Your wallet shows gift cards you have claimed, money you or a business added to your balance, and account credit a business has issued to you. Balances are grouped by the business that issued them. If a business lets you spend from someone else's account, it is listed too. See Spend from someone else's account.
Claim a gift card#
Use the claim link in the gift card email. When you are signed in, the card is added to your wallet as the page opens. If you are signed out, sign in or create an account first, and the card is added when you come back to the page.
Without the email, open the claim page at naayya.com/claim-gift-card, enter the Gift Card Code (it looks like GC-XXXX-XXXX), and select Look Up Gift Card. When you are signed in, the card is added to your wallet right after the lookup. If it cannot be added, the page says why and keeps Claim Gift Card so you can try again. If you are signed out, sign in or create an account after the lookup, and the card is added when you come back.
If Wallet is in your account menu, Claim at the top of the page opens the same claim page. On Overview, Claim it under What you have opens it too, with or without a balance.
You can also claim a gift card while you pay, without leaving checkout. Select Apply gift card or promo code, enter the code, and select Apply. The card is added to your wallet, and where wallet balance can pay for that purchase, it is used toward the total. You need to be signed in to apply a gift card.
After the gift card is claimed, its remaining balance appears in your wallet. If you cannot claim it, check that the code has not already been claimed, expired, or cancelled.
Top up your balance#
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.
Use wallet balance#
When you book or buy from a business with available wallet balance, choose the wallet option at checkout if it is offered for that purchase. At a business's point of sale, staff can also take payment for a shop item, such as a drink, from your wallet.
Gift card balance is spent first, then money added to your balance.
Wallet balances belong to the business that issued them.
Charge to your account at the desk#
A business can let you put purchases at its desk on your account and pay later, up to a limit it sets for you. This is for shop and bar items, such as a drink, that staff sell at the point of sale. Your gift card balance and account credit are used first. The rest is what you owe, shown as Amount due. Each business decides whether it offers this and what your limit is.
A balance from one business is shown separately from balances issued by another business.
Charge to your account online#
A business that lets you charge to your account at the desk can also let you charge your own online purchases. Each business decides whether it offers this. It uses the same limit as at the desk.
When it is offered, checkout shows Charge to my account. You can use it for a class, a class pack, a shop order, or a court or other appointment you book online. You see it only when:
- You are signed in and have paid the business before, or hold a membership with it, and the business has not removed you as a customer. Until you have paid a business once, you cannot charge to your account there online.
- Your gift card balance and account credit do not cover the price. If they do, you pay with them as before. A court or other appointment is the exception: your balance alone does not pay for it online, so you pay by card and checkout does not show Charge to my account.
- Your account can take the whole price: your gift card balance, account credit and what is left of your limit add up to at least the price.
To charge an order to your account:
- At checkout, switch on Charge to my account. Checkout shows how much is added to your amount due.
- Select Charge to my account to confirm.
No card is charged. Your gift card balance and account credit are used first, and the rest is added to your Amount due. A top-up pays it off first. See Top up your balance.
You cannot put part of an order on your account and pay the rest by card. If your account cannot take the whole price, checkout does not show Charge to my account, and you pay another way. For a court, that means you pay the whole booking by card.
A court or other appointment works the same way. The time is held for you while you check out. When you confirm, the time is booked and no card is charged. If your hold on the time ends before you confirm, nothing is charged and you choose a time again. If it ends as you confirm, the booking is not made and nothing stays charged to your account.
A pack you buy in the same checkout as a booked time can also be charged to your account. A pack for courts or appointments that you buy on its own, without a time, cannot.
You cannot charge a membership, a gift card, an account top-up or a program to your account online. The Naayya app does not offer Charge to my account. If your account can no longer take the order when you confirm, checkout says so and nothing is charged.
Spend from someone else's account#
A business can allow you to spend from another customer's account at that business, for example a family member's account or a shared account named Team tab. The business sets this up. You cannot add yourself.
See the accounts you can spend from#
Go to Account > Wallet. If Wallet is not in your account menu, open naayya.com/account/wallet.
Under Accounts you can spend from, each business lists the accounts you can charge purchases to. Each account shows:
- Its name: the name the business gave it, such as Team tab, or the account holder's first name, such as Anna's account. Shared account shows when it has neither.
- Your daily limit on it, or No daily limit.
- What you can charge to it today, for example Up to €50 today at the desk. This already takes your daily limit into account. Online, checkout decides again what the account can take.
You see the account's name and what you can charge. You do not see the account holder's balance, what they owe, or their activity.
What you can charge to it#
- You spend only from that account. Your own gift cards and account credit are not used, and neither are the account holder's gift cards.
- A charge must fit what the account can take and your daily limit. Your daily limit is the most you can charge to the account in one day. The day follows the business's time zone.
- The booking or purchase is yours. The money comes from the account.
- The account holder sees each charge in their activity, with your first name. The account holder stays responsible for the account.
- If the business takes you off the account's list, or removes you as a customer, you can no longer charge to it. What you already charged does not change.
Charge an online purchase to the account#
At checkout, you see Charge to and the account's name for each account that can take the whole order, for example Charge to Anna's account or Charge to Team tab. You can use it for a class, a class pack, a shop order, or a court or other appointment you book online.
It follows the rules for charging to an account online, decided for the account holder. You see it only when:
- You are signed in, you are on the account's list, and the business has not removed you as a customer.
- The business lets customers charge to their account online, and the account holder could charge online themselves. For example, an account holder who has never paid the business and holds no membership cannot.
- The account can take the whole price, and the price fits your daily limit. The account can take its credit and what is left of the account holder's limit.
To charge an order to the account:
- At checkout, switch on the account's choice, for example Charge to Team tab. Switching it on switches off any other choice, such as Charge to my account. Checkout says, for example, This order goes on Team tab. No card is charged.
- Select the button with the same name to confirm.
No card is charged. The whole price goes on that account. You cannot put part of an order on the account and pay the rest by card, or split it between accounts.
You cannot charge a membership, a gift card, an account top-up or a program to someone else's account online. The Naayya app does not offer it. If the account can no longer take the order when you confirm, or you can no longer spend from it, checkout says so and nothing is charged. Pay by card instead.
Pay from the account at the desk#
At a business's point of sale, staff can take payment for a shop item, such as a drink, from the account, or close your tab on it. Ask staff to choose the account by name, such as On Anna's account. The same limits apply.
View balances#
Go to Account > Wallet. Expand a business to see each entry:
- A claimed gift card shows its remaining amount, sender, code, and expiry date when there is one.
- Account balance is one amount: money you or the business added, a balance the business brought over for you, and course credit. It has no code and does not expire.
At a business that lets you charge to your account, the same line is called Account credit. When you owe the business something, Amount due shows under the business's total and as its own line. The total is what you can spend without owing anything, so an amount due does not make it smaller.
If the business has allowed other people to spend from your account, People who can spend from this account lists them with their daily limit, or No daily limit. When the account has a name, it shows as Account name: followed by the name.
If a gift card expires soon, the wallet marks it so you can use it before the expiry date.
See your wallet activity#
When you expand a business, Activity lists recent changes to your balance there, newest first, with the date, the amount, and your balance after it:
- Money added, Balance carried over, Gift card added, and Course credit added show value coming in.
- A payment from your wallet names what it paid for, such as the court and time, the class, or the items.
- A balance with a minus sign is what you owed the business at that point.
- Charged by and a first name shows on a payment that another person charged to your account. If that person has no first name on their profile, it reads Charged by another person.
- Returned to your wallet shows value given back, for example after a purchase that did not go through.
- Refunded to your card, Refunded in cash, and Refunded by bank transfer show unused money the business paid back to you. Refund to your card in progress shows a card refund the bank has not completed yet. If it does not go through, the amount comes back to your balance.
- Top-up refunded shows the amount taken out of your account balance when a top-up was refunded. It cannot be used.
- Top-up disputed shows the amount held while a top-up is disputed with your bank, or where the dispute was lost. If the business wins every dispute on that payment, the amount is spendable again and this line no longer shows.
- Expired shows gift card value that left your wallet when the card expired or was cancelled.
Send or download a gift card#
To manage gift cards you bought, open Gift Cards from the link in the gift card's confirmation email or on the page you see after buying it. It is not part of Wallet.
From there, you can:
- add or edit recipient details
- send or resend the gift card by email when it has a recipient
- download the gift card PDF
- check whether it has been claimed
- see its remaining balance and status
If you update the recipient after the gift card was already sent, saving the new details does not resend it automatically. Use Send or Resend when available.
If you manage gift cards for a business, see Gift Cards.
If the balance looks wrong#
Wallet balances update after top-ups, purchases, refunds, claims, and expiry. Check Activity for the business to see each change. If the balance still looks wrong after refreshing the page, contact the business that issued the gift card or credit.