Funding the wallet

Customers can fund their wallets with your business through credit and debit card payments, ACH transfers, and gift card redemptions. Once funds have been added to a customer’s wallet, they become part of your closed-loop ecosystem and must be spent with your business. In rare cases, a refund may be facilitated in response to a dispute.

View customer balance funding in the Merchant Portal from the Analytics page, Transactions page (filter by transaction type: Add Balance), and in Financial Reports.

Credit and debit card payments

Customers can fund their wallets using major credit and debit cards, processed through your connected payment service provider (PSP). This includes support for Apple Pay and Google Pay, offering a seamless and mobile-friendly experience for your customers. These transactions are processed in real-time, allowing funds to be available instantly in the customer’s wallet.

We work with your PSP to ensure funds are securely authorized and settled. You can view these funding events in both your PSP dashboard and the Merchant Portal.

ACH transfers

Customers can also add funds via ACH bank transfers, offering a cost-effective alternative to card transactions. We support secure bank account linking and verification through third-party providers like Plaid (for account authentication) and Stripe (for payment processing).

Balances funded with ACH are immediately available for shoppers to spend. ACH transactions are screened through a third party risk tool to minimize the chance of return. If an ACH wallet funding transaction fails to settle (e.g. customer bank account did not have enough money), the funds will be removed from the customer’s balance.

Gift cards

See redeeming gift cards.

Merchant-funding cases

As the merchant, you can also fund customer wallets for marketing or support purposes.

See incentive funds and appeasements for more on merchant funding.