The Best Wallet Plugins for WooCommerce Wholesalers in 2025

Running a wholesale WooCommerce store is already challenging, managing bulk orders, negotiating prices, and keeping track of customers. But when it comes to payments, things often get messy. 

Traditional gateways may work fine for retailers, yet wholesalers usually need something faster, more flexible, and tailored to repeat transactions.

That’s where a digital wallet system comes in. 

Instead of relying only on bank transfers or card payments, you can let buyers deposit funds in advance, use store credits, and make bulk checkouts with just a click.

It’s not just about convenience; it’s about building trust, improving cash flow, and creating a smoother buying experience for your wholesale clients.

In this guide, we’ll explore why a digital wallet is essential for wholesalers, the features to look for, the best wallet plugins for WooCommerce, and how to set one up easily.

A wallet plugin in WooCommerce helps wholesalers streamline payments, offer store credits, and speed up bulk orders, making transactions simpler for both store owners and buyers.

Quick Look: Top Wallet Plugins for WooCommerce Wholesalers

Before choosing a wallet plugin, it helps to see a quick comparison of the top options for WooCommerce wholesalers. This table highlights what each plugin is best for, along with its main pros and cons.

Use this overview to quickly identify which plugin fits your store’s needs. While each option has strengths, consider your business model, ease of use, and integration requirements to make the right choice.

Choosing the Right Wallet Plugin Based on Your Business Needs

When selecting a digital wallet plugin for your WooCommerce wholesale store, consider the following:

1. Business Model & Volume
   If you’re managing multiple wholesale customers with recurring bulk orders, a plugin like WholesaleX gives you multi-user support and credit management tailored for wholesale.
   
2. Ease of Use vs Features
   Plugins like Wallet System for WooCommerce are lightweight and easy to set up for beginners.
   Premium options, like Wallet for WooCommerce, offer more advanced features but may have a learning curve.
   
3. Currency & Payment Handling
   If your store needs multi-currency support or advanced payment reporting, plugins like TerraWallet or Wallet for WooCommerce might be more suitable.
   
4. Integration with Your Store
   Consider how well the wallet plugin integrates with your existing WooCommerce setup and wholesale plugins. WholesaleX stands out for seamless integration without extra configuration.
   
5. Budget Considerations
   Free plugins can cover most basic wallet needs, while premium plugins may provide advanced reporting, multi-currency support, or additional integrations.

💡 Pro Tip:
For wholesale beginners, it’s often better to start with a plugin that balances usability and essential features, then upgrade as your business grows.

Why You Need a Wallet Plugin for Your WooCommerce Wholesale Store

Running a wholesale WooCommerce store comes with unique challenges: managing bulk orders, offering credit to repeat buyers, and handling refunds or partial payments efficiently. A digital wallet plugin can simplify all of this.

Here’s why it’s especially useful for wholesale stores:

• Faster Checkout for Bulk Orders: Wholesale customers often place large orders. With a wallet system, they can pay instantly using store credit, reducing friction at checkout.
  
• Easier Credit Management: Instead of manually tracking who owes what, the plugin manages balances automatically, making bookkeeping simpler.
  
• Encourages Repeat Purchases: Customers with wallet credit are more likely to come back and spend it, boosting loyalty and recurring revenue.
  
• Simplifies Refunds and Partial Payments: Returning funds or allowing partial payments becomes straightforward, without affecting order processing or manual adjustments.
  
• Better Control Over Wholesale Pricing: Some plugins let you restrict wallet usage to specific user roles, making it ideal for wholesale-only customers.

In short, a digital wallet plugin streamlines payments, reduces administrative work, and improves the overall buying experience for your wholesale clients. It’s a small addition that can make a big difference in your store’s efficiency and customer satisfaction.

Key Features to Look for in a WooCommerce Wallet Plugin

When choosing a wallet plugin for your wholesale store, focus on features that make payments smooth and management simple:

• Multi-User Support: Let multiple wholesale customers have individual wallet balances.
  
• Partial Payments & Prepayments: Accept partial payments or allow customers to prepay for bulk orders.
  
• Easy Setup & Management: Beginner-friendly configuration without complex settings.
  
• Transaction Tracking & Reporting: Keep clear records of wallet activity and balances.
  
• Role-Based Access: Restrict wallet use to wholesale customers if needed.
  
• Security & Reliability: Ensure safe handling of funds and protected transactions.
  
• Integration with WooCommerce: Works seamlessly with your existing store setup and other plugins.

These features ensure your wallet system saves time, reduces errors, and improves the buying experience for wholesale clients.

Best Wallet Plugins for WooCommerce Wholesalers

Integrating a digital wallet into your WooCommerce wholesale store can streamline transactions, enhance customer experience, and simplify financial management. Below are some of the top digital wallet plugins tailored for WooCommerce wholesalers:

1. WholesaleX

WholesaleX is designed specifically for wholesale stores using WooCommerce. It allows you to manage multi-user wallets, making it easier to handle store credits, partial payments, and bulk order transactions.

The setup is beginner-friendly and integrates seamlessly with WooCommerce wholesale features. It’s ideal for stores that want a dedicated wallet solution focused on wholesale operations without complicated settings or unnecessary features for retail customers.

Key Features:

• The plugin supports multi-user wallets, allowing wholesale customers to manage funds across teams or departments under one account.
• Wholesalers can make partial payments or prepayments, giving them greater flexibility in handling bulk orders.
• It offers seamless integration with WooCommerce wholesale roles, so you can assign wallet access and permissions based on customer type.
• Every wallet action is recorded with detailed transaction tracking and reporting, ensuring both store owners and customers maintain full financial transparency.

Pros:

• Beginner-friendly setup
• Tailored for wholesale workflows
• Smooth WooCommerce integration

Cons:

• Paid feature of WholesaleX

Active Installations: 2,000+
Rating: 5/5

2. Wallet System for WooCommerce

Wallet System for WooCommerce is a lightweight plugin that lets customers top up their wallet balance, make payments, and receive refunds. While it’s not wholesale-specific, it works well for stores needing basic wallet functionality.

It’s a good choice for beginners who want simple wallet features without extra configuration or cost.

Key Features:

• The plugin lets customers easily deposit funds into their wallet and use them for future purchases.
• It provides store owners with full control to add, deduct, or refund amounts directly from customer wallets.
• Transaction history is automatically recorded, giving both admin and buyers a clear overview of wallet activity.
• Wallet balances can also be used alongside other payment gateways during checkout.

Pros:

• Simple setup for beginners
• Supports partial payments
• Free and lightweight

Cons:

• Basic UI
• Limited wholesale-specific features

Active Installations: 3,000+
Rating: 4.9/5

3. Wallet for WooCommerce

Wallet for WooCommerce is a premium solution offering robust wallet features, including multiple currencies and advanced reporting. It’s suitable for stores that need a polished interface and more control over wallet transactions.

While it’s paid, it provides a professional solution for stores with growing wholesale needs.

Key Features:

• The plugin supports multiple currencies, allowing your store to handle international wholesale transactions seamlessly.
• It provides advanced reporting and detailed transaction logs, giving you a clear overview of wallet activity and customer spending patterns.
• Customers can make partial payments and receive refunds directly to their wallet, simplifying the checkout and refund process for bulk orders.

Pros:

• Robust features
• Professional interface
• Supports multiple currencies

Cons:

• Paid plugin
• It can be complex for beginners

Active Installations: 200+
Rating: 4.2/5

4. Wallet for WooCommerce by TerraWallet

TerraWallet allows multi-currency wallet management and detailed transaction tracking. It’s flexible but may feel overwhelming for beginners due to its wide range of options.

It’s best for stores needing advanced wallet functionality beyond basic credit handling.

Key Features:

• TeraWallet allows customers to recharge their wallets using multiple payment methods and spend those funds across the store.
• It automatically adjusts wallet balances during checkout, making the payment process faster and more convenient.
• Store owners can reward loyal customers by crediting cashback or bonuses directly into their wallets.
• The system includes detailed reports that help track wallet usage and customer spending patterns.

Pros:

• Supports multiple currencies
• Detailed reporting
• Flexible wallet management

Cons:

• Overwhelming for beginners
• Limited wholesale-specific features

Active Installations: 20,000+
Rating: 4.7/5

5. YITH WooCommerce Account Funds

YITH Account Funds allows customers to store funds in their accounts and use them for purchases. It integrates well with the YITH ecosystem and works for prepayments, though it’s not focused on wholesale roles.

It’s suitable for stores that want a reliable wallet without advanced wholesale features.

Key Features:

• The plugin provides account fund management, allowing customers to maintain a balance in their accounts for future purchases.
• It supports prepayments and refunds, making it easier for wholesale clients to pay in advance or receive funds back quickly.
• The system offers easy integration with other YITH plugins, ensuring smooth compatibility within the YITH ecosystem.

Pros:

• Easy to manage funds
• Integrates with the YITH ecosystem
• Simple setup

Cons:

• Less flexible for bulk wholesale orders
• Not designed for multi-user wholesale wallets

Active Installations: N/A
Rating: 4.5/5

6. Payment Gateway for Stripe and WooCommerce

This plugin is primarily a payment gateway but includes wallet-style functionality with Stripe. It allows customers to pay using stored funds, but it’s not a dedicated wallet system.

It’s suitable for stores already using Stripe and looking for a lightweight wallet option.

Key Features:

• The plugin provides Stripe integration, allowing seamless payment processing through one of the most popular gateways.
• Customers can make wallet-style payments, using stored funds for faster and more convenient checkout.
• All transactions are secure, ensuring that both your store and your wholesale clients are protected during payments.

Pros:

• Smooth Stripe integration
• Secure payments
• Lightweight solution

Cons:

• Not a dedicated wallet plugin
• Lacks credit top-ups and multi-user support

Active Installations: 10,000+
Rating: 4.5/5

How to Set Up a Digital Wallet Plugin for Your WooCommerce Store

Now that you’ve seen the comparison and chosen the right plugin for your wholesale store, it’s time to set up your digital wallet. For this demonstration, we’ll use WholesaleX. This plugin is beginner-friendly and designed specifically for WooCommerce wholesalers.

Before jumping into the step-by-step procedure, you have to install and activate the plugin. Then purchase the pro version from the official site. If it seems too complicated, you can follow the documentation on the installation process.

Now that you are all set, let’s go follow the procedure.

Step 1: Turn on the WholesaleX Wallet addon

For starters, let’s go to WholesaleX’s Addon menu. Here you will find the WholesaleX Wallet addon. Enable it.

If you want to control the partial payment and refund control from the wallet, click the gear icon next to it. You will find them in the settings interface of Wallet, along with other customization options.

Step 2: Allow wholesale customers to use Wallet

Then, go to the User Role menu of WholesaleX and click on the existing wholesale customer group. Here, you can control which payment method will be applicable for this customer group.

Turn on the WholesaleX Wallet Payment and hit the save button.

Voila! The wallet is now available to use for the wholesale customer user group. Every customer of that user role can add balance, use it for transactions, and transfer funds to their subaccounts.

To see the balance and history of the wallet, go to my account ➡️ WholesaleX Wallet.

This setup ensures your store is ready for bulk orders while keeping wallet management simple for both you and your customers.

Tips for Optimizing Your Payment Process as a WooCommerce Wholesaler

A well-functioning payment system can make or break the wholesale buying experience. Beyond just adding a digital wallet, here are practical ways to optimize payments in your WooCommerce store:

• Encourage Prepaid Wallets: Motivate customers to top up their wallets in advance for smoother bulk order payments.
  
• Offer Partial Payments: Allow buyers to split payments, making it easier to handle larger orders.
  
• Set Role-Based Wallet Access: Restrict wallet usage to wholesale users for better control.
  
• Simplify Refunds: Process refunds directly to wallets for quicker resolution and improved customer trust.
  
• Use Wallet Promotions: Provide bonuses or discounts when customers use wallet payments to boost repeat orders.
  
• Keep Reports Transparent: Regularly review wallet transactions to track balances and maintain accuracy.

By combining digital wallet features with these optimization tips, you can streamline bulk payments, improve customer satisfaction, and keep your wholesale store running smoothly.

FAQs About Wallet Plugins for WooCommerce Wholesalers

Conclusion

Managing payments in a wholesale WooCommerce store doesn’t have to be complicated. With the right wallet plugin, you can simplify bulk transactions, speed up checkout, and keep customers coming back with an easier, credit-based system.

Whether you’re just starting with wholesale or looking to upgrade your payment process, the plugins we covered give you plenty of options.

The key is to choose a wallet that fits your business model, customer needs, and growth plans. Start simple, optimize as you go, and give your wholesale buyers the seamless experience they expect.

👉 If you want a balance of ease of use, wholesale-specific features, and reliable support, WholesaleX is a great place to start.

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Written byShahbaj Arefin

Arefin is a passionate writer with over three years of experience exploring the world of WordPress and WooCommerce. He loves diving into themes, plugins, and tools, sharing insights that help users build and optimize their websites with ease. When he's not writing, you’ll find him testing the latest tech to uncover game-changing features for online businesses.