Wallet & Credits
A wallet built like a ledger.
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
Four states. No surprises.
Your campaign cost is reserved before send, settled after dispatch, and any unused amount returns on its own. Nothing is silently debited.
- 1
Top-up
You fund from ₦1,000. Recorded as a credit with a reference to the payment.
- 2
Reserve
At preflight, the estimated cost moves from available to reserved — never taken outright.
- 3
Spend
On dispatch, the reserve settles against the actual per-segment cost.
- 4
Release
Any unused reserve returns to available balance automatically.
Why this matters
Financial control, not just wallet functionality.
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.
No silent debits
Every kobo leaves the wallet with a reference — campaign id, recipient count, route — or it doesn't leave at all.
No mystery charges
The reserve you see on preflight is the ceiling for that campaign. Anything unused returns to your available balance, not our pocket.
Full reconciliation after every send
Top-up, reserve, actual spend, release — each a discrete row you can match against your accounting or your bank statement.
Ledger
See exactly what happened to every kobo.
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 · SMSPSTM_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
Every top-up comes with an invoice.
An itemized invoice is issued for every top-up — emailed as a receipt and downloadable as PDF from your billing dashboard. Useful for reconciliation and audit.
Invoice
SMS-2026-001247PostAm SMS
Operated by PostAm Swift Networks Ltd
Billed to
Mackham Ltd
mackham@example.ng
Invoice
SMS-2026-001247
Issued 18 Apr 2026
- Subtotal
- ₦10,000.00
- VAT (0%)
- ₦0.00
- Total
- ₦10,000.00
- Paid
- ₦10,000.00
Paid via card. Download as PDF from Billing.