Funding and wallets

Your agency wallet is your Mintfunnel account balance: one balance that funds your own campaigns and PR orders and the budgets you allocate to clients. There is no separate "agency" or "central" pool to move money into first. Every movement is a ledger entry you can audit, and every dollar remembers where it came from. This article explains how funding works for both agencies and their clients.

The agency wallet

The agency wallet is the agency owner's account balance, shown on both the Billing & wallet page and the Agency Wallet page. Add funds by card or USDC and they are immediately available for everything: your own campaigns, your own PR orders, and client allocations.

There are exactly three ways money moves:

1. Agency payment method into the agency wallet. You top up your balance with the agency's own payment method, from either the Billing & wallet page or the Agency Wallet page. Both land in the same place.
2. Agency wallet into a client wallet. An Owner or Admin allocates funds to a specific client. This is an internal ledger transfer, not a new charge.
3. Client's own payment method into their own wallet. A client can add their own money to their own wallet using their own card or USDC, within any limits the agency has set on their account.

That is the complete list. There is no path from an agency card to a client wallet directly, and no path from a client's card to the agency wallet.

Allocating funds to a client

From a client's wallet page in your agency workspace:

1. Check the agency wallet balance shown on the page.
2. Enter the amount to allocate and confirm.
3. Your balance is debited and the client wallet is credited in one atomic step, and the allocation appears in both ledgers and in the activity log.

Once allocated, the funds are available for that client's ad campaigns and PR orders. Both spend types draw from the same client wallet.

Only your own unreserved funds can be allocated. Money reserved by your running campaigns, and money another agency allocated to you (if your account is itself managed by an agency), never leaves through an allocation.

Paying for a client's PR order directly

When you place a PR order on a client's behalf, the checkout offers two wallets:

• Client wallet: pays from the client's existing balance.
• Agency wallet: pays from your balance in one step, with no separate allocation needed. Behind the scenes this records an allocation plus the payment, so the ledgers stay complete, and it never touches the client's own money or promotional credits.

Reclaiming funds

Allocated the wrong amount, or winding down a client? Owners and Admins can reclaim funds back to the agency wallet, with strict limits:

• You can only reclaim your own agency's unused allocations. The reclaimable amount is shown on the client wallet page.
• You can never reclaim money the client added themselves. Client money is client money, full stop.
• You can never reclaim funds that have already been spent or that are reserved by a running campaign.

Reclaimed funds return to your balance and are immediately available to spend or allocate again.

Fund provenance: whose money is whose

Every credit into a client wallet is tagged with its source: agency allocation or client self-funded. That tag follows the money for its whole life, which is what makes the following guarantees possible:

• Clients can withdraw only what they added themselves. Agency allocations are never withdrawable by the client.
• Agencies can reclaim only their own unused allocations. Never client funds, never spent funds.

Spending order: agency funds go first

When a client wallet pays for anything (campaign budget, PR order), agency-allocated funds are consumed before the client's own funds. This is deliberate: it keeps the client's self-funded balance intact and withdrawable for as long as possible, and it means agency budgets get used rather than sitting idle.

If a reserved budget is released (for example, a campaign is stopped), the funds return to the wallet under their original source tag.

Payment methods: who controls what

Every payment method on Mintfunnel has exactly one owner: an agency or a client.

• Agency payment methods are visible and usable only by the agency's authorized roles (Owner and Admin), and only for topping up the agency wallet.
• Client payment methods belong to the client and fund only the client's own wallet.
• Clients can never see, select, or charge the agency's payment method. It does not appear anywhere in the client's account, including in auto-refill settings.
• Card details live only with the payment processor. Mintfunnel stores no card numbers.

Quick reference

• Where is the agency wallet?: It is the agency owner's account balance, one and the same
• Who can top up the agency wallet?: Agency Owner and Admin
• Who can allocate and reclaim?: Agency Owner and Admin
• What can be allocated?: The agency's own unreserved funds
• What can the agency reclaim?: Its own unused allocations only
• What can the client withdraw?: Their own self-funded balance only
• Which funds spend first?: Agency-allocated funds
• Can the agency pay a client's PR order directly?: Yes, at checkout, from the agency wallet or the client wallet
• Can a client use the agency's card?: Never