> ## Documentation Index
> Fetch the complete documentation index at: https://developer.sandbox.co.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallet

> Manage your Sandbox Wallet, add funds, and understand wallet charges for API usage

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.

<Tip>
  Wallet funds never expire and remain in your account indefinitely.
</Tip>

## 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.

## Understanding wallet balance

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

### Effective balance

The Console prominently shows the effective balance. It displays the actual spendable amount after accounting for pending deductions:

```
Effective Balance = Closing Balance – Unbilled Charges
```

This ensures you always see the real amount available for API usage.

<ParamField path="Effective balance" type="displayed">
  The spendable balance after deducting unbilled charges. This is the primary balance shown in your Console and represents funds available for immediate use.
</ParamField>

### Closing balance

The closing balance represents total actual funds in your wallet's virtual bank account, similar to a traditional bank statement closing balance.

<ParamField path="Closing balance" type="actual">
  The total funds in your wallet before deducting unbilled charges. View your closing balance in the [wallet statement](https://help.sandbox.co.in/portal/en/kb/articles/view-and-download-wallet-statement).
</ParamField>

## 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

<Info>
  You need an active subscription to access Sandbox APIs. Wallet charges are in addition to subscription fees.
</Info>

### APIs with wallet charges

The following APIs incur per-call wallet charges on successful requests:

| Product | Category   | API                                         |
| :------ | :--------- | :------------------------------------------ |
| KYC     | Compliance | Aadhaar OKYC                                |
| KYC     | Compliance | DigiLocker API / DigiLocker SDK             |
| KYC     | Compliance | PAN Verification                            |
| KYC     | Compliance | Bank Verification                           |
| GST     | Compliance | Search GSTIN with PAN and State Code        |
| GST     | Analytics  | GSTR-2B Reconciliation with Purchase Ledger |
| TDS     | Reporting  | Prepare TDS Return                          |
| TDS     | Reporting  | Prepare TCS Return                          |
| TDS     | Compliance | Section 206AB & 206CCA Check                |
| TDS     | Compliance | e-File TDS Return                           |
| TDS     | Compliance | Download TDS Certificate                    |
| TDS     | Analytics  | Potential Notices                           |

<Warning>
  Wallet charges apply only to successful API calls with 2xx status codes. Failed requests do not deduct wallet balance.
</Warning>