How the SaaS Wallet Works in Sparkforge

By Sparkforge Support Team ·Last reviewed May 3, 2026

The SaaS Wallet holds prepaid credits that pay for SMS, calls, and email at the sub-account level. Recharge it manually, set auto-recharge thresholds, or grant complimentary credits from the SaaS Configurator.

The SaaS Wallet is the prepaid balance Sparkforge uses to bill clients for usage-based services like SMS, voice, and email. The agency funds it from the client's card on file, and every send debits the wallet at your rebilling rate.

Where the wallet lives

Find it under Sub-Account Settings > Company Billing > Credits. From here you can recharge, set auto-recharge rules, and view transaction history via See Details.

How rebilling math works

If a client sends 100 messages with a hard cost of $10 and your rebill multiplier is 5x, the platform pulls $50 from the wallet. The agency pays the carrier $10 and pockets the $40 spread. Wallet recharges run through your Stripe account, so the client is paying the agency for the credits.

Some carrier charges land 6 to 24 hours after the event, so transaction timestamps may lag.

Four ways to add credits

Auto-recharge — set a top-up amount and a low-balance trigger in Company Billing > Credits.
Manual charge — hit Add Balance to charge the client's primary card on demand.
Monthly complimentary credits — grant free credits as part of a SaaS Plan from the SaaS Configurator.
Agency-issued complimentary credits — push one-time credits from the agency view.

Removing credits

Complimentary credits can be revoked directly from the wallet. Non-complimentary credits (the ones the client paid for) require a refund.

Refunding non-complimentary credits

Wallet credits and Stripe charges are linked but not auto-synced after the credits are spent. If a client added $100, used $40, and has $60 remaining, you can only refund the $60. Refunding the original $100 in Stripe creates a mismatch between the wallet ledger and your Stripe account.

Recharge retries

If a card declines on auto-recharge, the system retries on a schedule. SaaS Wallets cover telephone and email rebilling. Agency Wallets handle ISV (premium feature) charges and follow the same retry logic.

Trial behavior

If your SaaS plan includes a trial, you can choose whether complimentary credits are issued during the trial or only after conversion.

Frequently Asked Questions

Can I refund the full Stripe charge if the client already used some wallet credits?

No. Only refund the remaining wallet balance. Refunding the original amount creates a mismatch between Stripe and the wallet ledger.

How long until usage charges show up in the wallet?

Some charges from the carrier land 6 to 24 hours after the event, so the wallet may not reflect a send instantly.

Where do I set monthly complimentary credits?

Open the SaaS Configurator, edit the SaaS Plan, and set the monthly credit amount. Credits drop into each sub-account on that plan automatically.

Who pays the carrier — the client or the agency?

The agency pays the carrier directly. The client's wallet is then debited at the rebill rate you set, and recharges go through the agency's Stripe.