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Payfonte assigns wallets per merchant and market to separate collection inflows from disbursement outflows.

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Wallet Types

Collection Wallet (Deposit)

Incoming payment funds are settled here first. Use this wallet as your primary collection balance.

Disbursement Wallet (Disbursement)

Disbursement and transfers are deducted from this wallet when you run disbursements.

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Wallet Status

Wallets can appear in these states:
StatusMeaning
activeWallet can receive and send funds based on configured operations.
post-no-debitWallet can receive funds, but outgoing debits are blocked.
post-no-debit is commonly used as a safety control when credentials or disbursement controls may be compromised.

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Wallet Operations

Transfer funds between wallets

Move funds from collection wallet to disbursement wallet when you need disbursement liquidity.
Apply a suspend/post-no-debit control to stop outgoing deductions while investigations or security checks are ongoing.
Remove restrictions when controls are restored and your account is verified as safe.

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Fetch Wallet Balances via API

Use the wallet endpoint to query current balances by country and currency. 
curl --location 'https://api.payfonte.com/billing/v1/wallets?country=NG&currency=NGN' \
  --header 'client-id: <your-client-id>' \
  --header 'client-secret: <your-client-secret>'
Sample response shape: 
{
  "data": [
    {
      "type": "deposit",
      "amount": 1250000,
      "currency": "NGN",
      "country": "NG",
      "status": "active"
    },
    {
      "type": "disbursement",
      "amount": 500000,
      "currency": "NGN",
      "country": "NG",
      "status": "active"
    }
  ]
}
1

Monitor collection inflow

Track funds entering your deposit/collection wallet after successful transactions.
2

Fund disbursement wallet proactively

Transfer enough balance to disbursement wallet before high-volume disbursement runs.
3

Alert on low disbursement balance

Set internal alerts so disbursement operations do not fail due to insufficient wallet funds.
4

Apply security controls quickly

If compromise is suspected, suspend outgoing wallet operations and rotate credentials immediately.

Authorization

Secure wallet API calls with required headers.

Disbursements

Learn disbursement flows that use your disbursement wallet.

API Reference

Full endpoint details for wallet queries.