Credits

Operational calls such as investor account creation and successful investor lookup consume wallet credits. Funding and balance management are portal activities; integrators do not top up credits through the public API.
Use the CSCS AOS portal for all wallet funding activity. The public API is used for billable account and lookup operations after the wallet has available credit.

Top up balance

Open the wallet top-up flow from the portal and choose a funding method.

Pay with Paystack

Use this option for instant card or bank payment. The wallet balance is updated after payment confirmation.

Manual Payment

Use this option when payment is made by offline transfer and needs to be submitted for review.

Paystack funding

Choose Pay with Paystack when the integrator wants to fund the wallet through an online card or bank payment. Complete the hosted payment flow and return to the portal to confirm the updated wallet state. If the payment is interrupted, wait for the portal status to settle before retrying. Do not assume the wallet has been funded until the balance or funding history reflects the confirmed payment.

Manual payment

Choose Manual Payment when the integrator has made an offline transfer. Submit the transfer details in the portal so the payment can be reviewed and credited.
FieldWhat to enter
AmountThe transferred amount. This field is required.
Payment ReferenceThe transfer or bank reference, such as TRF-20260311-0001.
Session IDThe bank session ID or transaction session identifier, where available.
NarrationA short description of the payment.
Manual payment requests are not instant. The wallet is credited only after the transfer details are reviewed and approved.

Credit failures

If a billable operation cannot reserve enough credit, the API returns an insufficient-credit response and does not continue processing the operation. Fund the wallet from the portal, confirm the available balance, and then retry the operation according to its idempotency requirements.