Billing & Wallet
How to fund your advertiser wallet, read invoices and transactions, and understand how wallet balance relates to campaign budgets on Wayo Ads.
Overview
Wayo Ads uses a wallet-first billing model. You add funds to your advertiser wallet, then activate campaigns that reserve budget from that balance. You pay for validated performance as campaigns run. For CPC/CPM, budget locking, platform fees, and spend pacing, see Budget & Pricing.
Before You Can Pay
Complete your Business Info before your first wallet top-up. Wayo uses this legal billing profile for invoices and compliance. This is also where you choose USD or EUR.
- Open Business Info from your advertiser menu.
- Provide the required legal and tax details for your account.
- Choose USD or EUR. That becomes your wallet currency for deposits, invoices, and every campaign you create. Creators who earn on those campaigns are paid in the same currency.
- Once complete, the wallet top-up form unlocks.
- Deposits started before completion may resume automatically after your profile is validated.
- Changing currency later can be blocked if you have a pending deposit, locked campaign budget, or remaining wallet balance.
Wallet Balances
Your advertiser wallet has two numbers that matter day to day:
Funds you can use to activate new campaigns or increase budgets on drafts.
Budget currently locked for active or paused campaigns (shown as In campaigns on the wallet page).
Adding Funds
Top-ups are processed securely through Stripe (card or bank debit where available):
Enter an amount
Minimum $10 (matches the minimum campaign budget). Quick presets ($50, $100, $500) are available on the wallet page.
Pay by card
Enter card details in the Stripe payment form on the wallet page. Wayo does not store full card numbers. You are charged the amount you enter.
Wallet credited
After Stripe confirms the balance transaction, Available increases by the net amount (charged amount minus Stripe’s processing fee). Until then the deposit may show as Pending and cannot fund campaigns.
Wallet vs Campaign Money
Deposits and campaign charges are separate steps. This table shows how money moves:
| Step | Wallet effect | Invoice |
|---|---|---|
| Wallet top-up | Available increases by net credit after Stripe finishes processing (may show Pending first) | Wallet deposit invoice |
| Campaign activation | Available decreases by budget + platform fee + tax (if any); In campaigns increases by budget only (fee/tax are charged immediately, not locked) | Campaign budget invoice |
| Validated performance | Locked budget consumed as creators earn (see Budget & Pricing) | — |
| Campaign ends / cancelled | Unused locked budget returns to Available | — |
Platform fee and tax (when applicable) are applied at campaign activation — not when you top up the wallet.
Invoices
Download PDF invoices from Advertiser menu → Invoices:
- Wallet deposit — one per successful top-up.
- Campaign budget — when a campaign budget is locked at activation.
- Credit note — if a deposit that already had an invoice is later returned. Download it from Invoices or from that line in Transaction history.
- Bank return fee — only if a bank debit was refused and a return fee applies. This is not the card processing fee.
- Filter by type, campaign, or date range; sort by date, status, or amount.
- View or download individual PDFs, or select multiple invoices and download a ZIP archive.
Transaction History
The wallet page lists recent ledger movements with date filters (7 / 30 / 90 days or all time). Common types:
- Top-up — money added to your wallet (may show as Pending until your bank or card payment is fully confirmed)
- Top-up failed or cancelled — payment did not complete; your Available balance does not increase
- Top-up refunded — money went back to your bank; if it had already reached your wallet, we reverse it. Open the credit note from that history line.
- Balance held — budget locked for a campaign
- Balance released — unused campaign budget returned
- Fee — platform fee when campaign budget is locked
When a deposit doesn’t go through
Most top-ups succeed. If one doesn’t, you’ll see it in Transaction history. Wayo Ads does not keep money from a payment that failed or was returned.
- Cancelled — you stopped checkout. Nothing is added to Available. There is no invoice to download.
- Failed — the card was declined, or your bank later refused a bank debit (not enough funds, closed account, and similar cases). Available does not increase.
- Refunded — the amount went back to your bank. If it had already been added to the wallet, we take it back. History shows Deposit refunded, with a credit note you can open.
- Credit due — some refused bank debits come with a small bank return fee. Your next top-up may need to cover that amount. Card stays available.
- Bank debit pause — after a first failed bank debit, ACH/SEPA can be paused for about a day. A second failure can turn bank debit off. Card remains available.
Unused Funds
When a campaign ends, unused locked budget is released back to your Available balance automatically. That is leftover campaign money — not a bank returning a top-up:
- When a campaign completes, is cancelled, or passes its end date, remaining locked budget returns to Available.
- Released funds stay in your wallet for future campaigns.
Frequently Asked Questions
Do I pay before launching a campaign?
Yes. Your wallet Available balance must cover the campaign budget plus platform fee and applicable tax when you activate. Top up first from Advertiser menu → Wallet.
Why is Available less than what I deposited?
Three common reasons: (1) Stripe’s processing fee is deducted from the charged amount, so Available rises by the net; (2) a recent deposit may still be Pending until Stripe finishes processing; (3) funds locked in active or paused campaigns appear under In campaigns, not Available.
How do Stripe fees work on deposits?
You are charged the amount you enter. Stripe’s fee is deducted from that charge; Available increases by the net after Stripe finishes processing. This is separate from Wayo Ads platform fees applied when you activate a campaign.
What is the difference between deposit and campaign invoices?
Deposit invoices are for wallet top-ups: what you paid, the processing fee, and what landed in Available. Campaign invoices are for budget you lock when you launch a campaign. If a paid top-up is later returned by your bank, you receive a credit note.
Can I run campaigns in both USD and EUR?
Not on the same advertiser wallet. You pick one currency in Business Info. All deposits and campaigns stay in that currency. Creators do not pick a currency — they earn in whatever currency each campaign uses.
What if my deposit fails or is refunded?
Nothing stays in Available. Failed or cancelled checkout has no invoice. If a completed deposit is later returned, you get a credit note on Invoices and a link on that history line. A refused bank debit can also pause bank debit for a while; card still works.