> ## Documentation Index
> Fetch the complete documentation index at: https://docs.waffo.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Payout Accounts

> Set up, change, and manage your payout accounts

Payout accounts are where your payouts arrive. They live at the merchant level — every store you own shares the same set of accounts. You can keep multiple on file and switch the default at any time.

<Frame>
  <img src="https://mintcdn.com/waffo/ufjGfSwGi0IBOUvV/images/dashboard/payout-accounts.png?fit=max&auto=format&n=ufjGfSwGi0IBOUvV&q=85&s=d77a203c5679b86469a24811e3e2457b" alt="Payout Accounts page — basic identity summary and saved accounts" width="1440" height="900" data-path="images/dashboard/payout-accounts.png" />
</Frame>

## Setting Up a Payout Account

<Steps>
  <Step title="Verify your identity first">
    You can't add a payout account without a verified identity — the holder name on every payout is taken from your legal name. See [Identity Verification](/merchant/identity-kyc) if you haven't done this yet.
  </Step>

  <Step title="Open Payout Accounts">
    Click your avatar in the top-right and select **Payout Accounts**.
  </Step>

  <Step title="Pick a method and enter details">
    Choose **Bank Card** or **Alipay** and fill in the fields. Your name is filled in automatically from your identity — you don't type it here.
  </Step>

  <Step title="Save">
    On your first payout to a new account, the bank confirms the holder name matches your verified identity. Once matched, the account is trusted for all future payouts.
  </Step>
</Steps>

<Note>
  Sensitive fields — ID number, bank account number, Alipay account — only show the last few characters after saving. The full value is only used when a payout is being processed.
</Note>

## Available Payout Methods

| Method        | Fields required                                                                         |
| ------------- | --------------------------------------------------------------------------------------- |
| **Bank Card** | Bank (selectable from the list in the dashboard), account number, purpose of remittance |
| **Alipay**    | Mobile number **or** email registered with Alipay, purpose of remittance                |

<Note>
  **Current coverage:** mainland China, settled in CNY. We are actively expanding to more regions and currencies — contact support to let us know what matters most to you so we can prioritize.
</Note>

<Card title="Request a payout method" icon="circle-plus" href="https://forms.gle/xKPbT3ZSTVy1sbBNA">
  Tell us which payout method and which region matters to you. Submissions feed directly into our roadmap prioritization.
</Card>

## Changing Your Payout Account or Default

You can add a new account, edit an existing one, set a different default, or remove an account at any time.

| Action             | What it does                                                                                           |
| ------------------ | ------------------------------------------------------------------------------------------------------ |
| **Add**            | Save a new bank card or Alipay. The same card or Alipay can't be added twice                           |
| **Edit**           | Update details on an existing account. The holder name is read-only — it tracks your verified identity |
| **Set as default** | The default is used for every payout unless you switch before submitting                               |
| **Delete**         | Remove an account. Only allowed when no payouts are pending against it                                 |

<Tip>
  Switching the default doesn't affect payouts already in flight. They land in the account you originally chose at submit time.
</Tip>

## Common Issues

<AccordionGroup>
  <Accordion title="Why can't I add a payout account?" icon="ban">
    The most common cause is an incomplete identity. Without a verified identity, the form won't save. Open **Profile**, fill in the required fields, then come back. See [Identity Verification](/merchant/identity-kyc).
  </Accordion>

  <Accordion title="Why is the holder name not editable?" icon="lock">
    The holder name on every payout is taken from your verified legal name — automatically. This avoids typos that would bounce a payout. If your legal name needs to change, update it on **Profile**; if it's already locked, contact support.
  </Accordion>

  <Accordion title="Can I add the same card twice?" icon="copy">
    No. If you submit a card or Alipay account that's already on file, nothing changes. Add a different account, or edit the existing one.
  </Accordion>

  <Accordion title="My bank isn't on the supported list." icon="building-columns">
    Use Alipay, or contact support so we can prioritize adding your bank.
  </Accordion>
</AccordionGroup>