A prepaid wallet is a balance you fund in advance, which is then drawn down automatically as calls you buy qualify for billing. It is the opposite of an invoice you pay after the fact.
Why marketplaces use a prepaid model for calls
A call is charged the moment it reaches its buffer, which can happen constantly throughout the day across a whole team. Invoicing after the fact would mean extending credit to every buyer by default. A prepaid wallet lets a marketplace bill in real time without that exposure, and it lets a buyer see exactly what they have available to spend at any moment.
How funding works
On Callmart, payments into the wallet are processed by Stripe. Callmart does not store full card numbers. Buyers fund the wallet, and charges for qualifying calls are deducted from that balance as calls happen.
Solo accounts versus agency accounts
- Solo buyer wallet
- An individual buyer has their own wallet, funded and spent by that one account.
- Agency-funded wallet
- One shared wallet funds an entire agency. The owner can set a per-member daily spending allowance so no single teammate can draw down the shared balance unchecked.
What happens when the balance runs low
A wallet has to have funds available for a qualifying call to be charged. Buyers should monitor balance and fund ahead of when they expect to be buying, particularly an agency where multiple teammates are drawing from the same shared wallet at once. Daily call limits and per-member daily spending allowances are separate controls that let an owner cap spend before a low balance becomes an issue at all.
Wholesale billing is a separate arrangement
Approved wholesale buyers can be placed on a wholesale price book and may be billed on terms rather than prepaid. That arrangement is set by Callmart per account and is separate from the standard prepaid wallet most buyers use.
What a buyer can see about wallet activity
The Callmart iOS app and web platform let buyers view wallet balances, funding history, and service invoices, so spend is visible at the account and, for agencies, the team level.
Practical habits for keeping a wallet funded
A prepaid model is not only about limiting the marketplace's exposure to buyers who might not pay. It also protects the buyer from an unexpected bill, since funds are drawn from a balance the buyer chose to load, rather than an invoice at the end of the month with a total the buyer did not see coming. Spend is visible as it happens, not reconstructed after the fact.
Buyers who buy consistently tend to treat wallet funding the way they treat any other recurring business cost: funded ahead of expected volume rather than reactively. On an agency account, this matters even more, since several teammates may be drawing on the same balance throughout the day. A wallet that runs low mid-shift interrupts delivery at an inconvenient moment, not a planned one.
Reviewing funding history alongside call activity is the most direct way to see whether your funding pace matches your actual spend pace. If a wallet is regularly running low before you expect it to, that is a signal to either fund more or review whether daily call limits and per-member spending allowances need adjusting.
- Fund ahead of expected volume rather than after a shortfall shows up.
- Review funding history and call activity together on a regular schedule.
- Set per-member daily spending allowances on an agency wallet before a heavy volume day, not during one.
A wallet balance is specific to the account, and for an agency, specific to that agency's shared pool rather than split automatically among teammates. This is different from each teammate having their own separate balance; instead, the owner controls one pool and can layer per-member spending allowances on top of it to manage how that shared pool gets used.
Funding methods run through the Stripe-powered funding flow inside the workspace. Buyers do not need a separate merchant account or payment integration of their own; the wallet and its funding sit entirely inside the Callmart platform.
A wallet is not the same as a line of credit. Funds have to be loaded before they can be spent, which is the core difference between the standard prepaid model most buyers use and the terms-based billing available to approved wholesale accounts.
- 01Choose an amount to addThe buyer decides how much to load into the wallet.
- 02Pay through StripeFunding is processed by Stripe. Callmart does not store full card numbers.
- 03Balance is availableThe new balance is available to be drawn against as soon as qualifying calls come in.
Common questions
01Does Callmart store my card number?
No. Payments are processed by Stripe, and Callmart does not store full card numbers.
02What happens if my wallet runs out mid-day?
You will not be able to be charged for calls beyond your available balance, so fund ahead of expected volume, especially on a shared agency wallet with multiple active buyers.
03Can each teammate have their own spending cap on an agency wallet?
Yes. The owner can set a per-member daily spending allowance on top of the shared agency wallet. See daily call limits for how caps work.
04Is wholesale billing prepaid too?
Not necessarily. Approved wholesale buyers can be billed on terms rather than prepaid, an arrangement set by Callmart per account.