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WhatsApp Wallet: Manage Messaging Credits

The WhatsApp Wallet is the prepaid balance for eligible production WhatsApp sends when wallet billing is enabled for the deployment. One wallet credit equals one naira. The wallet belongs to the tenant and is separate from AI credits.

When wallet billing is disabled, this billing service does not debit the wallet; the connected WhatsApp account uses its configured payment arrangement. Confirm which billing mode applies before topping up.

What Uses Wallet Credits

Credits may be used by:

  • Broadcasts.
  • WhatsApp messages sent by workflows.
  • Template, interactive, and WhatsApp Flow messages.
  • Booking messages sent through WhatsApp.

Broadcast test sends do not use wallet credits.

Open the Wallet

  1. Open your Workspace.
  2. Go to Marketing.
  3. Select WhatsApp Wallet.

The page shows your available balance, wallet status, and transaction history. If the wallet is inactive or does not have enough balance, eligible production sends are blocked.

Top Up

  1. Select Top Up.
  2. Enter the number of credits to add.
  3. Continue to the secure checkout page.
  4. Complete payment and return to Nviti.
  5. Confirm the credit appears in your transaction history before launching a campaign.

Payment-provider charges, where applicable, are shown during checkout or governed by your payment arrangement.

Understand Transactions

  • Credit — a top-up, eligible refund, bonus, or approved adjustment.
  • Debit — a charge for an outbound WhatsApp send.
  • Reference — helps match a transaction to a top-up or messaging activity.
  • Description — explains the campaign or message type associated with the movement.

Nviti reserves the configured amount when it attempts an eligible send. If the provider rejects the request in a way that qualifies for an automatic refund, a matching credit appears in the history. Delivery and billing outcomes can arrive at different times, so review both the campaign results and wallet history when investigating a send.

Plan Campaign Spend

Nviti uses configured category rates and the configured naira exchange rate, or a configured rate for the message type. The wallet service does not calculate a separate destination-country rate for each recipient. Use the estimate shown in Nviti when available, maintain a buffer, and review the resulting transactions after a campaign.

Insufficient Balance

When there are not enough credits, the affected message is not sent. Top up the wallet, then retry eligible failed recipients from the broadcast details.

Best Practices

  • Top up before scheduling a large campaign.
  • Keep a buffer above the estimated cost.
  • Review the selected account, audience, and template before sending.
  • Check transaction history after every major campaign.
  • Investigate repeated debit-and-refund pairs; they may point to an account, template, or recipient issue.
  • Limit wallet access to trusted team members.

Keywords

WhatsApp wallet, messaging credits, wallet balance, campaign cost, top up, refund, WhatsApp marketing spend