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Credits and Notifications Management

The credits module is the administrative component that manages cash flow into the ecosystem. Through this module, real capital is converted into operational balance within the Virtual Wallet, enabling transaction execution through API Connector.

1. Credit operating flow​

Customer credit (balance load)​

Used when a customer acquires balance to run top-ups.

  • Process: The internal team records the amount in the Portal interface.
  • Impact: The customer balance is immediately increased in PostgreSQL.
  • Notification: The system sends an automatic email to the customer confirming that the credit was applied successfully.

2. Notification diagram​

The communication flow is designed to maintain transparency and traceability in every movement:

3. Virtual Wallet and API​

The Virtual Wallet acts as a prepaid system that interacts directly with API Connector:

  1. Balance validation: Before processing any top-up, the API checks that the customer has sufficient wallet balance.

  2. Real-time debit: When a top-up is confirmed as successful, the system automatically debits the amount from the Wallet.

  3. Error control: If balance is insufficient, the API rejects the transaction with a 400 status code, preventing customer account overdrafts.

4. Audit and traceability​

For security and reconciliation purposes, each credit stores the following metadata:

  • Timestamp: Exact date and time of record creation.

  • Reference: Deposit receipt or bank folio number.

  • Email status: Confirmation that the notification was sent successfully.