Wallets
Give customers a stored balance they can spend at checkout and on invoices
A wallet is a stored balance attached to a customer. You add credit from the dashboard or with wallet codes, customers can top up from the customer portal, and the balance is spent at checkout and on invoices.
Wallets are managed in the dashboard and the customer portal. There is no public wallet API or wallet webhook event.
How balances are funded
| Source | How it works |
|---|---|
| Manual credit | You credit a customer's wallet from their customer page. See Managing Balances. |
| Wallet code | The customer redeems a code in the customer portal or at checkout. See Wallet Codes. |
| Top-up | The customer adds funds in the customer portal, charged to their saved card. See Customer Portal. |
Funding types
Every credit has a funding type:
| Funding type | Meaning |
|---|---|
| Cash | Value the customer paid for, such as a top-up. |
| Promotional | Value you issued, such as a goodwill credit. |
Credits are held as lots. Each lot keeps its source, funding type and optional expiry date, so you can trace how a balance was built and spent.
How balances are spent
- At checkout. A returning customer with a balance can tick Use wallet balance. The wallet pays as much as it can, and the card is charged for the rest. See Checkout Integration.
- On recurring charges. With Auto-Apply to Invoices on, the wallet balance is used before the customer's payment method is charged.
- Manual debit. You can debit a wallet from the customer page.
Wallet settings
Configure wallets in Settings → Wallets:
| Setting | Description |
|---|---|
| Enable Wallets | Turns wallets on for your account. |
| Auto-Apply to Invoices | Uses the wallet balance before charging the customer's payment method. |
| Allow Customer Self Top-Up | Lets customers add funds in the customer portal. |
| Preset top-up amounts | The amounts offered to customers when they top up. |
| Credit Expiry (days) | How long new credits stay valid. Leave blank for no expiry. |
| Low Balance Threshold | The balance below which a wallet is treated as low. Leave blank to turn off. |
Currency
A wallet holds your account's default currency. Manual credits and debits in any other currency are rejected.
Reversals
If a card payment fails after wallet balance was applied at checkout, the wallet is credited back with the same funding types that were used.
Related
- Managing Balances -- Credit, debit and history in the dashboard
- Wallet Codes -- Create and manage redeemable codes
- Checkout Integration -- Using a balance at checkout
- Customer Portal -- What customers see and can do
Owner: david · Reviewed 30 Sep 2026 · Next review 29 Dec 2026