallets
Per successful card transaction
2.90%+ USD 0.50
Visa, Mastercard and the other widely used credit and debit cards. Apple Pay and Google Pay are priced at card rates.
One integration, one contract, one settlement.
Refund fee
per refund request
USD 1.00
Charged for each refund request you submit. Markets not listed here carry no separate refund fee.
on cards, mobile payments and stablecoin
Local payment methods (APM)
Per successful transaction, any market
2.90%
One rate for everything else: e-wallets, bank transfers, real-time QR, online banking, cash and over the counter, buy now pay later, prepaid brands and stablecoin.
Chargeback fee
per chargeback
USD 25.00
For each chargeback you receive.
These are charged on top of the transaction fee: when a successful payment is refunded or disputed, the price below is added to the transaction fee already charged.
Additional services
Invoice, fraud prevention, chargeback alerts and global payout, priced per use.
Invoice
Issue branded invoices to B2B customers, with PDF download, Net-30 terms and automated reminders.
$0.40
per sent invoice
Fraud prevention
ML-based scoring on every transaction, with configurable rules and 3-D Secure step-up.
$0.05
per screened transaction
Baseline anti-fraud protection is on by default at no extra cost; this service adds scoring on every transaction.
Chargeback alerts & auto refund
Bundle Visa RDR and Ethoca alerts: receive early dispute signals and automatically refund qualified cases before a chargeback is filed.
$15
per RDR resolved dispute
$20
per Ethoca alert
RDR and Ethoca coverage depends on the card network and channel involved in each transaction.
Global payout
Send funds to individual beneficiaries over local rails. The fee is charged per payout, on top of the amount you send.
From 0.50% + USD 2.50
per payout
Payout rates by market
Individual beneficiaries
United States
Available now0.50% + USD 2.50
per payout
Per-payout limits
- USA_BANK0.01 – 50,000,000 USD
China
Available nowAnnual per-beneficiary caps apply. Bank payouts are capped at USD 50,000 per person per year; Alipay payouts carry separate salary and service-payment caps.
1.00% + USD 3.50
per payout
Per-payout limits
- Alipay0.01 – 50,000 CNY
- CHN_BANK1 – 20,000 CNY
Indonesia
Available now1.00% + USD 2.50
per payout
Per-payout limits
- DANA20,000 – 20,000,000 IDR
- ShopeePay10,000 – 20,000,000 IDR
- OVO10,000 – 20,000,000 IDR
- GoPay10,000 – 20,000,000 IDR
- LinkAja10,000 – 20,000,000 IDR
- AstraPay10,000 – 20,000,000 IDR
- IMKas10,000 – 20,000,000 IDR
- IDN_BANK10,000 – 1,000,000,000 IDR
Philippines
Available now1.00% + USD 2.50
per payout
Per-payout limits
- GCash0.01 – 500,000 PHP
- PayMaya0.01 – 500,000 PHP
- GrabPay1 – 50,000 PHP
- PHL_BANK0.01 – 25,000,000 PHP
Vietnam
Available now1.00% + USD 2.50
per payout
Per-payout limits
- ZaloPay1,000 – 50,000,000 VND
- MoMo20,000 – 50,000,000 VND
- VNPT Pay20,000 – 50,000,000 VND
- VNPAY1,000 – 50,000,000 VND
- VNM_BANK2,000 – 499,999,999 VND
Singapore
Available now1.00% + USD 2.50
per payout
Per-payout limits
- PayNow1 – 200,000 SGD
- SGP_BANK1 – 200,000 SGD
India
Available now1.00% + USD 2.50
per payout
Per-payout limits
- UPI0.01 – 200,000 INR
- IND_BANK0.01 – 1,500,000 INR
Japan
Available now1.00% + USD 5.50
per payout
Per-payout limits
- JPN_BANK1 – 1,000,000 JPY
Korea
Coming soon1.00% + USD 2.50
per payout
Per-payout limits
- KOR_BANKNo minimum or maximum
Taiwan, China
Coming soon1.50% + USD 4.50
per payout
Per-payout limits
- TWN_BANKNo minimum – 499,999 TWD
Malaysia
Coming soon1.00% + USD 2.50
per payout
Per-payout limits
- TNG Digital1 – 10,000 MYR
- BigPay1 – 10,000 MYR
- MYS_BANK1 – 300,000 MYR
Thailand
Coming soon1.00% + USD 2.50
per payout
Per-payout limits
- Kasikorn Bank50 – 2,000,000 THB
Mexico
Coming soon1.00% + USD 2.50
per payout
Per-payout limits
- MEX_BANK1 MXN – No maximum
Brazil
Coming soon2.00% + USD 2.50
per payout
Per-payout limits
- BRA_BANK1 BRL – No maximum
* Limit applies when the payout is funded from the payin balance of an existing Waffo MID.
Payout fees are charged per payout in addition to the amount sent, and exclude beneficiary-side or intermediary bank charges. Markets shown as coming soon are not live yet and carry no committed launch date. Availability, limits and the beneficiary information required vary by market and are confirmed during onboarding.
Additional services are enabled per account and billed alongside your transaction fees. Availability follows merchant, product and market eligibility.
04/Fee comparison
What would each provider collect?
Set an annual turnover and transaction shape. Each row applies that provider's own published formula, and any row that leaves conditional fees out says so.
| Provider | |||||||
|---|---|---|---|---|---|---|---|
| Percentage-based | $7,250 | $7,000 | $7,250 | $8,725 | $12,500 | $12,500 | $32,250 |
| Per-transaction | $2,500 | $1,500 | $1,500 | $2,450 | $2,500 | $2,500 | $4,000 |
| International | $0 | $1,875 | $1,875 | $1,875 | $0 | $1,875 | $0 |
| FX | $0 | $125 | $250 | Not published | $0 | $0 | $0 |
| Subscriptions | $0 | $625 | $875 | $0 | $0 | $625 | $0 |
| Disputes / plan | $300 | Not published | $180 | Not published | Not published | $180 | Not published |
Comparable fees, different jobs. Merchant of Record fees cover a broader documented responsibility set. With a direct processor, your tax registration, filing, billing, support and compliance work stay with you — costs a fee percentage cannot show. Merchant of Record covers eligible digital goods, and merchant, product and market eligibility is reviewed.
Uses each provider's published, generally US assumptions. Where a provider has not published a fee, the total leaves it out; that never means the fee is zero. checked 2026-08-18Companies go live on Waffo. Developers start on Pancake.
Two paths, one promise: you build the product, Waffo runs the payments.