Wallets Design Document #5
Conversation
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| When the Customer uses the merchant's app, the app tracks the usage and reports it to Polar using the Event Ingestion API. Polar deducts the cost of the usage from the Customer's Wallet balance. We inform the merchant of the new balance using a webhook. | ||
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| We don't try to have any kind of blocking in case of low balance. It's up to the merchant to decide how to handle that, by estimating the cost of the usage before reporting it and compare it with the balance. |
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What if the merchant does nothing, can the customer get a negative balance?
Will the wallet be used for prorations?
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The choice I made here is to not go negative, ever. If the usage surpasses the balance, then it's just lost on the merchant. Sounds a bit extreme, but that's the only way to make the Wallet safe for the user; otherwise, they could end up with big negative balance, which would entirely defeat the purpose.
The way I see it, Wallets can only be used to pay for metered price with Wallet enabled. Not fixed price or prorations of fixed price.
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My proposal is to cover as much as possible of the Billing Entry with the Wallet balance, and lose the rest. This way, we don’t have to deal with negative balance, and the Customer can always top-up their Wallet to continue using the service.
So, from here I understand that if the customer has a $5 wallet, but the merchant does nothing and the customer goes to $6 metered price. We will display $0 to the wallet. 🤔
What will be the options to the merchant, cancel the subscription only?
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Or make sure there is enough money on the Wallet before accepting a new request
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understood! Then I think there should be an easy API to make sure that we can serve this easily as it will be done on every client and every request.
Maybe something like wallet.enough_balance(meter)?
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