Stored value
Stored-value capability: issue balances, take top-ups, apply spend rules and keep history. The commercial wallet product lives on the Digital Wallet Platform page.
What it does
A digital wallet holds value before a purchase. Organisations issue balances, take top-ups, choose a funding model, apply spend rules, keep history and attach a credential the holder presents at POS or online. A voucher is issued or promotional value, not this ongoing balance.
Problem it solves
People pay with cash or a one-off card charge, so there is no balance to top up, no spend rule, and no history an operator can review without reconstructing receipts.
Issue a wallet to a parent, student, employee or attendee and attach the credential they will present.
Add value through parent top-ups, event funding, employee allowances or other funding the organisation already uses.
Limit where or on what the balance can be used, such as meals, supplies or approved categories.
Keep purchase and top-up history on the wallet so operators can see movement without collecting cash records.
Step 1
Create a balance for the person who will spend and give them a way to present it.
Step 2
Take a top-up or apply the organisation funding model so value is available before the purchase.
Step 3
The holder spends at POS or ecommerce under the rules; operators later see the movement.
Bursars, event organisers and canteen admins see balances, top-ups and spend. They set funding and rules; they do not stand at the till for every sale.
The holder tops up or receives value, then spends it at a counter or in an online order.
Wallet-backed spend is one acceptance method, not the stored balance itself.
Most wallet spend is redeemed by staff on a till.
Online orders and top-ups can use the same stored value.
A voucher is issued value for a campaign; a wallet is an ongoing balance.
Explains the difference between controlled balances and simple payment acceptance.
Open resourceShows how stored value, top-ups and controlled spend work in a school environment.
Open resourceUseful when workplace dining needs allowances and stored value, not only card checkout.
Open resourcePlatform pages describe a capability. School, event, canteen and wallet commercial pages own the product.
Commercial wallet page for stored value as a product. This module page describes the capability only.
Community use-case of that wallet product for member groups and programmes. Not this module page.
This page explains the stored-value capability. /e-wallet is the commercial wallet product page for buyers comparing a wallet platform.
The community page is a use-case of the wallet product for member groups and programmes. This page describes the stored-value capability only.
No. A wallet is an ongoing balance that can be topped up and ruled. A voucher is issued or promotional value for a defined redemption.
Ready to talk
We can walk through the records, checkout or value flow this module owns, then show the commercial page that matches your environment.
