What ClassWallet is
ClassWallet provides wallet and transaction technology for multiple education-funding programs. Vendor approval, available payment paths, supporting documents, fees and final decisions remain program-specific.
How to register as a ClassWallet vendor
- Confirm which organization approves providers and expenses for the state program you serve.
- Follow that program's current vendor or payee onboarding route and provide only the requested identity, tax and payout details.
- Confirm which transaction paths are available for your category and account.
- Prepare the itemized invoice, receipt, authorization or fulfillment evidence required for that specific path.
- Track the administering organization's decision, then reconcile the approved amount, any fee or adjustment, payout reference and bank deposit.
Prepare the state application before opening the portal
Build a reusable checklist for your legal business records, provider credentials, state-specific steps, and post-approval invoice fields.
Build my application checklist →How the ClassWallet marketplace, vendor list and Pay Vendor flow differ
ClassWallet is the wallet and transaction layer used by multiple programs. “ClassWallet marketplace” can describe the catalog families shop, but families may also pay an approved provider through a program-specific Pay Vendor flow or submit a qualifying reimbursement. The state—not ClassWallet alone—decides provider approval, eligible items, documentation and which paths are available.
| Surface | Purpose | Provider action | Important limit |
|---|---|---|---|
| Marketplace | Families shop available products or offerings | Maintain approved listings, pricing, stock and fulfillment | A marketplace item in one program is not automatically approved in every state |
| Vendor list / search | Families identify providers available to their program | Complete state approval and the vendor profile; keep contact and service details current | ClassWallet account access alone does not prove state approval |
| Pay Vendor | Family directs funds to a provider against an invoice | Give the family a category- and state-compliant itemized invoice | Mixed or ineligible lines can hold or reject the transaction |
| Reimbursement | Family seeks repayment for an eligible purchase it already paid | Provide an invoice and separate proof-of-payment receipt when required | An invoice is not proof that money changed hands |
What counts as a ClassWallet approved item?
There is no one nationwide approved-items list. The underlying state or scholarship defines eligible categories, exclusions, caps, credentials and supporting records. ClassWallet applies that program’s controls at checkout or review. A laptop, curriculum bundle, tutoring session or therapy service can be handled differently across programs and student awards.
Check the official state source first, then use the live ClassWallet experience for the family’s account. Avoid publishing “ClassWallet approved” as if it were a permanent property of a product. A more accurate statement is that a particular offering is available or approved for a named program at a stated time, subject to the family’s eligibility.
ClassWallet DirectPay vs reimbursement: the short answer
DirectPay connects the user’s program funds directly to an approved service-provider vendor against an invoice or structured transaction. Reimbursement pays back an eligible participant or vendor after an out-of-pocket expense and therefore needs accepted proof that payment occurred. ClassWallet’s current product pages describe invoice scanning, editable line items and category assignment for DirectPay; its reimbursement workflow captures receipts and invoices, validates them against agency guidelines and tracks the request through payment.
For vendors, the operational question is not which label sounds faster. It is which path the family’s named program permits for the expense. In DirectPay, make the unpaid amount, provider identity and itemized educational service clear. In reimbursement, give the payer an itemized invoice and a separate paid receipt or other accepted proof after payment. Keep the documents linked, but never label an unpaid invoice “paid” or treat a card slip as a complete service invoice.
ClassWallet vendor registration checklist
- Start with the state program and confirm the provider type, business and credential requirements.
- Use the official ClassWallet vendor account path after the state’s instructions direct you there.
- Match the legal business, tax and bank information used by the approved provider.
- Complete the vendor profile or listings relevant to that program; do not assume one profile publishes everywhere.
- Create invoices with student, dates, educational description, units, rates, totals and credentials required by the state.
- Keep categories clean and separate purchases when program rules require it.
- Match the payment reference, gross amount, service fee, deposit and open balance.
ClassWallet fees and invoice pricing
ClassWallet vendor documentation describes a service fee deducted from many vendor payouts, commonly summarized around 2.5%, but the program and transaction control the actual treatment. Price from the net amount you expect and confirm whether a fee may be passed through. If the program permits a separate fee line, label and calculate it openly; do not hide it inside an educational service or assume every state accepts it.
How ClassWallet pays vendors
- Payout: Approved vendor payments can settle to the enrolled payout account; timing and deductions depend on the program and transaction.
- Fees: Vendor fees and fee treatment depend on the state program, transaction path and current vendor terms.
- Flow: Depending on the program, a family may use a vendor-payment request, marketplace order or reimbursement workflow. The administering organization sets eligibility and required evidence.
Why ClassWallet payments get rejected (and how to avoid it)
- An ineligible line, wrong category or mixed-category order can affect review where the selected program applies category-level controls.
- A reimbursement path can require proof that payment occurred in addition to an itemized invoice; verify the accepted evidence for that program.
- A regulated or credential-gated service can require evidence for the person who delivered it, not only the business receiving payment.
- Do not add or pass through a platform fee unless the current program and vendor terms allow it and specify how it must be shown.
Check a ClassWallet invoice before submission
Our free generator builds an itemized starting point and flags common field, arithmetic and documentation risks. Verify the current program and transaction requirements before submitting.
Six visual checks
The ClassWallet evidence and payment chain in six visuals
Use these as a sequence: verify the source, pass every eligibility layer, confirm the expense, assemble the packet, follow the transaction status, then match the deposit. Each visual summarizes a separate decision and the official program still controls.
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 →
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 provides wallet and transaction technology for multiple education-funding programs. Vendor approval, available payment paths, supporting documents, fees and final decisions remain program-specific.
How does ClassWallet pay vendors?
Approved vendor payments can settle to the enrolled payout account; timing and deductions depend on the program and transaction. Depending on the program, a family may use a vendor-payment request, marketplace order or reimbursement workflow. The administering organization sets eligibility and required evidence.
What are the ClassWallet vendor fees?
Vendor fees and fee treatment depend on the state program, transaction path and current vendor terms. 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, 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?
An ineligible line, wrong category or mixed-category order can affect review where the selected program applies category-level controls.
Where do I log in to the ClassWallet vendor portal?
Vendors log in at classwallet.com (Vendor login). Remember the sequence: your STATE program approves you first, then you register on ClassWallet — a ClassWallet account alone does not make you an approved ESA vendor.
How do I get on the ClassWallet vendor list?
Start with the administering program's provider or vendor guidance. A ClassWallet account alone does not prove program approval, marketplace visibility or access to a particular payment path.
What is ClassWallet direct pay?
DirectPay is a vendor-payment workflow in which an invoice or payment request can be reviewed against program funds. The family, provider and administrator steps, required evidence, fee treatment and timing depend on the program configuration.
How to become an ESA vendor (all states) → · ESA terms explained →