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 building with Airwallex APIs

Quickstart

Explore our comprehensive reference to integrate with Airwallex API endpoints

API Reference

Learn how to receive push notifications via webhooks

Webhooks

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 the 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 demo account to explore our product and test your integration. Contact [support](https://help.airwallex.com/hc/en-gb/requests/new) to submit a request for a demo account. When you submit the request, please select the following:
    - *Issue* category: __Payments__
    - *Sub-issue* category: __I want to get started with Payments__
    - *Subject*: __Apply for a demo account__
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. 


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