Payment Methods

Wishdrop accepts the following at checkout:

• Debit and credit cards — Visa and Mastercard, processed by our licensed payment gateway partner.
• Mobile wallets — where available for your bank/provider at checkout.
• Wishdrop wallet credit — balance from refunds, referrals, or loyalty rewards, applied automatically before any other method is charged.
• Coupon codes and promotional credit — applied as a discount on top of the above, not a standalone payment method.

Available methods can vary slightly by order type and your bank, and are always shown at checkout before you confirm payment.

Card and wallet payments are processed directly by our payment gateway partner over an encrypted connection. Wishdrop does not store your full card number, CVV, or wallet credentials — only a transaction reference, payment status, and (for cards) the last four digits, as described in our Privacy Policy.

Payment is collected in full when you accept a quote, before Wishdrop purchases the item on your behalf. For catalogue orders, this happens at checkout; for a submitted request, it happens once you accept the quote we send back. See Terms of Use for what happens if a payment fails after an item has already been purchased.

Prices are shown and charged in the currency displayed at checkout. Where a product's underlying price is in a different currency (for example, INR for an Indian seller), Wishdrop converts it into your checkout currency as part of the quote — the total you accept is the total you pay, with no separate conversion step at payment time.

Approved refunds are issued as Wishdrop wallet credit or a reversal to your original payment method, per our Refund & Cancellation Policy. Card reversals can take 5–14 business days to appear, depending on your bank.

If a payment is declined, double-check your card limits, 3-D Secure/OTP approval, and that your bank allows international or online transactions. If the issue persists, contact us via Contact us with your order or request number and we'll help sort it out.