Wallet services you can plug in.

Your customers cannot spend what they have not loaded. Top Up puts money into a wallet from a card, and the balance moves only once the payment provider confirms the payment.

The card number is entered on the payment provider's own secure page. It does not pass through our system and we do not hold it. Your customer sees the amount, the Service Fee and the Total Amount before confirming anything.

When one payment is owed to more than one party, the usual answer is to bank it and sort it out later. Payments divides the amount as it is made, so there is nothing to unpick afterwards.

Your app asks for a payment. Your customer approves it in the wallet, and the amount is allocated to each party in the same movement. A payment of $200.00 can go $160.00 to the merchant and $40.00 to you. The parts must add up to the amount paid, so a split cannot leave a remainder sitting somewhere unnamed.

Money that cannot leave is not really money. Withdraw takes it out to a bank account, or as cash at an ATM with a PIN sent by SMS.

Your customer chooses Bank Withdrawal or Cash Voucher, and the request moves from In Progress to Completed as it is worked. A person checks every one of them before it is released. Withdrawals are manually reviewed and typically processed within 1 to 3 business days.

A refund that goes back to a card leaves your ecosystem and takes the relationship with it. Refunds go back to the wallet instead, where the money can be spent with you again.

• Full. The whole amount returns to the wallet it came from.
• Partial. Part of a transaction is returned and the rest stands.
• Bulk. A batch of refunds is handled in one action rather than one at a time.

Your finance people need a number they can stand behind at month end. Reports give them four balances and every movement sitting behind those balances.

Every movement can be exported for any period, straight into a spreadsheet. That export is what your finance people reconcile against.

• Actual Balance. Everything collected.
• Available Balance. What you can use now.
• Pending Credits. On the way in.
• Pending Payments. Already promised to someone else.

How the ledger and the four balances work

People act on money when they are told about it. A Top Up, a payment or a completed withdrawal is not something anyone has to go looking for.

Your name and your colours sit around the wallet in your own app. The DigiWise lockup stays in the wallet header.

A notice goes out three ways.

• In the app
• By email
• By SMS