Cafés & F&B
Replace the plastic stored value card
Regulars top up once and pay from their phone. No card to lose, and the balance is always in the portal.
Feature
Closed loop walletA closed loop wallet that gets you paid upfront. Keep the spend in-house.
A closed loop wallet for your brand. Customers top up stored value online or at the counter, get bonus credit for topping up more, and spend it only with you: in store, online and in your rewards marketplace.
Top up RM100, get 110 credits
Online and counter top-up
Refunds go back to the wallet
Top-up successful
RM100 paid. 110.00 credits added, including 10.00 bonus credits.
My Wallet
110.00 cdts
Spend at any of your outlets
Quick answer
What is a closed loop wallet?
A closed loop wallet is a prepaid balance that can only be spent with the business that issued it. With Pixalink, customers top up credit online or at your counter, often with bonus credit, then spend it in store, online and on rewards. Refunds and referral commission go back into the same wallet, so the money stays with your business.
Pixalink Sdn Bhd, Malaysia · Updated 8 November 2026
Credit Wallet at a glance
Type
Closed loop: only your organisation accepts it
Top-up
Online by payment gateway, or at the counter
Incentive
Bonus credit by top-up amount
Spend on
In-house purchases and the rewards marketplace
Refunds
Returned to the wallet as credit
Coverage
Shared across the brands and outlets in your organisation
Money in, spend with you
How does a closed loop wallet work?
Credit comes in three ways, is spent in two places, and refunds loop straight back. It never leaves your business.
Top up
Self top-upPayment gateway · automatic
Counter top-upStaff add credit · manual
Referral commissionEarned when referred friends buy · credited to the wallet
My Wallet110.00 cdtsUsable at every outlet
Spend
In-house spendingIn store and online orders
Rewards marketplacePay with points or credits
Refund to walletRefunds return as credit, not cash
Credits are accepted only by your organisation: that is what makes the wallet closed loop.
Top up and spend, day to day
What does a closed loop wallet look like for customers?
Four everyday moments: money comes in at the counter, online and through referrals, and goes out on purchases with you.
Top up · at the counter
Cash in, credit on the phone
A regular pays cash at the till and staff add the credit to his wallet. No card to carry, and the balance shows in his portal.
Top up · online with bonus
RM100 in, 110 credits to spend
A parent tops up RM100 through the payment gateway and gets 10 bonus credits on top. Your business has the cash upfront.
Spend · in store
Paying with wallet credit
A student pays for her iced latte from her prepaid balance and still earns loyalty points on the spend.
Top up · referral commission
A friend buys, commission lands in the wallet
With commission referrals switched on, a share of each referred friend’s purchase is credited to the referrer’s wallet, to spend back with you.
Interactive
How does a top-up bonus work?
Reward customers for loading more: top up RM100 and get 10 bonus credits, 110 in total. You get the cash upfront; they get extra value to spend with you.
Credit Top-Up
Current Balance
12.50 credits
Purchase Credits
Pay RM50.00
53.00 credits
+3.00 bonus
Pay RM100.00
110.00 credits
+10.00 bonus
Pay RM300.00
340.00 credits
+40.00 bonus
Pay RM500.00
580.00 credits
+80.00 bonus
Purchase Summary
Total Payment
RM100.00
Credits Purchased
100.00
Bonus Credits
+10.00
Total Credits
110.00
Pay RM100.00
Top-up screen rebuilt from the Pixalink customer portal with example amounts
Stored value, many uses
What can a business use a credit wallet for?
One wallet covers prepaid sales, refunds, rewards and referrals.
Salons, spas & clinics
Sell prepaid packages
Sell a RM500 top-up with bonus credit on top, and customers come back until it is used.
Retail
Refund to wallet, not to cash
Returns become credit for the next purchase, so the sale stays in your business.
Rewards
Buy rewards with credits
Marketplace rewards can be priced in points, credits or both, and members choose how to pay.
Referrals
Pay referral commission as credit
Commission from referred friends lands in the wallet and is spent back in your store.
Reservations
Take deposits from the wallet
Booking deposits can be paid with wallet credit as well as by the payment gateway.
Loyalty
Earn points on credit spend
Members still earn loyalty points when they pay with credits, so prepaying never feels like a trade-off.
Promotions
Milestone top-up rewards
Give a voucher when a customer tops up a set amount in one go, on top of the bonus credit.
Finance
Set a credit expiry
Choose how long credits stay valid, so prepaid balances don’t sit on your books forever.
Keep the sale
Why refund to the wallet instead of cash?
A cash refund ends the relationship. A wallet refund keeps the value, and the customer, with you.
Revenue stays in-house. The refunded amount returns as credit that can only be spent with you.
Faster for staff. No cash drawer adjustments or bank transfers to chase.
Clear for customers. The refund shows in their credit history with the date and amount.
A reason to return. Credit in the wallet is a gentle nudge to come back and shop again.
The return is processed and the value goes straight back into the wallet.
One wallet, every outlet
Can one wallet work across several brands?
Yes, when the brands run as outlets under one Pixalink organisation. The wallet belongs to the organisation, so a customer’s credit works at every brand and outlet you run.
F&B groups. Top up at the café, spend at the sister bakery.
Franchise and chains. One balance across all branches.
Still closed loop. Only the outlets in your organisation accept the credit.
Your organisation
One Pixalink account
One wallet
110.00 cdts
Kopi Lane
Bangsar
Mont Kiara
Bao House
Mid Valley
Subang
Sweet Crumbs
Damansara
Through our CommercePay partnership
Which payment methods can customers top up with?
Self top-up runs through the payment gateway, so customers pay the way they already pay. Credits are added automatically once payment succeeds.
Credit & debit cards
FPX online banking
DuitNow QR
Touch ’n Go eWallet
GrabPay
Boost
ShopeePay
Alipay
Atome (buy now, pay later)
Available methods include those above. Availability depends on your merchant account and country. Customers who prefer cash can top up at the counter.
Counter top-up: staff add credit when a customer pays in cash or at the till.
What customers see
The wallet lives in your branded portal.
Balance, history and the choice of paying with points or credits, without a separate app.
- Top Up and Pay Now buttons on the wallet
- Optional credit authenticator (2FA) before spending
- Every entry dated and explained
Screens rebuilt from the Pixalink customer portal with example data
Go live
How do you launch a stored value wallet?
Preset tiles, custom amounts and minimum and maximum limits.
Bonus credit by threshold, plus an optional milestone voucher.
Turn on gateway top-up and train staff on counter top-up.
Let members pay for marketplace rewards with points or credits.
Promote the top-up bonus by WhatsApp and at the counter.
What is a closed loop wallet?
A prepaid wallet whose balance can only be spent with the business that issued it. Unlike an open e-wallet, the money cannot be spent elsewhere, so it stays with your business.
Is a credit wallet the same as a stored value card?
It does the same job as a stored value card, but lives in the customer’s phone inside your branded portal. Customers can top up online, see their balance and history, and never lose a card.
How do customers top up their wallet?
Online through the payment gateway, with preset or custom amounts, or at your counter, where staff add the credit manually.
How does a top-up bonus work?
You set bonus rules by amount, for example top up RM100 and get 10 bonus credits, for 110 credits in total. Larger top-ups can earn larger bonuses, and you can add a voucher for a single large top-up.
What can customers spend credits on?
Purchases in your outlets and online, and rewards in your rewards marketplace. Members still earn loyalty points when they pay with credits.
Can refunds go back to the wallet?
Yes. Refunds can be returned to the wallet as credit instead of cash, and referral commission is paid into the wallet too.
Can one wallet be used across different brands?
Yes, if the brands run as outlets under one Pixalink organisation. The wallet is shared across every outlet in the organisation.
Which payment methods are supported for top-up?
Through our CommercePay partnership, available methods include cards, FPX online banking, DuitNow QR, Touch ’n Go eWallet, GrabPay, Boost, ShopeePay, Alipay and Atome. Availability depends on your merchant account and country.
Works well with
Features that pair with Credit Wallet.
Referrals
Three proven referral models
Rewards & Vouchers
Vouchers staff can validate in one tap
Loyalty Points
Every ringgit earns a reason to return
Online Ordering
Keep orders and customers in your own channel
Reservation System
Tables, appointments, rooms and events
Paid Membership
Recurring revenue from yearly plans
See all 14 features
Ready when you are
Get paid upfront and keep every ringgit in-house.
We’ll help you set top-up amounts, bonus rules and refund policies that fit your margins.
