Read the balances
- Available balance is money that can fund supported wallet actions or a withdrawal, subject to the current workflow.
- On-hold or pending amount is not yet available. It may represent a deposit, settlement, withdrawal, or review that has not reached its final state.
- Subscription reward credit is separate from wallet money. It can reduce eligible Vacto subscription invoices but is not customer-payment money and cannot be withdrawn as wallet cash.
Add funds
- 1
Open Wallet from Select store.
The wallet belongs to the seller account and can support the account's stores.
- 2
Choose the available top-up method.
InstaPay/manual top-ups require real proof and Vacto review. Card top-up appears only when the online payment availability gate is open.
- 3
Enter the exact amount and reference.
Upload a clear, redacted proof through the provided secure upload control when required.
- 4
Submit once.
The top-up remains Pending until verified, then becomes Approved or Failed/Rejected. Do not resubmit the same transfer.
Charges, settlements, and withdrawals
Subscription renewals use the Vacto Wallet first. When the wallet can cover the canonical invoice, the renewal debit and subscription application happen together. Wallet transaction history is the record to use for that debit.
After provider verification, Vacto deducts the plan’s service fee from the gross online checkout amount before crediting the net proceeds to your available wallet balance. This fee does not apply to COD or manual transfers and is not charged again at withdrawal.
Request a withdrawal from Wallet with your amount and payout details. An active wallet and sufficient available balance are required. The requested amount is held while Vacto reviews it, stays held after approval until marked paid, and returns to available balance if rejected. Check the request status for progress; payout timing is not guaranteed.