Wallet Payment Gateway

A WooCommerce payment method that lets customers pay any order in full — or in part — with their wallet balance.

Setting up?

Skip to Checkout Settings for the step-by-step setup of the gateway, discount, and per-product / sale-item exclusion.

What It Does

For	Means
Customer	Picks "Pay with Wallet" at checkout. Balance covers the order; if balance is short, can split with any other gateway
Admin	One more payment method in the WC checkout list. Refunds go back to wallet. Works with all WC plugins (Subscriptions, Dokan, etc.)

How Customers See It

At checkout, "Pay with Wallet" appears as a radio option when:

Gateway is enabled
Customer has a balance (or "Show on zero balance" is on)
No excluded products are in the cart
Customer's KYC is approved (only if you've gated it)

If their balance covers the cart total → one click → wallet debited → order confirmed.

If balance is short → checkout offers a split option:

Pay ₹500.00 from wallet
+ ₹250.00 from [Stripe / PayPal / COD ▼]
= ₹750.00 total

Setup

WooCommerce → Settings → Payments → Wallet → Manage

Checkout Gateway Restrictions admin section — wallet visibility flags + min/max

Field	Recommendation
Enable	ON
Title	`Pay with Wallet`
Description	Short hint shown under the radio (`Use your wallet balance — fast, no card needed.`)
Show on zero balance	OFF (cleaner UX)
Min usable	leave blank for no minimum
Max usable	leave blank to allow full balance
Allow split payment	ON (lets short balances still go through)
Order status after pay	`processing`
Refund back to wallet	ON

Save.

Common Scenarios

Discount when paying with wallet

Reward customers with a 5% discount whenever they choose the wallet gateway. Configure under Wallet → Settings → Checkout Discount. See Checkout Discount.

Block wallet on specific products

Per-product "Exclude wallet" checkbox on the product Inventory tab — blocks the wallet gateway whenever that product is in the cart. See Checkout Restriction.

Block wallet on sale items

Global toggle. Useful when you don't want store credit subsidising clearance items. See Checkout Restriction.

Refund a wallet-paid order back to original card instead

Per-order override on the order edit screen, or toggle "Refund back to wallet" OFF in gateway settings.

Refund Back to Wallet

When you refund a wallet-paid order in WooCommerce:

WC fires the standard refund hook
Plugin credits the customer's wallet by the refund amount
Audit row is written with order + refund IDs
Customer email fires if Wallet credit notifications are on

To send the refund back to the original card / PayPal, toggle off "Refund back to wallet" in the gateway settings.

Compatibility

Plugin	Behaviour
WC Subscriptions	Renewal orders charge wallet first, fall through to stored card on shortfall
Dokan / WCFM	Vendor commissions settle to vendor wallet; admin commission to admin wallet
WC Gift Cards / YITH GC	Gift card discount applied first, then wallet pays the balance
RMA Pro	Refund routes through "Refund to wallet" instead of original method
Cart fees / coupons	Applied before wallet calculation — wallet pays the post-discount cart total

Enable each plugin bridge under Integrations Settings.

When Something Goes Wrong

Problem	Fix
Gateway not in checkout	Enabled? Customer balance > 0 (or "Show on zero" ON)? Excluded product in cart? KYC gate active?
`Insufficient balance` on submit	Allow split payment, or top up
Refund didn't credit wallet	"Refund back to wallet" toggle OFF, or original order wasn't paid via wallet
Split payment shows but submit fails	Secondary gateway can't accept partial payments. Use COD or Direct Bank Transfer for split

For developers — extending visibility & split logic

Visibility filter

add_filter( 'wkwc_wallet_show_method_on_checkout', function( $show, $cart ) {
    // your custom rule
    return $show;
}, 10, 2 );

Split payment hooks

Hook	Type	When
`wkwp_wallet_split_payment_amount`	filter	adjust wallet portion in split
`wkwp_wallet_split_rollback`	action	secondary gateway failure rollback
`wkwc_wallet_refund_to_wallet`	filter	route refund to wallet vs original method

Resolution sequence

KYC gate (if wallet_usage required) → fail returns false
Per-product _wkwp_exclude_wallet → fail returns false
Global "disable on sale items" + sale item present → fail returns false
Zero balance + "Show on zero" OFF → fail returns false
Otherwise → show

BNPL mode

When BNPL is enabled and the customer is eligible, the gateway accepts the order even at insufficient balance. Shortfall recorded as debt. See Buy Now Pay Later.