Virtual Wallet supports CCGs and Local Authorities in delivering Personal Health Budgets, Direct Payments and one-off payments and grants. The funding organisation makes one simple payment into the Virtual Wallet central fund and budgets are then allocated to multiple Virtual Wallets. The Virtual Wallet holder is then able to choose, book and buy products and services to meet their specific needs, with PCG processing all payments. The software provided enables robust financial monitoring and complete transparency for all parties on budget spend. It also enables individuals to continue to have choice and control over commissioned care, without the hassle of having to make payments themselves.