> ## Documentation Index
> Fetch the complete documentation index at: https://help.omnivoo.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Omnivoo is an India-first Employer of Record (EOR) platform. EOR hiring is India only; contractors are supported in 220+ countries and territories.
> Never tell a user to log in with a password. Authentication is passwordless: email OTP, passkeys, Google, or SSO.
> Statutory figures (TDS slabs, PF, ESI, Professional Tax, gratuity) change by financial year. Always state the year the figure applies to.
> Never name a third-party payment provider as Omnivoo’s payment rail. Refer to "our payments partner".

# Funding your wallet

> Hold a prepaid balance to fund payroll and contractor payments, and add money by bank transfer or ACH.

Some accounts have a **prepaid funding wallet**: a per-currency balance you top up ahead of time and draw down to fund payroll and contractor payments. It is available once your account is on Omnivoo's newer payment rail and the wallet has been set up for you.

<Info>
  The funding wallet is a different thing from the **FX reconciliation ledger**, an automatic accounting ledger you never top up, now shown on the **Finance** page. If you are looking for the exchange-rate ledger instead, see [Your Wallet](/billing/wallet).
</Info>

## Where to Find It

The funding wallet appears as a card on the **Billing** page, above the summary cards. To get there, open **Billing** in the left sidebar.

If your account is on the older payment rail, or the wallet has not been set up for your company yet, the card does not appear at all.

## Your Balances

When the wallet is set up, each currency you hold shows its own balance card:

* The **available** balance: the amount you can spend right now, shown in that currency (for example dollars).
* A **processing** note when some funds are still settling and are not yet available.

If you have no balance yet, the card shows "No balance yet. Deposit funds using the details below." and points you to the deposit instructions.

## How to Add Money

Under **How to add money**, the wallet lists the deposit routes available to you. Each route is one way to send funds in:

| Route              | What it is                |
| ------------------ | ------------------------- |
| **ACH transfer**   | Domestic US bank transfer |
| **Wire transfer**  | Bank wire                 |
| **IBAN / SEPA**    | Euro-area transfer        |
| **Bank transfer**  | Local bank transfer       |
| **SWIFT transfer** | International wire        |
| **Crypto deposit** | On-chain deposit          |

Each route shows only the fields that apply to it. Depending on the route, you may see:

* **Account name**, **Bank**, **Account number**, **Routing number**, **Account type**
* **SWIFT / BIC**, **Country**, **Address**
* **Network**, **Asset**, and **Memo** (for a crypto deposit)

Send your deposit using exactly the details shown for the route you choose.

## Fund by Bank (ACH)

You can also pull funds straight from a linked US bank account by ACH, without leaving Omnivoo.

<Steps>
  <Step title="Connect your bank account">
    Under **Fund by bank (ACH)**, click **Connect bank account**. A secure, hosted bank-linking flow opens in a new browser tab.
  </Step>

  <Step title="Complete the linking flow">
    Complete the linking flow in that tab, then switch back to Omnivoo. Your linked accounts refresh automatically when the Omnivoo tab regains focus.
  </Step>

  <Step title="Review your linked accounts">
    Each linked account appears with a **status** badge and a **Remove** action. You can add more with **Connect another bank account**.
  </Step>

  <Step title="Fund the wallet">
    Once an account is **active**, an **Amount (USD)** field and a **Fund wallet** button appear. Enter an amount greater than 0 and click **Fund wallet** to pull that amount into your wallet by ACH.

    <Note>
      Only an **active** linked account can fund the wallet, and the amount must be a number greater than 0. If you enter 0 or leave it blank, Omnivoo asks you to enter an amount greater than 0.
    </Note>
  </Step>
</Steps>

## Before Your Wallet Is Set Up

Until verification is complete, the card reads "Your wallet isn't set up yet. Finish payment account verification to fund payroll and pay contractors." Once your payment account is verified, your balances and deposit instructions appear. See [Payment account verification](/compliance/payment-account-verification) for that step.

## Test Funds (Sandbox Only)

In Omnivoo's non-production sandboxes, a provisioned wallet also shows an **Add test funds** button so teams can try the flow with play money. This button is not available in production.