You can add money to your balance at a business that uses account balances, if you belong to that business. Wallet is in your account menu when you hold a balance or a claimed gift card, or when a business you belong to offers top-ups.
- Go to Account > Wallet.
- Expand the business and select Top up. If you owe the business something, Top up is next to Amount due. If you have no balance there yet, select Top up next to Top up your balance at the business.
- Choose 25, 50, or 100, or enter a whole amount from 10 to 1,000 under Or enter an amount. Amounts are in the business's currency.
- Select Continue with the amount, then pay by card, Apple Pay, or Google Pay.
Your balance goes up as soon as the payment is confirmed. If the payment does not go through, no money is taken.
A top-up is not a purchase, so it has no VAT invoice. VAT is charged on what you later pay for with the balance.
If you owe the business something, a top-up pays off the Amount due first. Only what is left is added to your account credit. For example, if you owe 8 and top up 50, you owe nothing and have 42 of account credit. If the top-up does not cover what you owe, the receipt says it paid part of what you owe and shows the Amount due.
If you no longer want money you paid in and did not spend, ask the business. They can refund it: a top-up you paid online goes back to the card you paid with, and money you paid at the desk or a balance carried over goes back in cash or by bank transfer. Course credit from a cancellation stays credit. Nothing is refunded while you owe the business something.
If a top-up payment is refunded in any other way, the whole top-up amount is taken out of your account balance, less anything the business already refunded to your card from it. If you had already spent it, or it paid off money you owed, that amount is owed again and shows as Amount due. Gift cards are not affected. If the payment is disputed with your bank, the same amount is held while the dispute is open. It becomes spendable again only if the business wins every dispute on that payment.
Money a business adds for you#
A business can also add money to your wallet at the desk, for example when you pay in cash. Ask at the desk if you want a receipt: the business can email one with the amount added and your new wallet balance, or print one if it has a receipt printer.
Money added to your balance, by you or by the business, does not expire. It is part of your Account balance, which has no code and no expiry date.
Emails about your account#
A business can choose to email you about your account. Each business decides whether it does:
- When a purchase takes your account below zero. You get one email each time it goes below zero, not one for every purchase after it.
- When your balance falls below an amount the business sets.
- On the 1st of each month, a statement of the month before, if your account had movements that month or ended it below zero: the movements in and out, your balance at the start and the end of the month, and what you owe. Unused balance the business paid back shows as Balance refunded. A card refund that did not go through shows as well, as Refund returned to your wallet, so the statement adds up. If there are more than 40 movements, your wallet lists the rest.
- When something you owe stays unpaid for the number of days the business sets, a reminder that lists everything you owe it.
Pay now in an email opens your wallet with a top-up at that business, filled in with what you owe at that moment, in the business's currency, as the smallest whole top-up that covers it. A top-up is from 10 to 1,000. If you paid part of it in the meantime, it is filled in with what is left. Anything you pay beyond what you owe is added to your account credit.
If you owe more than 1,000, the email says how much you can pay online and to contact the business for the rest. A debt in another currency has no Pay now: the email says to contact the business. A course instalment or a membership payment in a reminder is paid with the business, not with Pay now.