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Wallet

Your wallet is the prepaid balance that funds the rewards you hand out — it's where your money sits before it's spent on things like gift cards, and where you can see exactly what's gone out and why.

Think of it as an account balance held for you inside Paylode. You add funds to it, and Paylode draws from it when you place an order that costs money. Because the balance is prepaid, there's no card charged at the moment of purchase: an order either has enough balance behind it or it doesn't. The wallet gives you a running balance and a full history of every movement, so spending is auditable down to the individual transaction.

Your wallet is created automatically the first time it's needed and starts at zero. Balances are tracked per currency — US and Canadian dollars (USD and CAD) today, with room for other currencies to follow; check with your Paylode contact for which currencies are available to your account before you plan around a specific one.

How it works​

The wallet has two things you read: a balance and a transaction history.

  • Balance is held per currency. Each currency you hold shows its own current amount — so a wallet might report a US-dollar balance independently of a Canadian-dollar one.
  • Transactions are the individual movements that produced that balance. Every movement is a separate, immutable record; the balance is just the sum of them.

A transaction falls into one of three shapes:

KindWhat it means
Top-upMoney added to your wallet, raising your balance.
ChargeMoney spent from your wallet — for example, funding a reward order.
ReversalA prior transaction undone, restoring the amount it had moved.

A reversal doesn't erase the original record. Instead a new, linked transaction is created that undoes the movement, and the original is marked as reverted — so the history always shows what happened, including that it was later reversed.

Reading a transaction​

Each transaction carries the fields you need to reconcile it against your own records:

  • amount and currency — how much moved.
  • created_at — when it happened.
  • context — a human-readable description and the created_by identity that initiated it.
  • metadata — extra key-value context. You can read the keys meant for you; keys reserved for internal bookkeeping are not exposed on your view.
  • reverted — whether this transaction has since been undone, with links to the reversal when it has.
note

How long transaction history is retained is governed by Paylode's finance policy rather than a setting you control. If you need records for a specific retention period, confirm the current policy with your Paylode contact.