Start with a pay as you go account, scale to a paid plan when you're ready

Start building for free, start paying when you go live. Access all features from day one.

+$0.30 per transaction
Accept bank payments
Instant payment decisioning
Instant payment settlement
Access to Wafi Wallet
Start testing for free
+$0.20 per transaction
Send RTP
Send and receive ACH same day and next day
Automatic payment routing
Access to Wafi Wallet
Start testing for free
per connection
Get routing number
Get account balance
Get account owner
Get access to Wafi Wallet
Start testing for free

Frequently asked questions

Do I need to change my bank?
No. Keep your existing bank. Wafi provides you with a wallet which will serve as a connection between your bank and your customer's bank. Funds will flow from your customer to your wallet and then from there to your bank account and vice versa.
How does Wafi ensure payment security?
Wafi has implemented Multi Factor Authentication (2FA) and secures data in transit and at rest using 256 bit AES encryption across our platform. This keeps you and your customer's data safe.

How does Wafi prevent fraud?
Wafi has developed a proprietary fraud detection and prevention product to help our customers catch and reduce fraud. Our platforms comes with compliance built in, starting with automated AML, KYC and KYB checks. Wafi also monitors transactions in real time to make sure suspicious transactions are investigated and dealt with appropriately.
How does billing and pricing work?
Wafi has a pay as you go plan where you get charged instantly for every transaction. Wafi also has paid plans for enterprise customers.

Product questions

How is Wafi Checkout different from Wafi Pay?
Wafi Checkout is similar to Apple Pay. A user chooses Wafi at Checkout, creates a Wafi account and pays with their bank account. Wafi Pay on the other hand, enables you to process your customer's payments by leveraging Wafi to power the experience on the backend.
How do I get started with Wafi?
To get started, click the join now or get started button on our website, create a merchant account and start testing immediately. When you are ready to go live, request production access and we'll verify your identity and get you on your way.
What do I do if I have a unique use case?
We'll love to hear from you. Message us at and we'll follow up and set up some time to walk through your use case and see if it's something we can support.