B2B agent wallet
B2B agent wallet with approved deposits and a full ledger
Each agent sells against a prepaid balance in your platform. They submit a deposit, you approve it, and every booking debits the wallet with a ledger line you can trace back to its source.
- Per-agent balance
- Approved deposits
- Credit and debit ledger
- Multi-currency balances
How the wallet works
A prepaid float, not a post-paid credit line
Agencies looking for an agent credit limit usually want to control exposure. PHPTRAVELS does it with a prepaid travel agency wallet: your exposure is the deposits you have approved, the balance is the sum of ledger entries rather than a number someone typed, and month-end reconciliation becomes a report instead of an argument.
- The agent submits a deposit from the B2B portal with amount, currency, payment method and reference
- You approve or reject it in the admin; nothing is credited until you do
- An approved deposit writes a credit to that agent's ledger in the deposit currency
- Every booking the agent makes writes a debit against the balance
- Each ledger line traces back to the deposit or booking that created it
- Amount
- 5,000.00
- Currency
- USD
- Payment method
- Bank transfer
- Transaction reference
- TRX-20481
Admin approval
Every deposit waits for your decision
Pending, approved and rejected deposits in one list, with the amount, method and reference you check against your bank.
- Skyline Travel LLCBank transfer · Ref TRX-20481$5,000
- Al Noor ToursCash deposit · Ref CSH-7713$2,500
- Blue Coast HolidaysBank transfer · Ref TRX-20455$1,200
Per-agent balance
Each agent account holds its own wallet, calculated from its ledger entries instead of edited by hand.
Approval workflow
Deposits arrive as pending and credit the wallet only after an admin approves them.
Method and reference
Every deposit records how the agent paid and the transaction reference, ready to match against your bank statement.
Credit and debit ledger
Each entry stores the amount, currency, description and timestamp of the movement.
Balances in any currency
Deposits and ledger entries carry their own currency, so agents in different markets settle the way that suits them.
Rejected records kept
A rejected deposit leaves the balance untouched and the record in place for your audit trail.
Money flow
How the money actually moves
Six steps, and every one of them leaves a record you can reconcile against.
Request
The agent submits an amount, currency and payment method from the portal.
Review
Your finance team checks the reference against the bank and approves or rejects.
Credit
The approved amount is written to the agent's ledger as a credit.
Book
Flights, hotels and tours the agent books are debited from the balance.
Top up
When the balance runs low, the agent submits the next deposit.
Reconcile
Every line traces to the deposit or booking that created it.
Where it fits
One wallet across the agent portal, admin and booking engine
The wallet is part of the platform rather than a bolt-on, so balances move with the bookings themselves.
Agent portal
Agents submit deposits and pay for their bookings from the wallet in the B2B portal.
Admin back office
Finance staff approve deposits and review each agent's ledger line by line.
Booking engine
Bookings from your own inventory and from connected suppliers debit the same balance.
Back office
Agent finance in the same admin
Wallets sit next to the agent accounts, rates and reports you already manage for every product.
Agent accounts
Create and manage agent accounts with their own logins and access to the B2B portal.
Deposit queue
Pending deposits with amount, currency, method and reference, ready to approve or reject.
Agent ledgers
Credits and debits per agent with descriptions and timestamps, including any negative balance.
B2B rates and markups
Separate rates, markups and commissions for agents on flights, hotels, tours and more.
Multi-currency
Show rates and accept deposits in the currencies your agent markets use.
Reports and exports
Bookings, revenue and agent ledgers, ready for month-end reconciliation.
Compare
Prepaid agent wallet vs post-paid credit
Searches for a B2B agent credit limit usually mean one of two models. This is how they differ, and what the software does in each.
| Question | Post-paid credit terms | PHPTRAVELS |
|---|---|---|
| When money arrives | Post-paid credit termsAfter the booking, on the terms you agreed | PHPTRAVELSBefore the booking, as an approved deposit |
| Your exposure | Post-paid credit termsWhatever the agent has booked and not yet paid | PHPTRAVELSCapped at the deposits you have approved |
| Collection | Post-paid credit termsInvoices and follow-ups under your own contract | PHPTRAVELSNot needed; the balance is funded in advance |
| What enforces it | Post-paid credit termsYour commercial agreement with the agent | PHPTRAVELSThe wallet: agents book against an approved balance |
| Reconciliation | Post-paid credit termsMatching payments to invoices after the fact | PHPTRAVELSEach ledger line traces to a deposit or booking |
Use cases
Who runs agent wallets
Consolidators and wholesalers
Sell flights and hotels to sub-agents who fund a balance before they book.
DMCs and tour operators
Take prepaid balances from partner agencies abroad, each in its own currency.
B2B agent networks
Run a white-label agent portal where every agent settles from a wallet.
Why PHPTRAVELS
Your money rules, in your own code
Source code included
Self-hosted under a commercial licence, so your developers can extend the wallet and approval flow.
Your data, your server
Agent ledgers and deposit records stay in your own database.
24 languages
Agent portal and admin in your markets' languages, including right-to-left.
B2C and B2B
One installation for your public site and your agent portal.
FAQ
B2B agent wallet questions
What agencies ask before they design their agent payment terms.
Talk to salesEach agent has a balance held as a ledger of credits and debits. They top it up by submitting a deposit that you approve, and every booking they make writes a debit. The balance is the sum of those entries, so it always reconciles to the transactions behind it.
The platform settles agents through a prepaid wallet rather than a post-paid credit ceiling: an agent sells against a balance you have approved and tops up when it runs low, which caps your exposure. Post-paid terms for a trusted agent are a commercial arrangement under your own contract, and the ledger tracks the resulting balance, including a negative one.
The agent submits a deposit from the portal with the amount, currency and payment method, and it arrives in your admin as pending. Nothing is credited until you approve it, and a rejected deposit leaves the balance untouched and the record in place.
Yes. Ledger entries and deposits both carry their own currency, so agents in different markets can settle in the currency that suits them.
They top up. Because bookings are paid from an approved balance, an agent cannot quietly build up an obligation you did not agree to, which is the main reason agencies choose a prepaid float over invoicing after the fact.
Yes. Every credit and debit is stored with its amount, currency, description and timestamp, and deposits keep their payment method, reference and approval state, so a disputed line traces back to the booking or deposit that created it.