How Razorpay Wallet Top-ups Work on SilkDots

SilkDots uses an in-platform wallet for premium features rather than charging per-action. This article explains how the wallet works, how top-ups via Razorpay flow end-to-end, and what the wallet balance is actually used for.

If you are a provider trying to top up before a boost or extra-slot purchase, the entire end-to-end takes less than a minute once you have done it once.

Why a wallet, not pay-per-action

Pay-per-action billing means a payment gateway interaction every time you boost a listing or buy an extra ad slot. Each interaction is a 30-second-plus form, a verification SMS, and another row on your card statement. For features that providers use frequently, that adds up to friction.

A wallet flips the model: you top up once, then spend in one click as often as you want. Refunds (when applicable) go back to the wallet instead of bouncing through the card network.

The top-up flow

End-to-end:

1. Open your wallet page
2. Click "Top up" and enter an amount in INR
3. SilkDots creates a Razorpay order for that amount and redirects you into the Razorpay flow
4. You pay via UPI, card, or net-banking — whatever Razorpay supports
5. On success, Razorpay sends a webhook to SilkDots; the wallet balance is credited and a transaction is recorded
6. You see the new balance on the wallet page within seconds

If a top-up fails or is abandoned, no balance is credited. Failed orders show up on your wallet page with a "Failed" status so you can see what happened.

Currency and minor units

The wallet stores balances in paise internally (the minor unit of INR). On every screen the balance is shown in rupees with two decimal places. This matters mostly because:

• An accidental top-up of "100" is ₹100, not ₹1
• Server actions accept amounts in paise (amountMinor) to avoid rounding errors
• The wallet currency is fixed to INR; we don't currently support multi-currency wallets

What you can spend wallet credit on

The wallet powers the platform's premium features. Currently:

• Boosts — paying to feature a listing for a fixed period (24h, 3 days, 7 days)
• Extra ad slots — buying additional listing slots beyond your default account allowance
• Future credit-driven features will use the same wallet

Spending is debit-only — clicking "Boost for 7 days" debits the appropriate amount and creates a BOOST_SPEND transaction. There is no second confirmation if your balance covers the cost.

Refunds and admin adjustments

Three kinds of credit can land in your wallet:

• TOPUP — your own top-up via Razorpay
• REFUND — if a boost is cancelled or a charge is reversed, the original amount is refunded to the wallet
• ADMIN_ADJUST — manual adjustments by SilkDots admin staff (rare; usually associated with a support ticket)

Every transaction is visible on the wallet page with date, kind, amount, and a note. Nothing is hidden.

Top-up failures and what they mean

Razorpay reports a failed payment for a few common reasons:

• Card declined by the bank
• UPI handle expired or limit exceeded
• Network timeout during the OTP step

In each case the order is marked Failed and no balance moves. Re-attempting almost always succeeds.

If a payment is debited from your account but the wallet doesn't credit within 10 minutes, that is a webhook lag — Razorpay's webhook eventually fires. If after an hour the balance still hasn't moved, contact support with the Razorpay payment ID.

Tax and invoicing

Top-ups are platform credit purchases. If you need a GST invoice for any top-up — for instance if you are running this as a business — message support via the contact form with the top-up amount and your GSTIN. We invoice on request rather than auto-issuing.

Frequently asked questions

Is there a minimum top-up? Yes — ₹100. Below that, the friction of the payment gateway outweighs the benefit of the credit.

Is there a maximum? Not a hard cap, but unusually large top-ups (₹10,000+) may trigger Razorpay's risk checks. If your top-up is held by Razorpay for review, that is on Razorpay's end, not ours.

Can I withdraw wallet credit back to my bank? Not currently. Wallet credit is platform credit. If you've top-up'd and not used the credit, support can refund the amount manually on request.

Is my Razorpay-side data shared with SilkDots? We see the payment ID, amount, and success/failure status. We don't see your card or UPI details — Razorpay handles those entirely.

The compact version: top up once, spend as needed, every transaction is logged. The wallet page is the one source of truth for what you have, what you've spent, and where it went.