An eWallet acts as an online wallet in combination with an online money transfer service. EWallet holders can deposit funds to their eWallet account, transfer funds to and from eWallet merchants and other eWallet holders, and withdraw funds from their eWallet account.

Deposits are made into an eWallet by its account holder using several pay-in methods. Account holders can pay a merchant or other eWallet holder by debit from the eWallet account, or directly, using a registered preferred payment method.

Funds may be transferred back to an eWallet holder's account from another member's account. For example, a merchant may deposit a refund directly to an eWallet account.

Funds may be withdrawn by the account holder using a wire transfer or a debit card.