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 demo environment to simulate transactions before going live

Demo 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 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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Integration checklist

Manage your direct debit payout mandates

Manage your direct debit payouts

Dispute your direct debit payouts

Direct debit payout statuses

Authorize direct debit payouts

Retrieve your deposits

Supported regions and currencies

Overview

Accounts

Move funds between accounts

Embedded Transaction RFI component

Hosted Transaction RFI flow

Native Transaction RFI API

Handle Transaction RFI

Embedded Payment Enablement RFI component

Hosted Payment Enablement RFI flow

Native Payment Enablement RFI API

Handle Payment Enablement RFI

Embedded KYB component

Hosted Onboarding 

Native API

Payment Method Onboarding Requirement

KYB and onboarding

Embedded KYC RFI component

Hosted KYC RFI flow

Native KYC RFI API

Handle KYC RFI

Individual KYC Requirements - AU

Individual KYC Requirements - HK

Individual KYC Requirements - SG

UK & EEA

Individual KYC Requirements - UK & EEA

Individual KYC Requirements

Australia (AU) 

Canada (CA)

China (CN)

Germany (DE)

Spain (ES)

France (FR)

United Kingdom (GB)

Hong Kong (HK)

Ireland (IE)

Italy (IT)

Netherlands (NL)

Singapore (SG)

United States (US)

Others

Business KYC requirements

Embedded KYC component

Hosted Onboarding

Simulate connected account status transition

KYC and onboarding

Onboard connected accounts

Supported regions

How connected accounts work

Connected Accounts

Desktop/Mobile Website Browser - PayPal

PayPal

ACH Direct Debit - BETA

 EFT Pre-Authorized Debit - BETA

 SPEI - BETA

Venmo - BETA

North America & LATAM

Retrieve physical card delivery details

Platform Dashboard (Beta)

Handling Disputes

Enable Apple Pay (Express Checkout)

Enable Google Pay (Express Checkout)

Enable MOTO Payments

Install Airwallex Card Payments app

Enable express checkout

Guest user checkout

Enable Apple Pay via web application

Enable Apple Pay using API

Hosted Payment Page

Apple Pay Element

Drop-in Element

Mobile SDK

Use your own certificate

Test your integration

Apple Pay

Registered user checkout

Google Pay Element

Enable Google Pay™

Google Pay™

Card Element

Split Card Element

Legacy Embedded Elements

Embedded Elements

Full Featured Card Element

Redirect Element

QR Code Element

WeChat Pay Element

Partners overview

Developer Tools

Demo environment overview

Mobile SDKs

Customization options

Airwallex.js

Quickstart with Postman

Manage API keys

RFI (Request for Information)

Implement your marketplace solution

Payments for marketplaces

Desktop / Mobile Website Browser

Save bank details for future payments

Micro-deposit verification

SEPA Direct Debit - BETA

Handling Disputes & FAQs

Desktop/Mobile Website Browser

Pay by Bank app (PbBa)

US: 1099-K

US tax form filing obligations

1099-NEC form state requirements

 Account

Billing

Charges

Connected Account Transfers

Conversions

Deposits

Direct debit payouts

Global Accounts

Issuing

Linked Accounts

Online Payments

Platform

 Transfers

Payload examples

Account capability

Account status

Funds Split

Online payments

PSP Agnostic

Transfers

Event types

View and Manage Transactions

Embedded Tax Form component

Bacs Direct Debit - BETA

Bancontact

BLIK

Estonian Banks

iDEAL

Latvian Banks

Lithuanian Banks

Maxima

MyBank

Multibanco

Narvesen

Paysafecard

Paysafecash

Paysera

PayU

Perlas Terminals

Przelewy24 | P24

Satispay

Sofort.

Trustly

TWINT - BETA

EU & UK

Desktop/Mobile Website Browser - TWINT

US tax reporting

Desktop/Mobile Website Browser - Klarna

Store Detail Requirement 

Payment Method List

Configure remote authorization

iOS SDK

Android SDK

Install the Airwallex Google Pay Payments App

Getting Started

Install Airwallex Online Payments App

Install Airwallex Klarna Payments App

Install Airwallex Afterpay Payments App

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