Wallet & ledger

Your own INR float or credit line. It funds every buy you make on behalf of a user — it is not the user's money.

Don't confuse this with an end user's balance. The partner wallet is your INR, held with OroPocket, that pays for assets you buy for your users. You collect the money from your user on your side; we debit your wallet.

Read your wallet

GET/partner/wallet

No extra capability is required — this is your own data, like the /partner/dashboard/* routes. Any valid bearer token can read it.

curl https://api.oropocket.com/partner/wallet \
  -H "Authorization: Bearer oro_live_xxx"

Field	Type	Description
configured	boolean	False when billing hasn't been set up yet. Every other field is absent in that case.
billing_type	string	"prepaid" or "postpaid".
balance_inr	number	Your float. Can go negative on postpaid; never on prepaid.
credit_limit_inr	number	How far below zero balance_inr may go. Zero on prepaid.
available_inr	number	What you can actually spend right now. This is the number to check before a buy.
dues_inr	number	Outstanding amount owed on postpaid — max(0, -balance_inr). Always 0 on prepaid.
is_active	boolean	False suspends spending; reads keep working.

Response

{
  "success": true,
  "data": {
    "configured": true,
    "billing_type": "postpaid",
    "balance_inr": -18400,
    "credit_limit_inr": 500000,
    "available_inr": 481600,
    "dues_inr": 18400,
    "is_active": true
  }
}

Prepaid vs postpaid

Billing type	How it behaves
prepaid	Fund an INR float in advance. Each buy debits `balance_inr`, which must stay ≥ 0. `available_inr` = `balance_inr`. Rejected when `available_inr` < `amount_inr` → `402 INSUFFICIENT_PARTNER_FUNDS`.
postpaid	Transact on credit; `balance_inr` may go negative down to `-credit_limit_inr`. `available_inr` = `balance_inr + credit_limit_inr`; `dues_inr` = `max(0, -balance_inr)`. Settled T+2. Rejected when the buy would push past `-credit_limit_inr`.

Key mechanics

The wallet is checked at quote time, not just confirm. A buy you can't afford fails at /partner/buy/quote with 402 INSUFFICIENT_PARTNER_FUNDS — you find out before you've shown the user a price, not after they've tapped confirm.

Buys debit your wallet; sells do not credit it. Sell proceeds go to the end user's INR wallet, because the assets were theirs. So a buy → sell round trip still reduces your float by the buy amount. This is by design, not a bug — model your funding on gross buy volume, not net.

Failed fulfilment auto-refunds. If the debit succeeds but fulfilment doesn't (BUY_PROCESSING_FAILED), the wallet is credited back as a refund ledger row and the order is voided. You don't need to reconcile that case manually — but you will see two rows for it.

Live access and wallet setup are separate. A partner can be fully live-enabled and still get 403 WALLET_NOT_CONFIGURED on the first buy, because billing is its own onboarding step. Handle that code explicitly instead of treating it as a generic 403.

Wallet ledger

GET/partner/wallet/ledger

Field	Type		Description
limit	number	optional	Page size. Defaults to 50, capped at 200.
offset	number	optional	Rows to skip. Defaults to 0.

Rows are append-only — nothing is ever edited or deleted, so the ledger is a stable audit trail. Newest first.

Entry type	What it means
fund	Money added to your float.
buy_debit	A buy on behalf of a user.
refund	Auto-refund after a failed fulfilment.
settlement	Postpaid settlement.
adjustment	Manual correction by OroPocket.

Every row carries balance_after — the balance immediately following that movement. Reconcile from this rather than summing amounts yourself: it survives out-of-order reads and gives you an exact figure to compare against your own books at any point in time.

Response

{
  "success": true,
  "data": {
    "entries": [
      {
        "id": 90214,
        "entry_type": "buy_debit",
        "amount_inr": 1000,
        "balance_after": 481600,
        "reference_id": "txn_xxx",
        "notes": null,
        "created_at": "2026-08-08T09:22:00.000Z"
      }
    ],
    "pagination": { "total": 412, "limit": 50, "offset": 0 }
  }
}

You don't have to email anyone to add funds — top up your float yourself from Wallet in the panel. For how buys are priced and how commission is earned on top, see Billing.

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