Prepaid & Wallets

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What Are Prepaid & Wallet Models?

Prepaid and wallet-based models allow customers to fund value in advance and consume it over time—without relying solely on recurring billing or per-transaction charges.

Instead of charging at the moment of usage, businesses manage stored value, controlled consumption, and flexible entitlement access.

Prepaid Models

Prepaid models are ideal when customers want predictable spend or when recurring payments are not always reliable.

  • Prepaid Balance
    A fixed amount is paid upfront and consumed gradually until depleted.

  • Prepaid Packages
    Bundles of credits, units, or usage tokens sold as a one-time purchase.

  • Time-Based Prepaid
    Access granted for a predefined duration (days, weeks, sessions).

  • Usage-Based Prepaid
    Credits consumed per action, API call, transaction, or event.

Wallet Models

Wallets act as a persistent value container associated with a customer, account, or organization.

  • Stored Value Wallet
    A central balance usable across multiple products or bundles.

  • Multi-Currency Wallet
    Separate balances maintained per currency or region.

  • Shared / Corporate Wallets
    One wallet shared across teams, departments, or sub-accounts.

  • Hybrid Wallets
    Wallet balances combined with subscriptions or postpaid billing.

Why Prepaid & Wallets Matter

  • Reduce payment friction for high-frequency usage
  • Enable monetization in regions with limited card or recurring billing support
  • Give customers better cost control and predictability
  • Support offline, delayed, or batch consumption scenarios
  • Decouple value delivery from payment timing

How Azotte Handles Prepaid & Wallets

  • Wallets are entitlement-aware, not just balance-based
  • Consumption rules are enforced consistently across channels
  • Wallets integrate seamlessly with:
    • Subscriptions
    • One-time purchases
    • Campaigns and promotions
    • Multi-storefront pricing
  • Full lifecycle tracking: load → consume → expire → refund

Typical Use Cases

  • Credits-based SaaS platforms
  • B2B usage-driven services
  • Marketplaces and platforms
  • Telecom, messaging, and API-based products
  • Hybrid subscription + usage business models