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Manage all wallet operations including creation, transactions, upgrades, and account controls through our comprehensive API endpoints.

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Quick Actions

Wallet Action Menu

Upgrade Tier

Enhance wallet capabilities and increase transaction limits

Credit Wallet

Add funds from merchant account to customer wallet

Debit Wallet

Withdraw funds from customer wallet to merchant account

Wallet Transfer

Transfer funds between customer wallets

Bank Transfer

Send funds to any Nigerian bank account

Freeze/Unfreeze

Temporarily suspend or reactivate wallet operations

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Operation Limits & Rules

Transaction Limits

All operations are subject to tier-based daily limits:
  • Tier 1: ₦50,000/day
  • Tier 2: ₦200,000/day
  • Tier 3: ₦5,000,000/day

Balance Limits

Maximum balance caps apply: - Tier 1: ₦50,000 - Tier 2: ₦200,000 - Tier 3: Unlimited

Transfer Fees

Current fee structure: - Wallet-to-wallet: ₦0 - Bank transfers: ₦10-25 - Merchant operations: ₦0

Processing Time

Operation speed:
  • Wallet operations: Instant
  • Bank transfers: 1-5 minutes
  • Verification: 24-48 hours

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Error Handling

Common error scenarios and solutions:
Error: Transaction amount exceeds available balanceSolution: Check wallet balance before initiating transactions or reduce transaction amount.
Error: Transaction would exceed daily tier limitSolution: Wait until the next day (resets at midnight WAT) or upgrade wallet tier.
Error: Cannot process transactions on disabled walletSolution: Enable the wallet using the enable endpoint or contact support if frozen for compliance reasons.
Error: Merchant transaction PIN is incorrectSolution: Verify your PIN in merchant settings. Contact support if locked out after multiple attempts.
Error: Wallet tier upgrade or operation requires additional verificationSolution: Complete the required KYC documentation for your target tier.

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Best Practices

Security

  • Never share merchant API keys
  • Use environment variables for credentials
  • Implement rate limiting
  • Monitor suspicious activity
  • Regularly rotate API keys

Transaction Management

  • Always check balance before debiting - Store transaction references - Implement idempotency - Use metadata for tracking - Handle webhooks properly

Error Handling

  • Implement retry logic - Log all API responses - Handle timeouts gracefully - Provide user-friendly messages - Set up monitoring alerts

Compliance

  • Verify customer identity
  • Maintain transaction records
  • Report suspicious activity
  • Follow tier requirements
  • Keep KYC documents updated

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What’s Next?

Tier System

Learn about tier requirements and limits

Manage wallet

View wallet details and balance information

Wallet controls

Manage wallet status: freeze, unfreeze, upgrade tier

Wallet transactions

Credit, debit, and transfer funds between wallets

API

Refer to our API Documentation for integration details