Wallets

A Wallet is the core funding account in 4pay.cc. It holds a balance that you use to issue cards and pay fees. Each wallet is connected to a specific card provider and currency.

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Wallet Lifecycle

GET /wallets/providers  →  choose provider
POST /wallets           →  create wallet (async)
GET /wallets/{id}       →  check status & balance
PATCH /wallets/{id}     →  update name, fees, BIN config
POST /wallets/{id}/deactivate  →  deactivate
POST /wallets/{id}/activate    →  reactivate

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Wallet Object

{
  "id": "8f3d0c3d-9f3e-4ef6-8fae-c3169025dfcb",
  "name": "Business Wallet",
  "balance": "1000.00",
  "availableBalance": "950.00",
  "holdedBalance": "50.00",
  "currency": "USD",
  "status": "active",
  "cards": 5,
  "allowedCardTypes": ["virtual", "physical"],
  "isTransferAllowed": true,
  "fees": {
    "cardTransactions": {
      "type": "percent",
      "percent": "2.5",
      "inherited": false
    },
    "cardIssuing": {
      "type": "amount",
      "amount": "5.00",
      "currency": "USD",
      "inherited": true
    }
  },
  "createdAt": "2025-06-02T15:38:49+00:00",
  "updatedAt": "2025-06-02T15:38:49+00:00"
}

Balance Fields

Field	Description
balance	Total wallet balance
availableBalance	Balance available to spend (balance minus holds)
holdedBalance	Amount currently on hold

Wallet Statuses

Status	Description
active	Wallet is operational
inactive	Wallet is deactivated — no card issuance or spending

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In This Section

• Get Providers — list available card providers
• Create Wallet — create a new wallet
• List & Get Wallets — view wallets and details
• Update Wallet — change name, fees, BIN config
• Activate / Deactivate — toggle wallet status
• Wallet Limits — view issuance restrictions
• Transfer Balance — move funds between wallets