How to become a ClassWallet vendor
The digital wallet most ESA states use to pay vendors. Here’s how to register, how you get paid, and how to avoid the rejections that hold up your money.
Reviewed June 2026 against official ClassWallet vendor documentation. Not legal advice — verify with your state ESA program.
What ClassWallet is
ClassWallet is the payment platform behind Arizona's ESA and most other universal-ESA states. You register as an approved vendor, the family pays you from their ClassWallet balance against an itemised invoice, and funds land in your business bank account — minus the service fee.
How to register as a ClassWallet vendor
- Get approved as a vendor / service provider with your state's ESA program first — ClassWallet pays, but the state approves who can be paid.
- Register your business on ClassWallet and connect your bank account (voided check or account/routing details).
- Confirm your payout and tax details so payments aren't held.
- Send each family an itemised invoice; they upload it via "Pay Vendor" and choose the matching expense category.
- ClassWallet reviews and releases the funds; you log the service for your audit file.
How ClassWallet pays vendors
- Payout: Direct deposit to your business bank account once a payment clears.
- Fees: ~2.5% vendor service fee deducted from each payout.
- Flow: Parent-directed: the family logs into ClassWallet, uses "Pay Vendor" to upload your itemised invoice, and selects one approved expense category. Approved vendors can also be paid directly.
Why ClassWallet payments get rejected (and how to avoid it)
- ClassWallet rejects the ENTIRE order if one line item is unallowable or if categories are mixed (e.g. technology + curriculum on the same order). Keep each order to one clean category.
- For reimbursements, some states require BOTH an itemised invoice AND a proof-of-payment receipt — an invoice alone is denied. Direct vendor-pay can be invoice-only.
- Therapists and qualified examiners must show a current license number on the invoice.
- If you include the 2.5% fee, it must appear as its own line item where the program requires it.
Send a ClassWallet invoice that clears the first time
Our free generator builds an itemised invoice with every required field and warns you before you submit something that’ll bounce.
States that use ClassWallet for ESA
ClassWallet is the payment rail in these ESA states. Each approves its own vendors and sets its own invoice rules — pick yours for the exact steps, deadlines and required fields:
Arizona
Empowerment Scholarship Account
Become a vendor →
Utah
Utah Fits All Scholarship
Become a vendor →
Arkansas
Children's Educational Freedom Account
Become a vendor →
Tennessee
Education Freedom Scholarship
Become a vendor →
West Virginia
Hope Scholarship
Become a vendor →
North Carolina
Education Student Accounts (ESA+)
Become a vendor →
Indiana
Education Scholarship Account
Become a vendor →
New Hampshire
Education Freedom Account
Become a vendor →
Alabama
CHOOSE Act
Become a vendor →
South Carolina
Education Scholarship Trust Fund
Become a vendor →
ClassWallet vendor FAQ
How do I become a ClassWallet vendor?
ClassWallet is the payment platform behind Arizona's ESA and most other universal-ESA states. You register as an approved vendor, the family pays you from their ClassWallet balance against an itemised invoice, and funds land in your business bank account — minus the service fee.
How does ClassWallet pay vendors?
Direct deposit to your business bank account once a payment clears. Parent-directed: the family logs into ClassWallet, uses "Pay Vendor" to upload your itemised invoice, and selects one approved expense category. Approved vendors can also be paid directly.
What are the ClassWallet vendor fees?
~2.5% vendor service fee deducted from each payout. Price your services against what actually lands in your account, not the full invoice total.
Which states use ClassWallet for ESA?
ClassWallet is the payment rail for ESA in Arizona, Utah, Arkansas, Tennessee, West Virginia, North Carolina, Indiana, New Hampshire, Alabama, South Carolina. Each state approves its own vendors, then pays through ClassWallet.
Why do ClassWallet orders get rejected?
ClassWallet rejects the ENTIRE order if one line item is unallowable or if categories are mixed (e.g. technology + curriculum on the same order). Keep each order to one clean category.
How to become an ESA vendor (all states) → · ESA terms explained →