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Manage customer wallets with ease. This guide covers how to create, upgrade, and handle transactions using the Monieswitch dashboard and API.

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Upgrade Tier

Enhance a customer’s wallet capabilities by upgrading to a higher tier. This increases their transaction limits and maximum balance capacity. Access via “Upgrade Tier” in the Action menu. Why Upgrade Wallets? As your customers’ transaction needs grow, upgrading their wallet tier allows them to:
  • Process larger daily transactions
  • Hold higher wallet balances
  • Access increased transaction limits
  • Meet growing business requirements
  • Handle bigger payments and collections
Upgrade Paths & Requirements:
From TierTo TierAdditional RequirementsProcessing Time
Tier 1Tier 2NIN verification onlyInstant (automated)
Tier 2Tier 3Government ID + Proof of Address24-48 hours (manual review)
Upgrade Process:
  1. Open the wallet and verify its current tier status
  2. Click “Action” → “Upgrade Tier” from the menu
  3. Upload all required documents for the target tier (You can only upgrade from Tier 1 to 2 or Tier 2 to 3):
    • For Tier 2: Valid NIN number
    • For Tier 3: Government-issued ID + Recent proof of address + Selfie photo
  4. Submit the upgrade request
  5. Wait for verification
Required Documents for Tier 3:
  • Valid government-issued ID: Voter’s Card, NIN Slip, Driver’s License, or International Passport
  • Recent proof of address: Utility bill, Water bill, Internet bill, or Electricity bill (must be within 3 months)
  • Clear selfie photo for identity verification
Processing Times: - Tier 1 → Tier 2 upgrades are instant if NIN verification succeeds - Tier 3 upgrades require manual document review (24-48 hours) - During verification, the wallet remains active at its current tier - Once approved, new limits are automatically applied
For detailed tier requirements, see the Tier System Documentation.

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Enable Wallet (Unfreeze Account)

Reactivate a previously disabled or frozen wallet to restore full transaction capabilities. This option appears in the Action menu when viewing a disabled wallet. When to Enable Wallets:
  • After resolving compliance or verification issues
  • When customer identity verification is complete
  • After investigating and clearing suspicious activity flags
  • When a temporary suspension period has ended
  • Upon customer request after security concerns are addressed
Enable Process:
  1. Locate the wallet with “Inactive” or “Disabled” status badge
  2. Review the wallet details and reason for disablement
  3. Verify that issues have been resolved appropriately
  4. Click “Action” → “Unfreeze Account”
  5. Confirm the action (may require additional approval based on settings)
  6. Verify the wallet status changes to “Active”
Instant Activation: Once enabled, the wallet immediately regains full functionality. Customers can send and receive funds right away. All previous balance information and transaction history remain intact and accessible.
Enable wallets programmatically:
Enable Wallet
curl --location 'https://nini.monieswitch.com/wallet/enable' \
  --header 'Authorization: Bearer {{merchantAPIKey}}' \
  --header 'Content-Type: application/json' \
  --data '{
    "walletId": "53341293-eb2f-4510-8ebc-bad35ad2bd72"
  }'
See the API Reference for complete documentation.

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Disable Wallet (Freeze Account)

Temporarily suspend a wallet to prevent all transactions. This security feature is available through “Freeze Account” in the Action menu (displayed in red for visibility). Common Reasons to Disable Wallets:
  • Suspected fraudulent or unusual activity detected
  • Customer request for security purposes (lost phone, compromised device)
  • Ongoing compliance investigation or verification required
  • Unusual transaction patterns that need review
  • Compromised credentials or security breach
  • Regulatory hold or compliance requirement
What Happens When Disabled: When you freeze a wallet, several restrictions take effect:
  • ❌ Cannot send funds to any destination
  • ❌ Cannot receive new incoming funds
  • ❌ All transaction attempts are automatically blocked
  • ❌ Cannot be credited even by merchants
  • ❌ Cannot be debited by merchants
  • ✅ Balance remains secure and unchanged
  • ✅ Complete transaction history is preserved
  • ✅ Wallet details can still be viewed
  • ✅ Can be re-enabled when issues are resolved
Disable Process:
  1. Open the wallet you need to freeze
  2. Click the “Action” dropdown menu
  3. Select “Freeze Account” (shown in red text)
  4. Select or enter the specific reason for freezing
  5. Confirm the action to immediately disable the wallet
Important Security Notes: - Disabled wallets cannot process ANY transactions (including merchant operations) - Customer receives immediate notification of wallet suspension - Pending transactions at the time of disabling may fail or be reversed - Re-enabling requires appropriate authorization and verification - All freeze actions are logged for compliance and audit purposes
Freeze vs Enable Comparison:
FeatureFrozen WalletEnabled Wallet
View balance and details✅ Yes✅ Yes
Receive incoming funds❌ No✅ Yes
Send outgoing funds❌ No✅ Yes
Merchant can credit❌ No✅ Yes
Merchant can debit❌ No✅ Yes
Customer-initiated✅ Yes (via support)N/A
Merchant-initiated✅ Yes (via dashboard)✅ Yes
Reversible✅ Yes (via Enable)N/A
Notification sent✅ Yes (instant)✅ Yes (instant)
Disable wallets via API:
Disable Wallet
curl --location 'https://nini.monieswitch.com/wallet/disable' \
  --header 'Authorization: Bearer {{merchantAPIKey}}' \
  --header 'Content-Type: application/json' \
  --data '{
    "walletId": "53341293-eb2f-4510-8ebc-bad35ad2bd72"
  }'
See the API Reference for details.
Best Practice: Always document the specific reason for disabling a wallet. This documentation helps with: - Compliance audits and regulatory requirements
  • Internal investigation tracking - Context when re-enabling the wallet - Customer support inquiries - Fraud pattern analysis

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What’s Next?

Tier System

Learn about tier requirements and limits

Wallet transactions

Credit, debit, and transfer funds between wallets

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