> ## 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.

# Fees

> 3.9% + $0.50 per successful transaction.

<Card title="3.9% + $0.50 per successful transaction" icon="tag">
  No monthly fees. No setup costs. Pay only when you make sales.
</Card>

***

## Fee Schedule

### Successful Transactions

The rate depends on the payment method:

| Payment method          | Percentage | Fixed            |
| ----------------------- | ---------- | ---------------- |
| Cards & digital wallets | 3.9%       | \$0.50           |
| WeChat Pay              | 3.9%       | — (no fixed fee) |

**Example (card):**

```
Sale (tax inclusive): $100
Fee: $100 × 3.9% + $0.50 = $4.40
You receive: $95.60
```

**Example (WeChat Pay):**

```
Sale (tax inclusive): $100
Fee: $100 × 3.9% = $3.90
You receive: $96.10
```

***

### Failed Transactions

Failed transaction fees apply only to specific failure types. They are not cumulative.

| Failure Type                                   | Fee              | Notes                                         |
| ---------------------------------------------- | ---------------- | --------------------------------------------- |
| Failed authentication (3DS)                    | \$0.30 / attempt | Card declined at the 3DS authentication stage |
| Authentication passed but authorization failed | \$0.30 / attempt | Cleared 3DS but declined at authorization     |
| Did not reach authentication                   | \$0              | 3DS was never initiated — no fee charged      |

<Note>
  Failed transaction fees are charged per attempt, not per checkout session. Sessions that never trigger 3DS authentication are free.
</Note>

***

### Refunds

| Item                     | Fee               |
| ------------------------ | ----------------- |
| Refund processing        | \$1.00 per refund |
| Original transaction fee | Not returned      |

The \$1.00 refund fee is charged per refund request. The original 3.9% + \$0.50 transaction fee is not refunded regardless of whether the refund is full or partial.

***

### Payouts

| Item        | Fee                        |
| ----------- | -------------------------- |
| Payout fee  | 1% of payout amount        |
| Minimum fee | \$10.00 per payout request |

Payout fees are charged per payout request, not per transaction. The minimum \$10.00 applies even if 1% of the payout amount is less than \$10.

**Example:**

```
Payout: $500
Fee: $500 × 1% = $5.00 → minimum applies → $10.00
Pancake sends: $490.00

Payout: $2,000
Fee: $2,000 × 1% = $20.00
Pancake sends: $1,980.00
```

<Note>
  The amount that actually lands in your account is determined by your receiving bank. Intermediary bank fees, FX conversion, and bank posting rules can create differences.
</Note>

***

### Chargebacks

| Event                     | Fee     |
| ------------------------- | ------- |
| First chargeback          | \$25.00 |
| Representment (re-filing) | \$10.00 |
| Pre-arbitration           | \$25.00 |

<Note>
  The representment fee of \$10.00 is only charged if you opt in to contest the chargeback **and** we actually file on your behalf.
</Note>

***

## What's Included

All of the following are included at no additional charge:

| Feature                      | Included |
| ---------------------------- | -------- |
| Payment processing           | ✓        |
| Global tax compliance        | ✓        |
| Tax calculation & collection | ✓        |
| Tax remittance               | ✓        |
| All major card networks      | ✓        |
| Dashboard                    | ✓        |
| Consumer Portal              | ✓        |
| Webhooks & API               | ✓        |
| Fraud protection             | ✓        |

***

## Subscriptions with Trial Periods

For 7-day trial subscriptions, the first billing cycle may result in a net loss of approximately \$0.50 — this covers the cost of a \$0 authorization check performed at trial start.

***

## vs Alternatives

<Note>
  Competitor pricing is based on publicly available information and may change. FastSpring does not publish rates — pricing is negotiated directly. Always verify on their official pricing pages.
</Note>

| Provider          | Transaction Fee               | Monthly |
| ----------------- | ----------------------------- | ------- |
| **Waffo Pancake** | 3.9% + \$0.50                 | \$0     |
| Paddle            | 5% + \$0.50                   | \$0     |
| Lemon Squeezy     | 5% + \$0.50                   | \$0     |
| Gumroad           | \~10%                         | \$0     |
| FastSpring        | Not published (contact sales) | \$0     |

***

## FAQ

<AccordionGroup>
  <Accordion title="Are there minimum fees?">
    No monthly minimum. You only pay fees when transactions occur.
  </Accordion>

  <Accordion title="What counts as a failed transaction fee?">
    Once 3DS authentication is triggered, \$0.30 / attempt applies — whether authentication itself fails or the card clears 3DS and then fails at authorization. Sessions that never reach authentication (customer leaves before 3DS) are free.
  </Accordion>

  <Accordion title="Is the original transaction fee refunded when I issue a refund?">
    No. The 3.9% + \$0.50 fee is non-refundable. An additional \$1.00 refund processing fee applies per refund request.
  </Accordion>

  <Accordion title="Subscription billing fees?">
    Same 3.9% + \$0.50 per successful renewal. No extra subscription management charges.
  </Accordion>
</AccordionGroup>