Skip to main content

Build a SaaS Platform With User Wallets

Learn how to create a scalable SaaS platform with integrated user wallets using NextAPI's powerful wallet management features.

Overview​

Building a SaaS platform with user wallets allows you to:

  • Manage user funds with complete isolation
  • Enable platform monetization through commissions
  • Provide seamless payment experiences
  • Handle complex financial workflows

Getting Started​

Prerequisites​

  • NextAPI API keys
  • Understanding of wallet concepts
  • Basic knowledge of REST APIs

Platform Architecture​

User Registration → Wallet Creation → Fund Management → Transaction Processing

Implementation Steps​

1. User Wallet Creation​

async function createUserWallet(userId) {
  const response = await fetch('https://api.nextpay.world/v2/wallets', {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer YOUR_API_KEY',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      userId: userId,
      walletType: 'user',
      currency: 'PHP'
    })
  });
  
  return await response.json();
}

2. Fund Management​

// Add funds to user wallet
async function creditUserWallet(walletId, amount, reference) {
  const response = await fetch(`https://api.nextpay.world/v2/wallets/${walletId}/credit`, {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer YOUR_API_KEY',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      amount: amount,
      reference: reference,
      description: 'Wallet credit'
    })
  });
  
  return await response.json();
}

3. Transaction Processing​

// Process payment from user wallet
async function processPayment(walletId, amount, recipient) {
  const response = await fetch(`https://api.nextpay.world/v2/wallets/${walletId}/debit`, {
    method: 'POST',
    headers: {
      'Authorization': 'Bearer YOUR_API_KEY',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      amount: amount,
      recipient: recipient,
      description: 'Payment processed'
    })
  });
  
  return await response.json();
}

Best Practices​

Security Considerations​

  • Always validate user permissions before wallet operations
  • Implement proper authentication and authorization
  • Use HTTPS for all API calls
  • Log all financial transactions for audit purposes

Error Handling​

try {
  const result = await createUserWallet(userId);
  console.log('Wallet created successfully:', result);
} catch (error) {
  if (error.status === 409) {
    console.log('Wallet already exists for this user');
  } else {
    console.error('Error creating wallet:', error.message);
  }
}

Advanced Features​

Commission System​

async function processPaymentWithCommission(walletId, amount, recipient, commissionRate = 0.05) {
  const commission = amount * commissionRate;
  const netAmount = amount - commission;
  
  // Process payment to recipient
  await processPayment(walletId, netAmount, recipient);
  
  // Credit commission to platform wallet
  await creditUserWallet('platform-wallet-id', commission, 'commission');
}

Balance Monitoring​

async function getUserWalletBalance(walletId) {
  const response = await fetch(`https://api.nextpay.world/v2/wallets/${walletId}/balance`, {
    headers: {
      'Authorization': 'Bearer YOUR_API_KEY'
    }
  });
  
  return await response.json();
}

Webhook Integration​

Set up webhooks to receive real-time updates about wallet transactions:

// Webhook endpoint example
app.post('/webhooks/nextpay', (req, res) => {
  const event = req.body;
  
  switch (event.type) {
    case 'wallet.credited':
      handleWalletCredit(event.data);
      break;
    case 'wallet.debited':
      handleWalletDebit(event.data);
      break;
    case 'payment.completed':
      handlePaymentCompletion(event.data);
      break;
  }
  
  res.status(200).send('OK');
});

Testing Your Integration​

Test Environment​

Use the sandbox environment for testing:

  • API Endpoint: https://api.sandbox.nextpay.world/v2
  • Test API keys available in developer dashboard

Test Cases​

  1. Create user wallet
  2. Credit wallet with test funds
  3. Process test payment
  4. Verify commission deduction
  5. Test webhook notifications

Conclusion​

Building a SaaS platform with user wallets using NextAPI provides:

  • ✅ Secure wallet management
  • ✅ Flexible commission system
  • ✅ Real-time transaction processing
  • ✅ Comprehensive audit trails
  • ✅ Scalable architecture

Ready to start building? Get your API keys and begin integration today.