> ## 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.
# Payment Methods
> Cards and digital wallets supported by Waffo Pancake
## Overview
Waffo Pancake supports major card networks and digital wallets, with more local payment methods coming soon.
***
## Credit & Debit Cards
Accept all major card networks globally.
### Supported Networks
| Network | Coverage | Notes |
| ---------- | -------- | ---------------------- |
| Visa | Global | Most widely accepted |
| Mastercard | Global | Second largest network |
### How Cards Work
```
Card Number → Card Network → Issuing Bank → Approve/Decline
```
**Card number breakdown:**
* First 6 digits: Bank Identification Number (BIN)
* Middle digits: Account number
* Last digit: Checksum (Luhn algorithm)
### Card Types
| Type | Funding | Common Use |
| ------- | ------------------------ | --------------------- |
| Credit | Bank extends credit | Large purchases |
| Debit | Direct from bank account | Everyday spending |
| Prepaid | Pre-loaded balance | Gift cards, budgeting |
***
## Digital Wallets
One-click payments with stored cards for faster checkout.
### Apple Pay
| Feature | Detail |
| ---------- | ---------------------------------- |
| Devices | iPhone, iPad, Mac, Apple Watch |
| Security | Face ID / Touch ID + tokenization |
| Conversion | 30-50% higher vs manual card entry |
### Google Pay
| Feature | Detail |
| -------- | ------------------------------ |
| Devices | Android phones, Chrome browser |
| Security | Device unlock + tokenization |
| Markets | 40+ countries |
### WeChat Pay
| Feature | Detail |
| ------------- | -------------------------------------- |
| Currencies | USD, CNY |
| Markets | Mainland China, Hong Kong |
| Authorization | QR scan or in-app confirmation |
| Best for | Customers paying from a WeChat account |
### Why Wallets Convert Better
1. **No typing** - Card already stored
2. **Biometric auth** - Faster than passwords
3. **Trust** - Apple/Google branding
4. **Mobile-optimized** - Native experience
Apple Pay and Google Pay are enabled by default in Waffo Pancake checkout.
***
## WeChat Pay
WeChat Pay lets customers pay from their WeChat balance or linked cards — the most widely used wallet in mainland China.
| Rule | Detail |
| ---------------- | ----------------------------------------------------------------------------------------------------------- |
| Pricing currency | Orders priced in **USD or CNY** — WeChat Pay shows only when the order is priced in one of these |
| Per-order limit | Roughly **\$140 USD** (or the CNY equivalent) or less per order |
| Over the limit | If an order is over the limit, WeChat Pay is **hidden** at checkout — other methods (like cards) still show |
| Payment type | **One-time payments only** — WeChat Pay is not available for subscriptions |
WeChat Pay appears at checkout only for USD- or CNY-priced, one-time orders at or under the limit. For orders above the limit, orders in another currency, or any subscription, customers pay with a card instead. The per-order limit may be raised in the future.
***
## Payment Flow
Our two-step checkout optimizes for conversion:
```
Step 1: Customer Details
├── Email address
├── Country selection
├── Billing address (for tax calculation)
└── Business purchase option (optional)
Step 2: Payment
├── Card payment form
├── Apple Pay / Google Pay buttons
└── Order confirmation
```
***
## Supported Currencies
| Currency | Code | Notes |
| ---------------- | ---- | ------------ |
| US Dollar | USD | Default |
| Euro | EUR | EU countries |
| British Pound | GBP | UK |
| Chinese Yuan | CNY | China |
| Japanese Yen | JPY | Japan |
| Hong Kong Dollar | HKD | Hong Kong |
***
## 3D Secure (3DS)
Extra authentication for card payments to reduce fraud.
### How It Works
```
Pay → Redirect to bank → Verify (SMS/App) → Return → Complete
```
### When It's Required
| Scenario | 3DS Required |
| -------------------------- | ------------------ |
| European cards (SCA) | Yes |
| High-risk transaction | Usually |
| Low-value (under EUR30 EU) | Exemption possible |
### Impact
* Adds friction (customer must verify)
* Reduces fraud significantly
* Shifts liability to bank
* Required by law in many regions
***
## Saved Payment Methods
For returning customers and subscriptions.
### How It Works
1. Customer pays first time
2. We securely tokenize card
3. Future charges use token
4. No card details stored on your servers
### PCI Compliance
| Who | Responsibility |
| ------------- | ------------------------------ |
| Waffo Pancake | Stores and processes card data |
| You | Never touch raw card numbers |
This keeps you out of PCI scope.
***
## Checkout Languages
Checkout follows the shopper's browser language automatically across 19 languages, and shoppers can switch it from the footer. See [Multi-Language Support](/features/checkout#checkout-language) for the full list and resolution order.
***
## More payment methods are on the way
We're actively adding regional payment methods, local wallets, and buy-now-pay-later options. The next batch is prioritized by what merchants ask for most.
Tell us which method and which market matters to you. Submissions feed directly into our roadmap prioritization.
***
## Next Steps
Learn about the two-step checkout process
How we protect payments