> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monieswitch.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Controls - Upgrade, Enable, Disable Wallets

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

### 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 Tier | To Tier | Additional Requirements          | Processing Time             |
| --------- | ------- | -------------------------------- | --------------------------- |
| Tier 1    | Tier 2  | NIN verification only            | Instant (automated)         |
| Tier 2    | Tier 3  | Government ID + Proof of Address | 24-48 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

<Note>
  **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
</Note>

For detailed tier requirements, see the [Tier System Documentation](/features/wallets/customers/tier).

### 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"

<Check>
  **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.
</Check>

<Accordion title="API Integration Example">
  Enable wallets programmatically:

  ```sh Enable Wallet theme={"system"}
  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](/api-reference/wallet/enable-wallet) for complete documentation.
</Accordion>

### 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

<Warning>
  **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
</Warning>

**Freeze vs Enable Comparison:**

| Feature                  | Frozen Wallet         | Enabled 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) |

<Accordion title="API Integration Example">
  Disable wallets via API:

  ```sh Disable Wallet theme={"system"}
  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](/api-reference/wallet/disable-wallet) for details.
</Accordion>

<Info>
  **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
</Info>

## What's Next?

<CardGroup cols={2}>
  <Card title="Tier System" icon="layer-group" href="/features/wallets/customers/tier">
    Learn about tier requirements and limits
  </Card>

  <Card title="Wallet transactions" icon="bill-wave" href="/features/wallets/customers/operations/transactions">
    Credit, debit, and transfer funds between wallets
  </Card>
</CardGroup>

<Snippet file="footer-build.mdx" />