Wallet & Credit Ledger System
Zero-friction B2B financial transactions. Sub-second wallet deductions upon booking PNR confirmation, direct bank transfer UTR verification portal (UPI, NEFT, IMPS, RTGS), automated commission cashbacks, low balance alerts, and continuous audit reconciliation.
Complete B2B Wallet & Ledger Capabilities
Designed specifically for travel consolidators, agency networks, and corporate desks requiring instant ticketing settlement.
Integrated Prepaid Financial Ledger
Sub-second debit deductions upon booking PNR confirmation with real-time balance calculations and zero payment gateway drop-offs.
Bank UTR & Recharge Approval Portal
Agents submit bank transaction UTR numbers (UPI/IMPS/NEFT/RTGS). Admins verify against bank statements before crediting wallets.
Automated Reconciliation Engine
Real-time reconciliation engine that continually checks wallet balance against the exact sum of all past transaction rows to detect discrepancies.
Low Balance & Auto-Top-Up Alerts
Configurable low balance threshold flags with automated email, SMS, and WhatsApp alerts to prevent booking failures during rush hours.
Automated Commission Settlement
Post commission payouts directly to agent wallets in real time or on scheduled monthly settlement dates with zero manual payout fees.
Audit-Ready Ledger Statements
Generate itemized financial ledger statements formatted for CA auditing, GST compliance, and seamless ERP accounting system imports.
Sub-Agent Virtual Wallet Buckets
Enable master agents to create virtual credit sub-buckets for sub-agents with daily allocation caps and instant recall rights.
Cashflow & Revenue Yield Analytics
Visualize agency cashflow trends, daily deposit averages, refund velocity, and net gross ticketing turnover in real time.
Wallet & Credit Ledger Dashboard
Interactive preview of prepaid wallet transactions, bank UTR verification, and automated reconciliation audit.
| Tx ID / Date | Agency Details | Type | Description & Reference | Credit (+) | Debit (-) | Balance After | Status |
|---|---|---|---|---|---|---|---|
wtx_90112026-08-13 11:42:10 | Skyline Travel & Tours | DEBIT | Instant PNR Issuance - DEL to BOM (Indigo Air 6E-2041)PNR: K928FL | - | -₹14,850 | ₹4,50,000 | SUCCESS |
wtx_90102026-08-13 10:15:00 | Skyline Travel & Tours | RECHARGE | HDFC Bank Transfer UTR Top-Up (Approved by Admin)UTR: 423189920145 | +₹1,00,000 | - | ₹4,64,850 | SUCCESS |
wtx_90092026-08-13 09:00:00 | Apex Global Holidays | CREDIT | Monthly Tier Volume Commission Cashback (Gold Tier 5%)COMM: JUL2026-APX | +₹4,250 | - | ₹1,85,000 | SUCCESS |
wtx_90082026-08-12 18:30:22 | Falcon World Travels | REFUND | Ticket Cancellation Refund - Air India AI-102 (Full Fare)PNR: H812QX | +₹8,200 | - | ₹92,000 | SUCCESS |
wtx_90072026-08-12 15:10:04 | Metro City Express Desk | DEBIT | Hotel Booking Deduction - Taj Palace Delhi (2 Nights)PNR: HTL-88219 | - | -₹6,500 | ₹24,500 | SUCCESS |
wtx_90062026-08-12 11:20:00 | Vanguard Corporate Travel | RECHARGE | RTGS Corporate Deposit Top-up (ICICI Bank Transfer)UTR: RTGS99882201 | +₹5,00,000 | - | ₹8,90,000 | SUCCESS |
Stop Losing Profits to Payment Gateway Fees & Manual Ledger Errors
Eliminate 3-5% payment gateway processing charges and un-reconciled bank transfer receipts.
- 3-5% payment gateway transaction fees eating into thin B2B flight & hotel margins.
- Failed payment gateway top-ups causing abandoned client bookings and lost PNRs.
- Manual verification of bank transfer screenshots via WhatsApp, leading to double-crediting errors.
- No automated audit to verify if current wallet balance matches actual historical transactions.
- Delayed refund credits taking 7-14 days to reflect in travel agency accounts.
- Zero gateway fee prepaid wallet model using direct bank transfers (UPI, NEFT, IMPS, RTGS).
- Sub-100ms instant wallet deduction on ticket issuance with 100% confirmation reliability.
- Bank UTR verification portal matching transaction IDs directly against admin bank statement lines.
- Automated reconciliation engine executing continuous sum-of-transactions discrepancy checks.
- Automated instant wallet refund credit upon airline PNR cancellation confirmation.
5-Step Wallet Recharge & Instant Ticketing
Direct bank transfer top-up to sub-second PNR ticket issuance.
Bank Transfer Payment
Agent pays top-up amount directly via UPI, NEFT, IMPS, or RTGS to the master agency bank account.
Submit UTR / Transaction ID
Agent enters the bank UTR reference number, amount (₹1k-5L), and remarks in the recharge portal.
Admin Bank Line Verification
Admin verifies the bank transaction ID against live bank statement records in sub-5 minutes.
Instant Wallet Credit
Upon admin approval, wallet balance is instantly updated with an automated immutable ledger entry.
Instant Ticket Issuance
Agent uses prepaid wallet balance to issue GDS & LCC tickets with zero latency or gateway drop-offs.
Trusted by CFOs & Agency Finance Desks
"Eliminating credit card payment gateway fees saved our agency network over ₹18 Lakhs annually. The bank UTR approval workflow is completely fraud-proof."
"The automated reconciliation engine gives us 100% peace of mind. Every night at midnight, it audits 12,000+ wallet balances against transaction sums with zero errors."
"Instant wallet deductions allow our corporate desks to issue 200+ PNRs simultaneously during flash sales without a single gateway timeout."
Ready to Upgrade Your Agency Financial Ledger?
Schedule a personalized demo with our finance technology team or test out the live ledger sandbox account.