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Every Sandbox account includes a dedicated Wallet for prepaid API charges. Load funds via payment gateway or bank transfer to pay for APIs that incur per-call wallet charges.
Wallet funds never expire and remain in your account indefinitely.

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Virtual account

Each Sandbox account receives a unique virtual bank account for adding funds. Top up your wallet using any of these payment methods:
  • UPI - Instant transfers using UPI apps
  • IMPS - Immediate Payment Service for real-time transfers
  • NEFT - National Electronic Funds Transfer
  • RTGS - Real Time Gross Settlement for larger amounts
After you add funds, your wallet automatically pays for APIs that incur wallet charges.

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Understanding wallet balance

Your Sandbox Wallet displays two balance indicators to provide accurate fund availability.

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Effective balance

The Console prominently shows the effective balance. It displays the actual spendable amount after accounting for pending deductions:
This ensures you always see the real amount available for API usage.
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displayed
The spendable balance after deducting unbilled charges. This is the primary balance shown in your Console and represents funds available for immediate use.

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Closing balance

The closing balance represents total actual funds in your wallet’s virtual bank account, similar to a traditional bank statement closing balance.
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actual
The total funds in your wallet before deducting unbilled charges. View your closing balance in the wallet statement.

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Wallet charges

Certain APIs incur additional per-call charges deducted from your wallet. These charges are separate from your subscription fee and cover:
  • Upstream vendor fees (Banks, GSPs, Account Aggregators, TIN FCs)
  • Licensing and IP-related charges
  • Credit, email, or SMS service charges
You need an active subscription to access Sandbox APIs. Wallet charges are in addition to subscription fees.

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APIs with wallet charges

The following APIs incur per-call wallet charges on successful requests:
Wallet charges apply only to successful API calls with 2xx status codes. Failed requests do not deduct wallet balance.