Wallet-as-a-Service · API & Portal

Digital wallets,
as a service.

DigiWise is a ready-to-go API and portal that adds fully functional digital wallet capabilities to any business — top-ups, payouts, virtual card issuance, and real-time balances, without building any of it yourself.

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Automatic

every party paid — splits, fees & payouts handled

Real time

see what you owe, across every wallet

Under 4 weeks

to go live — not the year it takes to build it yourself

Your wallet — live in your product, under your brand

Who We Serve

Any business with a user base that needs to hold, move, or manage money.

🏨

Hospitality and Hotels

⛽

Fuel Stations and Forecourts

✈️

Airlines and Travel

🔨

Auction Houses

🛒

Enterprise Retailers

👥

HR and Workforce Platforms

🎓

Education

🤲

Religious and Giving Organisations

🏆

Events and Sports

Already live. Already working.

DigiWise powers live products in production today.

Live

Qudos

Direct-to-worker tipping and recognition platform. Thousands of active users. Ratings and payments processing in real time.

Live

Elite Series

Tournament payment platform. Entry fees, prize fund management, and instant winner disbursements. Real money processed from day one.

Ready to build

HR and Workforce

Earned wage access, staff incentive distributions, and benefit payments. Live in under 4 weeks for any HR platform or workforce management product.

Ready to build

Enterprise and Events

Loyalty wallets, bidder deposits, prize disbursements, travel credits. Any enterprise product that needs to hold and move money for its users.

Why a wallet

Move money inside your
business, the efficient way.

A digital wallet is a financial administration facility that bridges money across your business ecosystem — between your users, vendors and partners. It isn’t a bank account and it isn’t a payment processor. It’s the layer that keeps money moving cleanly inside your product.

Instant refunds

Refunds go straight back to the wallet in real time — no bank run, no fees, no days of waiting.

Pay many parties at once

Split and pay out across multiple wallets automatically, instead of a separate bank-to-bank transaction for each party.

Fewer bank-to-bank transactions

Money is retained and moves wallet-to-wallet inside your ecosystem, reducing the number of costly bank-to-bank transactions.

Real-time balances

See every balance and movement as it happens — no month-end reconciliation scramble.

How It Works

Connect. Pay.
Split. Settle.

Connect your app once through the API, and the wallet handles the money movement across your ecosystem — from the moment a customer pays to the moment everyone is settled.

Connect

Your connected app links to DigiWise through one clean API

Pay

Your customer pays in — funds land in the wallet

Split

Funds are allocated to the right wallets automatically — multi-party splits and payouts handled

Settle

Top up, pay out wallet-to-wallet, or withdraw — with fewer bank-to-bank transactions

Connect→ Pay→ Split→ Settle

Take a Look

See What Your Users Get

A clean, simple wallet experience your users will actually enjoy — under your brand, not ours.

Home Dashboard

Balance, transactions, and quick actions at a glance

Top Up

Load funds from any linked card or bank account

Payout

Pay out to any wallet — instant, zero-cost

Withdraw

Move funds to your bank account securely

Notifications

Real-time alerts for every transaction

I am a technical builder

Integrate DigiWise via API and give your users fully functional digital wallets without managing a single compliance obligation. REST API, sandbox environment, full documentation, tiered KYC, real-time ledger, webhook notifications, and virtual Mastercard issuance. Under 4 weeks from first API call to live wallet product.

Request sandbox access

I have a product idea

You do not need to understand payment regulation or card scheme rules. Tell us what your product should do for your users. We will tell you how fast we can get the wallet layer underneath it live. Monthly licence plus a small per-transaction fee. Simple and transparent.

Get in touch

The API

Wallet services
you can plug in.

A collection of wallet services, available through one REST API and a portal — web and mobile ready. Here is what you can access.

Wallets

Create and manage multi-tier wallets, each with its own balance, rules and visibility.

Wallet service

Top-ups

Bring money into a wallet through your connected app.

Money in

Payouts & splits

Move money wallet-to-wallet and split across multiple parties automatically.

Multi-party

Refunds

Send full or partial refunds straight back to the wallet, in real time.

Real-time

Withdrawals

Pay funds out to a bank when money needs to leave the wallet.

Money out

Balances & ledger

Read real-time balances and a full transaction history across every wallet.

Visibility

Also available: virtual card issuance and tiered KYC with built-in limits. Full API docs and a sandbox environment are provided on request.

Request sandbox access

Trust & Security

Your Money Is Safe.
Full Stop.

Security and compliance are built into every layer, so you stay in control of your funds and your users’ funds.

Data Protection

End-to-end encryption for all data at rest and in transit. Your information never leaves a secure environment.

Card Tokenization

All sensitive card data is tokenized immediately. No raw card numbers are ever stored in the system.

Full Audit Trail

Complete traceability for every transaction, payout, and settlement. Immutable history you can trust.

Role-Based Access Controls

Granular permissions for every role across your business — from finance managers to merchants. You decide exactly who sees and does what.

Transaction Validation

OTP verification, rate limiting, and multi-step validation on every financial operation.

Tiered KYC & Limits

Tiered KYC and hard-coded transaction limits run inside the platform, with AML analysis on top. The regulated obligations stay with DigiWise and our banking partners, not with you.

Ready to build
with wallets?

Tell us about your product and request access to the API and sandbox. We review every request, then set you up with what you need to start building.

Request sandbox access Contact us