A Wallet is provisioned for every account where credits can be loaded. Some APIs incur upstream charges per API call that are deducted from the wallet. Please note that a subscription is required to access Sandbox APIs, and wallet charges are in addition to the subscription fee. Wallet charges cover the following expenses, which are applicable based on the API called.

  • Upstream charges from vendors like banks, GSPs, Account Aggregators, TIN FCs, etc.
  • Licensing charges
  • IP charges
  • Credit, Email or SMS charges


Wallet credits do not have expiry and are always carried forward.


Wallet charges are only applicable on 2xx calls.