FAQ

Frequently asked questions

How fast is settlement?+

Same day, on demand. USDT (TRC20) settlements run 12:00–23:59 at the Wise mid-market rate refreshed hourly, and customer payouts run 24 hours a day. There is no T+1 or T+2 cycle.

Do you accept credit or debit cards?+

No. WealthWave is built around Thai QR (PromptPay), bank transfer, and USDT rails — the channels Thai consumers actually pay with at high frequency. No card rails means no card-scheme friction for this class of payments.

What are the transaction limits?+

Deposits from ฿100 up to ฿49,900 per order — designed for high-frequency consumer payments. Payout and settlement limits are configured per account at onboarding.

Is there a sandbox?+

Yes — a full sandbox with mock success and failure endpoints, issued with your credentials at onboarding. Production endpoints are provided at the same time.

How long does integration take?+

The API surface is small — one create endpoint, one webhook, one query. Teams using our LLM-ready spec (llms-full.md) with an AI coding assistant typically have a working integration the same day; most go live within days.

What does it cost?+

Pay-in is 2.8% and pay-out is 1.0% per transaction — and rates improve with volume. Request access with your estimated daily volume and we'll come back with numbers.

What happens if my webhook endpoint is down?+

We retry until your server answers HTTP 200. You can also poll the query API at any time, and customers can submit slips that we verify against real bank records — three independent confirmation layers.

Which banks are supported?+

16 Thai banks for deposits and real-time payouts: KBANK, BBL, KTB, SCB, BAY, TTB, GSB, CIMB, KK, LH, TISCO, GHB, BAAC, CITI, UOB, and CLICX. See the full grid on the Platform page.

Can I settle in USDT?+

Yes — settlement is in USDT over TRC20 to your own wallet, at the Wise mid-market rate refreshed hourly. You can also top up your THB balance with USDT, so treasury flows both ways. No other Thai gateway offers this.

Do I have to build a payment UI?+

No. Every order returns a hosted payment_url with your choice of 10 themes, and the page can be embedded in your site as an iframe (HTTPS required).

What support do merchants get?+

A built-in support platform in the merchant portal: ticketing plus real-time chat in five languages (ไทย, English, Tiếng Việt, Bahasa Indonesia, 中文), with a Telegram bridge for your ops team.

How do I become a merchant?+

Request access with your website and estimated volume. Our team reviews every application and comes back to you directly — onboarding includes KYC, credentials, sandbox, and production endpoints.