How to submit a payment deposit request

A wallet top-up is a simple thing that becomes complicated for exactly one reason: people transfer the money and then cannot tell anyone precisely which transfer they made.

So the whole of this guide really reduces to a single habit — keep the reference number.

Submitting a deposit request

1. Make the transfer using whichever route your account uses.
2. Copy the transaction reference immediately. UTR, transaction ID, order number — whatever your bank or app calls it. Do this before you close the screen, because retrieving it later is far more annoying than copying it now.
3. Sign in to your SiOnline panel.
4. Open the deposit or payment request section.
5. Enter the exact amount. To the rupee. A request for ₹5,000 against a transfer of ₹4,999 will not match.
6. Enter the transaction reference. Type it; do not rely on a screenshot being readable.
7. Add the date and time of the transfer.
8. Submit, and note the request number your panel gives you.

Why the reference matters so much

Automatic balance update runs around the clock, and most deposits reflect without anyone looking at them.

When one does need matching by hand, the reference is the only thing that uniquely identifies your transfer. Several agents depositing ₹5,000 within the same hour look identical at the bank’s end — the amount does not distinguish you, and neither does the approximate time.

An agent who says “I sent ₹5,000 about an hour ago” has given us nothing to search on. An agent who gives a reference has given us everything.

When a deposit does not appear

Work down this in order:

1. Confirm the money actually left your account. A transfer that failed at the bank never reached anyone.
2. Wait briefly and refresh. Settlement lag is real and usually short.
3. Check the amount matches what you entered on the request, exactly.
4. Check the reference is correct — a transposed digit is common and produces silence.
5. Then call us with the reference, the amount and the time.

Do not transfer again

This is worth stating on its own, because it is the instinct under pressure.

If a deposit has not appeared, resist sending a second one. You will almost certainly end up with two transfers to reconcile instead of one, and the second is harder to unpick than the first was.

Call first. A missing deposit is nearly always a matching question with a short answer.

Keeping your own record

Agents who never have trouble with this share one habit: they keep a simple log. Date, amount, reference, and whether it reflected.

It takes seconds per deposit and turns every future query into a lookup rather than an investigation. When something does go wrong — and over enough transfers something will — the difference between having that record and not having it is the difference between a five-minute call and an afternoon.