---
title: Wallet
description: Holds, settlement and the ledger behind every sale.
group: concepts
order: 4
---

Every sale's fee is paid from your wallet, and every movement is a ledger entry you can audit.

## What a sale costs

You pay SimConnectNG a flat fee for each delivered sale, set per plan or per data type and shown as `charges` on [List plans](/docs/api/list-data-plans). It is not a share of the face value. The airtime or data itself goes out from your lines, paid by their own balance.

## The life of a sale

1. **Hold.** When we accept a request, its fee is held on your wallet. It leaves your available balance but is not spent.
2. **Settle.** When the sale is `successful`, the hold is settled: the fee is spent.
3. **Release.** When the sale fails, the hold is released in full, automatically.

A sale whose outcome is not known yet keeps its hold until the network answers. You are never charged for an unknown outcome, and never twice. On the transaction, `price` is the fee.

## Balances

| Field | Meaning |
| --- | --- |
| `balance` | Everything in the wallet |
| `held` | Fees waiting on sales in flight |
| `available` | `balance` minus `held`: what new sales can use |

Read them with [Get wallet](/docs/api/get-wallet). Amounts are naira, numbers with two decimals.

## Funding

Fund by bank transfer or card from the dashboard. A top-up is credited only once the payment is confirmed, appears in your ledger straight away, and sends a `wallet.funded` webhook.