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Top up a wallet

There are several ways funds can be added to a customer’s wallet:
  1. Initiate a prepayment from the customer’s default automatic payment method
  2. Record an offline payment received outside Hyperline
  3. Add free funds
  4. Let customers top up independently from the customer portal
  5. Top up through the API
Paid top-ups are funds your customer pays for, acting as a prepayment. Free top-ups are an offer you are making to the customer.

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Initiate a prepayment

Use Initiate prepayment when the customer has a default automatic payment method, such as card or direct debit. Hyperline charges that payment method, adds the funds to the wallet, and generates a confirmation receipt. The receipt has no accounting impact. It confirms that Hyperline received a prepayment and credited the wallet.

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Record an offline payment

Use Record offline payment when the customer has already paid outside Hyperline, for example by bank transfer. Hyperline adds the funds to the wallet and creates a payment advance document with no accounting value. When recording an offline payment, you can optionally attach:
  • A bank account
  • A bank transaction from an Open Banking-connected bank account
  • A payment reference
  • An internal comment
Only bank accounts using the same currency as the wallet can be selected.

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Free top-ups

Use Add free funds when you want to credit a wallet without collecting payment. Hyperline adds the funds to the wallet and creates a credit note for accounting purposes. You can create the credit note immediately or keep it as a draft first.
Free wallet loads must be enabled in wallet settings before free funds can be added.

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API top-ups

Wallets can also be topped up through the API. Use the API when wallet loads should be triggered by your own product, backend workflows, or internal tooling.

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From the customer portal

You can let your customers top up independently through their portal.
1

Make sure you enabled the option

For this, you have to go to the wallet settings first.
Top-up limitationsIt is currently not possible to add more than $100 in one payment to a wallet, and the total balance of a wallet can’t be more than $500 for payments made through a customer portal.Paid top-ups added through Hyperline have no limitations.
2

Your customers are now able to top-up from their portal

They will be required to add a credit card as a payment method to do so.
3

Your customers choose how much they want to add to their wallet

Clicking on Top-up on this screen will trigger an immediate payment from the registered credit card and credit the wallets instantly.
4

The corresponding invoice is now created and visible on the portal

Invoices can be downloaded as PDF by the customer.

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Wallet debit

Customer wallets are automatically debited when the feature is enabled in the wallet settings and the wallet has a positive balance. Wallet funds are used to pay subscriptions, related invoices, and one-time payments. A wallet cannot have a negative balance. Hyperline automatically deducts the maximum possible amount from the wallet when paying invoices. Any remaining amount is charged to the customer’s default payment method. You can also charge a specific invoice from the customer’s wallet manually. In that case, choose the amount to charge, up to the lower of the invoice amount due and the current wallet balance. An invoice can combine multiple payment sources (e.g. wallet + credit card), and this breakdown is displayed on the generated PDF invoice.

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Revert a wallet transaction

You can revert wallet top-up transactions to remove funds that were previously added to a customer’s wallet.
Only top-up transactions (credit transactions) can be reverted. Debit transactions (consumption) cannot be reverted.

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How it works

When you revert a wallet transaction:
  • The credited amount is deducted from the current wallet balance
  • If the transaction was a free top-up, the related credit note is voided
  • If the transaction was a paid top-up, the amount is deducted from the wallet balance. If you need to refund the initial banking transaction, this must be done outside of Hyperline

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Requirements

A transaction can only be reverted if:
  • It is a top-up transaction (not a debit/consumption transaction)
  • It has not already been reverted
  • The wallet has sufficient balance to cover the reversal amount
Make sure the wallet balance is sufficient before reverting a transaction. If the balance is too low, the revert action will fail.

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Wallet balance & projection

Wallet balances are computed in real time in Hyperline. In addition to the wallet balance, we also compute and return a projected balance. This balance takes into account a projection of the future remaining money on the wallet after paying what will be due in the current period (subscription, usage). This is particularly useful for a pay-as-you-go use case when you want to restrict access to your product if the customer doesn’t have enough funds in their wallet.