Funding Wallets

Each organization in Acclaim has one or more wallets that hold funds. Wallets are funded from settlement accounts, which are external bank or treasury accounts you connect to Acclaim.

Funding is what enables your organization to make payouts and cover related fees. You can add funds manually from the Acclaim Console or automatically through the API.

Linking a Settlement Account

Settlement accounts connect your Acclaim environment to your external banking network.

You can add and manage settlement accounts in the Acclaim Console under Settings → Settlement Accounts.

• Each settlement account is tied to a specific currency.
• You can link multiple settlement accounts if you manage funds across currencies or business units.
• All settlement accounts must be verified before they can fund wallets or receive withdrawals.

Funding Through the Console

You can fund a wallet directly from the Acclaim Console:

1. Navigate to Wallets in the sidebar.
2. Choose the wallet you want to fund.
3. Click Add Funds.
4. Select a linked settlement account.
5. Enter an amount and confirm.

The Console will display the transaction once the funds are in flight and update the wallet balance once they are cleared.

Funding via API

Funding can also be initiated programmatically through the API.

At a high level, you’ll specify:

• The settlement account ID (source of funds).
• The wallet ID (destination).
• The amount and currency.

You can then monitor the transfer status via webhooks or polling the transaction resource.

This enables automated funding workflows — for example, topping up a wallet when its balance falls below a defined threshold.

Checking Wallet Balances

To verify that a wallet has sufficient funds:

• Open the Wallets page in the Console to view balances for each wallet.
• Use the API to retrieve wallet details and check the balance field.
• Subscribe to the wallet.balance_updated webhook to get real-time updates.

Wallet balances are always shown in the smallest currency unit (for example, 100 = $1.00).

Best Practices

• Separate operational wallets by purpose — such as commissions, claims, or reimbursements.
• Monitor balances regularly to avoid failed payouts due to insufficient funds.
• Automate funding with rules or schedules that trigger top-ups when needed.
• Reconcile funding transactions alongside payout activity to maintain accuracy across systems.