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Embedded Finance · Wallet Infrastructure

Wallets on your platform — what it takes, and where to start.

Wallet infrastructure lets a platform hold and show a balance for each user. Here is what it involves, how it differs from accepting wallets, and what Paynancial publishes today.

Ask about availability Explore the Payment Gateway
  • What a wallet is
  • Accept vs run
  • Published facts only
  • Talk to our team
In short

Wallet infrastructure lets a platform hold a stored balance for each of its users. Paynancial does not describe wallet infrastructure on this site; what it publishes is accepting wallets as a payment method at checkout. The regulatory requirements for running a wallet are not summarised here until they have been verified against official sources.

Overview

What wallet infrastructure means on Paynancial.

Two things are often both called "wallets". Accepting wallets means your customers pay you from a wallet they already have — the Paynancial Payment Gateway accepts wallets alongside cards, UPI and netbanking. Running a wallet means your platform holds a balance for each user that they can top up and spend — that is wallet infrastructure.

Running a wallet changes how money flows through your product, and it comes with its own regulatory requirements. Many platforms find that what they actually need is simpler: a record of what each user is owed, settled by payouts. Talk to our team before you design around a stored balance.

Availability: Wallet infrastructure — holding and showing a balance for each user — is not described on this site, so no wallet capability is claimed here. Accepting wallets as a payment method is a Payment Gateway feature.
Confirm with our team before you plan:
  • Whether a stored balance is what your product needs
  • Who would issue the wallet
  • KYC for your users
  • How balances would be funded, used and withdrawn
How it works

Step by step.

  1. 01
    Define the need

    Decide whether users need a spendable balance, or just a record of what they are owed.

  2. 02
    Check the requirements

    Take professional advice on the rules that apply to a stored balance, from the official sources.

  3. 03
    Decide who operates it

    Work out who would operate the wallet and under what arrangement.

  4. 04
    Plan verification

    Decide how you will verify each user before they hold a balance.

  5. 05
    Talk to our team

    Share your requirements before you build.

Published today

What Paynancial offers now.

Related capabilities — not wallet infrastructure.

Accept wallets
Customers can pay from wallets at checkout, alongside cards, UPI and netbanking.
Payouts
Pay users what they are owed, to a bank account or UPI ID.
Refunds
Full or partial refunds against the original payment.
Settlement records
Every transaction is tied to a settlement record.
Webhooks
Events for payments, payouts, refunds and settlements.
Reports
Transaction reports for any date range.
Where it lives

Across the Paynancial platform.

Wallet Infrastructure is not a separate system — it runs through the products and tools you already use.

Wallet Infrastructure across Paynancial
WhereWhat you get
Payment GatewayWallets as a payment method. See Payment Gateway.
Embedded PayoutsPaying users what they are owed. See Embedded Payouts.
RefundsReturning money to a customer. See Refunds.
Our teamWallet requirements. Ask about wallet infrastructure.
Good practice

Getting it right.

  1. 01
    Start from the user need

    A balance you owe a user and a balance a user can spend are different products with different rules.

  2. 02
    Get regulatory advice early

    Speak to a compliance adviser before designing a stored balance.

  3. 03
    Keep a clean ledger

    Whatever you build, record every movement of each user's money.

FAQ

Wallet Infrastructure questions.

What is wallet infrastructure?

The systems that let a platform hold and show a stored balance for each of its users, which they can top up and spend.

Does Paynancial offer wallet infrastructure?

Wallet infrastructure is not described on this site, so no wallet capability is claimed. The Payment Gateway accepts wallets as a payment method, which is different from running a wallet.

Is running a wallet regulated?

Running a wallet comes with regulatory requirements. Paynancial will publish a summary only once it has been verified against official sources; take professional advice before designing a stored balance.

What is the alternative to a wallet?

Many platforms only need a record of what each user is owed, settled by payouts to a bank account or UPI ID. Talk to our team before designing around a stored balance.

Related products
Payment GatewayCards, UPI, netbanking and wallets through one integration.Explore Embedded PayoutsTechnology partners embed the Payout API so a platform can pay the people on it — to bank accounts and UPI IDs, one at a time or in bulk — straight from its own systems.Explore Embedded PaymentsTechnology partners embed Paynancial's Payment API directly in their software, build their own checkout on top of it, and get a real-time status and a webhook for every payment.Explore Embedded FinanceSaaS platforms and marketplaces embed Paynancial's Payment, Payout and Billing APIs directly, so money moves inside their own product instead of on someone else's.Explore

Ask about wallet infrastructure.

This capability is not confirmed as a Paynancial product. Tell us what you need and our team will tell you what is available.

Ask about availability Explore all products