Wallet & Credits
Every movement — top-up, reserve, spend, release — is an append-only row with an amount, a reference, and a timestamp. You always know where your money is.
Wallet
NGN · workspace_mackhamAvailable
₦7,640.00
From ₦10,000 top-up · ₦2,360 spent
Reserved
₦0.00
No pending campaigns
Last campaign
2 days ago
April promo — VIP segment
Recipients
944
Cost
₦2,360.00
Delivered
942
Lifecycle
Your campaign cost is reserved before send, settled after dispatch, and any unused amount returns on its own. Nothing is silently debited.
Top-up
You fund from ₦1,000. Recorded as a credit with a reference to the payment.
Reserve
At preflight, the estimated cost moves from available to reserved — never taken outright.
Spend
On dispatch, the reserve settles against the actual per-segment cost.
Release
Any unused reserve returns to available balance automatically.
Why this matters
The wallet is where trust is won or lost. We built it to remove the three things that made SMS billing feel opaque everywhere else.
Every kobo leaves the wallet with a reference — campaign id, recipient count, route — or it doesn't leave at all.
The reserve you see on preflight is the ceiling for that campaign. Anything unused returns to your available balance, not our pocket.
Top-up, reserve, actual spend, release — each a discrete row you can match against your accounting or your bank statement.
Ledger
This is the ledger view for a single campaign — top-up, reserve, actual spend, release-back. Append-only by design: nothing is edited, nothing is deleted.
Ledger
NGN · append-onlyTop-up payment
Card · paystack_ref_0421
+₦10,000.00
Balance
₦10,000.00
Reserve — April promo
Estimated at preflight
−₦2,480.00
Balance
₦7,520.00
Actual spend — April promo
Settled after dispatch
−₦2,360.00
Balance
₦7,520.00
Released back
Over-reservation released
+₦120.00
Balance
₦7,640.00
Receipts
Itemized invoices are issued for every top-up, downloadable as PDF from your billing dashboard. Useful for reconciliation and audit.
Invoice
SMS-2026-001247smspostam
Operated by PostAm Swift Networks Ltd
Billed to
Mackham Ltd
mackham@example.ng
Invoice
SMS-2026-001247
Issued 18 Apr 2026
Paid via card. Download as PDF from Billing.