ISP Wallet Management — Streamline Payments with Digital Wallets
Manage digital wallets for ISP subscribers and partners. Prepaid balance, auto-renewal deduction, commission credits, immutable ledger, and settlement tracking.
Quick answer
Cash collection, delayed payments, and manual reconciliation drain ISP resources. Digital wallets solve this — subscribers pre-load balance for auto-renewal, partners collect and hold funds, and commissions credit instantly. NowaCRM's wallet system is built on immutable ledgers with pessimistic locking for financial integrity.
Subscriber Wallets
Subscribers can top up their wallet via Razorpay, UPI, or bank transfer. Wallet balance is used for auto-renewal — when a plan expires, the renewal amount is deducted automatically. Subscribers can also purchase add-ons and speed boosters from their wallet. Balance visibility on the self-service portal encourages pre-loading.
Partner Wallets & Commission Credits
Every partner has a wallet that receives commission credits in real-time. When a subscriber in the partner's hierarchy makes a payment, commission is calculated and credited instantly. Partner wallets also track collections — payments received from subscribers on behalf of the ISP. Settlement can be initiated when balance reaches a threshold.
Immutable Ledger Architecture
Every wallet transaction creates an immutable ledger entry — credit or debit, amount, running balance, reference transaction, timestamp, and user. Ledger entries cannot be modified or deleted after creation. This ensures complete financial auditability and prevents tampering. Disputes can be resolved by reviewing the ledger chain.
Top-Up & Settlement Workflows
Subscriber top-ups are instant via payment gateway webhooks. Manual top-ups by partners require approval workflow. Partner settlements (withdrawal from wallet) go through request → approval → bank transfer flow. Settlement history with bank references is maintained for reconciliation.
Wallet Reports & Analytics
Track wallet balances across all subscribers and partners. Identify inactive wallets (opportunity for engagement). Monitor top-up frequency and amounts for cash flow forecasting. Partner wallet reports show commission earned vs. settled for financial planning. GST on wallet credits is tracked separately.
Frequently Asked Questions
How do subscriber wallets work?
Subscribers load balance via payment gateways. Wallet is auto-debited for plan renewals, add-ons, and speed boosters. Balance and transaction history are visible on the self-service portal.
Are wallet transactions tamper-proof?
Yes. Every transaction creates an immutable ledger entry that cannot be modified or deleted. The ledger maintains a complete audit chain for financial integrity.
How do partner commissions work with wallets?
When a subscriber pays, commissions are calculated and credited to partner wallets instantly. Partners can request settlement when their balance reaches the configured threshold.
Can subscribers auto-renew from wallet?
Yes. If wallet balance is sufficient, plan renewal amount is auto-deducted on expiry. Invoice is generated and service continues without interruption.
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