Spend what you've already collected.
VCC will turn your Waffo balance into virtual cards you can spend. Funding a card will be an internal transfer, not a wire — money in and money out on one balance, with no bank round-trip.
Money in and money out, on one balance.
What you collect through Waffo becomes what you can spend — no round-trip through a bank. Coming soon.
Your settlement balance, spendable.
Cards will be funded straight from your payin settlement balance — an internal transfer, not a wire, so what you submit is what arrives. Refunds go back the same way, to leave with your normal payout cycle. Only settled funds can fund a card.
- FromSettlement balance$128,400.00After transfer: $88,400.00
- Amount40,000.00USDInternal transfer, with no bank in between
- ToAvailable card balance$0.00After transfer: $40,000.00
- Daily usage
- $2,400.00 / $10,000.0024%
- Monthly usage
- $41,300.00 of $60,000.0069%
- Per-payment limit
- $5,000.00
Frequently asked questions about VCC.
From the balance you have already collected through Waffo. A top-up moves funds from your payin settlement balance — an internal transfer, not a wire. Only settled funds are eligible.
Yes. A refund returns funds to your Waffo settlement balance, to leave with your normal payout cycle. Refunds are reviewed before the money moves, and the amount is held out of your spendable balance from the moment you submit it.
Up to three per card — per transaction, per day, per month — and all three are optional. They apply at authorization, so a charge above a limit is declined at the point of sale.
Not in the first release. A merchant that enforces 3DS will decline the card, and you will need another payment method for it. It is a limit of the release, not a per-card setting.
A card can be charged in the merchant's own currency; the amount comes off your balance in the settlement currency, with the rate shown on the transaction. Card balances are held in USD in the first release.
VCC is coming soon, and this page carries no launch date. Contact sales to talk through your use case.
Companies go live on Waffo. Developers start on Pancake.
Two paths, one promise: you build the product, Waffo runs the payments.