Shared wallet payments

Customers can pay from shared arrangements.

Family Wallets, Group Wallets and Shared Wallets each have their own funding and permission model. The merchant sees the payment outcome.

Wallet types

Three arrangements. Three models.

Family Wallet

Household contributions and permitted spending. A relevant member reviews and approves a payment from the arrangement — within the scope defined by that wallet's rules.

Shared access reflects household permission model.

Group Wallet

A shared pot for a group or purpose. Multiple transactions can draw from the same balance — each is tracked separately. The balance moves; the group's shared context is preserved.

Each draw is a separate, independent record.

Shared Wallet

A supported shared funding or access model. Shared access does not always require a pooled balance — permissions define what each participant may do within the arrangement.

Shared access ≠ pooled balance.

Secure Pass

Controlled delegated spending.

The customer acts within an approved spending scope — without the underlying card details being exposed. The requested amount must be within the defined allowance. The holder retains revocation controls; the merchant does not edit them.

Amount beyond allowance: not eligible.

Illustrative example

Secure Pass — delegated scope

Permission card

Active

HolderKemi Adeyemi

Allowance cap₦30,000

Amount spent₦12,000

Remaining₦18,000

Allowance used

40%

Richer controls

Coming soon

Merchant view

You see the outcome. Not the household.

The merchant sees the collection status and the confirmed amount. Not the household rules, personal balances or private financial context of every participant. Privacy is built into the model.

Payment flow

Five stages.

Sale request

Merchant initiates the payment request for the relevant amount.

Member reviews

The relevant wallet participant sees the request and reviews it within the arrangement's permissions.

Authorised approval

The member approves or declines. Approval is within the wallet's defined scope.

Processing

The payment leg enters processing — separate from approval.

Confirmed / declined

The merchant receives the outcome. Not the household context behind the decision.

Important

Approval ≠ payment confirmed.

A shared wallet permission approval and a successful payment are different events. Approval is the participant authorising the action within the arrangement. The payment then has a separate processing and outcome step.