> ## Documentation Index
> Fetch the complete documentation index at: https://docs.uknvas.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallets and billing

> Balances, transactions, invoices and how purchases are charged.

## With an API key

| Method | Path | Scope |
| - | - | - |
| GET | `/wallets` | `wallets:read` |
| GET | `/transactions?…` (as above) | `wallets:read` |
| GET | `/invoices` | `billing:read` |
| GET | `/pricing` | `billing:read` |
| POST | `/sandbox/deposits` — `currency, amount` + `Idempotency-Key` | `wallets:read`, sandbox only |

The same data is available to dashboard members under `/organizations/:orgId/…`; see [Organisations](https://docs.uknvas.com/organisations.md).

## How billing works

Each organisation is **prepaid** (default) or **postpaid**, set by GTW.

* **Prepaid**: purchases are taken from the wallet balance. Not enough →
  `402 insufficient_funds` with `details.available` / `details.required`.
* **Postpaid**: purchases go on credit, up to a per-currency credit limit,
  with no balance needed. Past the limit → `402 credit_limit_exceeded`.
  Refunds that exceed a period's charges first settle open invoices, then
  carry forward (`creditCarried`) to reduce the next one.
  GTW issues an invoice every `invoiceIntervalDays`; each is due
  `paymentTermsDays` after issue. While any invoice is overdue, credit
  purchases stop with `402 invoice_overdue`.

`GET /wallets` shows per currency: `balance` (prepaid), `owed`,
`creditLimit`, `availableCredit`, and `spendable` (what a purchase can use
right now under the current mode).

Refunds always return to the account that was charged.

**Pricing.** Hotels are priced at the supplier rate plus GTW's markup (5% by
default; GTW may agree a different rate per organisation). Gift cards are sold
at the supplier's price less a discount set by GTW (none until GTW sets one). `GET /pricing` shows the rates that apply to you.


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