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

# Bankroll

> As a Payment Method — Accept Bankroll anywhere

# Bankroll — As a Payment Method

Bankroll isn't just a wallet—it's a payment method. Integrate Bankroll as a first-class checkout option and tap into a growing network of users who prefer paying with their Bankroll balance.

<img src="https://mintlify.s3.us-west-1.amazonaws.com/hedgeinc/images/bankroll-hero.svg" alt="Bankroll Payment Method" />

## Why Accept Bankroll?

<CardGroup cols={2}>
  <Card title="Instant Settlement" icon="bolt">
    No waiting for card networks. Funds settle immediately to your account.
  </Card>

  <Card title="Lower Fees" icon="percent">
    Significantly cheaper than credit card processing. Keep more of every sale.
  </Card>

  <Card title="Built-in Users" icon="users">
    Tap into the Bankroll user base. Users with balance are ready to spend.
  </Card>

  <Card title="Zero Chargebacks" icon="shield">
    Balance-based payments mean no chargebacks, ever.
  </Card>
</CardGroup>

## How It Works

<Steps>
  <Step title="User Selects Bankroll">
    At checkout, user chooses "Pay with Bankroll" alongside card and other options.
  </Step>

  <Step title="Authenticate">
    User authenticates via Bankroll app or biometrics. One-tap approval.
  </Step>

  <Step title="Balance Check">
    We verify sufficient balance in real-time. If short, user can top up instantly.
  </Step>

  <Step title="Instant Transfer">
    Funds move from user's Bankroll to your merchant account immediately.
  </Step>
</Steps>

## Payment Options

Bankroll supports multiple funding sources for maximum flexibility:

<Tabs>
  <Tab title="Bankroll Balance">
    Users pay directly from their Bankroll cash balance. Instant, no fees for users.

    **Best for:** Quick purchases, P2P payments, gaming
  </Tab>

  <Tab title="Virtual Card">
    Bankroll issues virtual Visa cards powered by Stripe Issuing. Works anywhere Visa is accepted.

    **Best for:** Online shopping, subscriptions, anywhere cards are needed
  </Tab>

  <Tab title="Linked Bank">
    Users can fund Bankroll balance from linked bank accounts via ACH.

    **Best for:** Larger purchases, account top-ups
  </Tab>

  <Tab title="CoverPay">
    When balance is insufficient, users can use CoverPay BNPL to complete the purchase.

    **Best for:** Larger purchases users want to split
  </Tab>
</Tabs>

## Integration Example

```javascript theme={null}
import { Bankroll } from '@hedgepayments/bankroll';

const bankroll = new Bankroll({
  apiKey: process.env.BANKROLL_API_KEY,
  merchantId: process.env.MERCHANT_ID
});

// Check if user can pay with Bankroll
const eligibility = await bankroll.checkPaymentEligibility({
  userId: 'user-123',
  amount: 49.99
});

console.log('Can pay:', eligibility.canPay);
console.log('Balance:', eligibility.balance);
console.log('Shortfall:', eligibility.shortfall);

if (eligibility.canPay) {
  // Process the payment
  const payment = await bankroll.processPayment({
    userId: 'user-123',
    amount: 49.99,
    orderId: 'order-789',
    description: 'Premium Subscription'
  });

  console.log('Payment ID:', payment.id);
  console.log('Status:', payment.status); // 'completed'
  console.log('New Balance:', payment.balanceAfter);

} else if (eligibility.canUseCoverPay) {
  // Offer CoverPay for the shortfall
  console.log('Offer CoverPay for:', eligibility.shortfall);
}
```

## Virtual Cards

Every Bankroll user can get a virtual Visa debit card, powered by Stripe Issuing:

<CardGroup cols={3}>
  <Card title="Instant Issuance" icon="bolt">
    Cards issued in seconds, ready to use immediately
  </Card>

  <Card title="Spending Controls" icon="lock">
    Users can lock/unlock, set limits, and control their card
  </Card>

  <Card title="Real-time Alerts" icon="bell">
    Push notifications for every transaction
  </Card>
</CardGroup>

```javascript theme={null}
// Create a virtual card for a user
const card = await bankroll.createVirtualCard({
  userId: 'user-123',
  nickname: 'Shopping Card',
  spendingLimit: {
    amount: 500,
    interval: 'monthly'
  }
});

console.log('Card Number:', card.number);
console.log('Expiry:', card.expMonth + '/' + card.expYear);
console.log('CVV:', card.cvc);
```

## P2P Payments

Bankroll users can send money to each other instantly:

```javascript theme={null}
// Send money to another Bankroll user
const transfer = await bankroll.sendP2P({
  fromUserId: 'user-123',
  toUserId: 'user-456',
  amount: 25.00,
  note: 'Lunch yesterday'
});

console.log('Transfer ID:', transfer.id);
console.log('Status:', transfer.status); // 'completed'
```

## Merchant Benefits

| Benefit                | Details                                 |
| ---------------------- | --------------------------------------- |
| **Lower Fees**         | 1.5% vs 2.9% + \$0.30 for cards         |
| **Instant Settlement** | Funds available immediately             |
| **No Chargebacks**     | Balance-based = no disputes             |
| **User Loyalty**       | Bankroll users are repeat customers     |
| **Cross-sell SideBet** | Users can enable round-ups on purchases |
| **Offer CoverPay**     | Upsell with BNPL when balance is low    |

## Pricing

<Info>
  Bankroll payment processing is significantly cheaper than card networks.
</Info>

| Payment Type                   | Fee           |
| ------------------------------ | ------------- |
| Bankroll Balance               | 1.5%          |
| Virtual Card (Bankroll-issued) | 1.5%          |
| CoverPay (BNPL)                | 3.5% + \$0.30 |

## Get Started

<CardGroup cols={2}>
  <Card title="Checkout Integration" icon="shopping-cart" href="/products/bankroll/checkout-integration">
    Add Bankroll to your checkout
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/bankroll/check-eligibility">
    Explore Bankroll endpoints
  </Card>
</CardGroup>