Self-Funded Payments in Emburse Pay

Self-funded payments use a pre-funded Airwallex wallet. You send funds from your bank to a global receiving account, Emburse Pay tracks the deposit and wallet balance, and you release payments when sufficient funds are available. This topic explains how self funding differs from direct-debit pull funding and where to manage receiving accounts.

Prerequisites

• Your organization uses the Unified Emburse Pay workspace with Airwallex Account Management.
• Your profile has access to Emburse Pay and to Account Management configuration.
• Connected Airwallex entities are approved for your organization after Know Your Customer and Know Your Business verification.

Self-Funded Workflow Overview

Work through the following sequence when you onboard or operate a self-funded Airwallex wallet. The subsections below summarize the core Account Management steps. Use the linked topics for field-level detail, screenshots, tables, and edge cases.

Open Account Management

1. In Emburse Pay, open the configuration area by selecting the gear icon.
2. In the left navigation menu, select Account Management.

The Account Management page displays. Tabs include Funding Sources and Global Accounts for payment funding configuration.

Account Management is separate from the legacy Payment Accounts screen used to assign vendor funding accounts for virtual card and ACH payments. Do not use that screen to manage Airwallex wallet balances or global receiving accounts.

Provision a Self-Funded Global Receiving Account

Start the add-currency workflow from Add Primary Currency or Add Currency on the Funding Sources tab. The workflow provisions a global receiving account when you select self-funding as the funding method.

1. Confirm the connected entity name in the workflow header.
2. On Choose currency, select a currency and region pair from the list. Some pairs are available only through self-funding.
3. On Choose a funding method, select Self-Funding to provision a global receiving account for manual bank deposits.
4. Optionally enter a nickname for the receiving account.
5. Select Local or SWIFT as the transfer method. Local uses the domestic clearing system where the account is held. SWIFT supports international wire collection.
6. On the summary step, select Provision Account.
7. Wait for the success confirmation.
8. Open the Global Accounts tab.

See also Add a Self-Funded Global Account.

Copy Receiving Details and Send a Deposit

Each global account displays as a card grouped by currency and region on the Global Accounts tab. Use the card to copy bank identifiers, bank name, and SWIFT or BIC details for your transfer type.

1. Select Copy beside an individual field to copy one value.
2. Alternatively, select Copy All Details to copy the full receiving set for the card.
3. In your banking portal, initiate a transfer for the same currency and amount you intend to fund.
4. Return to Account Management and review the last deposit line on the account card.

Deposits can take time to appear on the account card. When funds are available, release cross-currency batches from the Awaiting Release tab on Payment Management. Release batches that you held for insufficient wallet funds from the Pending tab on Payment Activity.

See also View Global Receiving Account Details.

Submit and Release Payments

Submit and monitor payments on Payment Management and Payment Activity. When the wallet balance is insufficient, hold the batch, add funds, then release the batch from Payment Activity.

See also Payment Management and Payment Activity.

Direct Debit Pull Versus Self-Funded Deposit

Emburse Pay supports two funding models for Airwallex wallets. Some currencies and regions support one model, the other, or both.