Adding a payment method on Underdog
To add a payment method on Underdog, log into your account, go to your account settings or wallet section, and select the option to add a new payment method. Underdog accepts debit cards, credit cards, and bank accounts linked via ACH. The exact steps depend on whether you're using the web platform or the mobile app, but the process takes about two minutes once you have your card or bank details ready.
You'll need to provide your card number, expiration date, and CVV (for cards), or your routing number and account number (for bank accounts). Underdog will verify the information before the payment method becomes active. Some payment methods may require a small verification deposit that Underdog will credit back to your account within a few business days.
Key Takeaways
- You can add debit cards, credit cards, or bank accounts through your Underdog account settings in under two minutes.
- Card payments require your card number, expiration date, and CVV; bank account payments require your routing and account numbers.
- Underdog may place a small hold on your account to verify a new payment method, which is released within a few business days.
- Once added, a payment method stays on file until you remove it, so you can use it for future transactions without re-entering the details.
Steps to add a payment method on the web
Start by logging into your Underdog account on the website. Look for your account menu, usually found in the top right corner or in a sidebar. Select "Account Settings," "Wallet," or "Payment Methods" — the exact label varies depending on which Underdog product you're using.
Click "Add Payment Method" or a similar button. You'll see options for card or bank account. Choose which type you want to add. For a card, enter your full card number, the expiration date, and the three-digit CVV on the back. For a bank account, enter your routing number and account number. Fill in your billing address if prompted. Review the information for accuracy, then click to confirm.
Underdog will process the information and may place a temporary hold on your account to verify the payment method works. This hold is not a charge and will be released automatically. Once verification is complete, the payment method is ready to use.
Steps to add a payment method on the mobile app
Open the Underdog app and tap the menu icon (usually three horizontal lines) or your profile picture. Navigate to "Account Settings" or "Payment Methods." Tap "Add Payment Method."
Select whether you're adding a card or bank account. For cards, you can often use your phone's camera to scan the card number, or type it manually along with the expiration date and CVV. For bank accounts, enter your routing and account numbers. Confirm your billing address if needed, then submit.
The app will show you a confirmation message once Underdog receives your information. Like the web version, a verification hold may appear and will be released within a few business days.
What happens if verification fails
If Underdog cannot verify your payment method, you'll receive a notification explaining why. Common reasons include a mistyped card number, an incorrect routing number, or a mismatch between the billing address you provided and the address on file with your bank or card issuer.
If this happens, go back to your payment methods, delete the failed entry, and add it again with the correct information. Double-check the card number digit by digit, and make sure your billing address matches exactly what your bank has on record. If the problem persists, contact Underdog support with a photo of your card (covering the full card number except the last four digits) or your bank account statement to help them troubleshoot.
Removing or updating a payment method
To remove a payment method, go to your account settings or wallet, find the payment method you want to delete, and select the delete or remove option. Underdog will ask you to confirm. Once removed, you cannot use that payment method for new transactions, though past transactions remain in your history.
To update a payment method — for example, if your card number changed because you got a replacement card — delete the old one and add the new card as a separate entry. You cannot edit an existing payment method directly; you must remove and re-add it.
Security and fraud protection when adding payment methods
Underdog uses encryption to protect your payment information when you submit it. Your full card number or bank account number is not stored on Underdog's servers in a readable format; instead, Underdog stores a token that represents your payment method. This means even if Underdog's systems were compromised, your actual card or account number would not be exposed.
When you add a payment method, Underdog may ask you to verify your identity by confirming your email address or phone number. This step prevents someone else from adding a payment method to your account without your knowledge. If you see a payment method you did not add, remove it immediately and change your Underdog password.
If you notice a fraudulent charge made using a payment method on file, report it to Underdog support right away. Underdog can help you dispute the charge and may temporarily freeze your account while the dispute is investigated. You should also contact your bank or card issuer directly to report the fraud on their end.
Payment method limits and restrictions
Underdog may limit how many payment methods you can add to a single account. Most accounts can store between 5 and 10 payment methods, though this varies. If you reach the limit, delete a payment method you no longer use before adding a new one.
Some payment methods may have transaction limits based on your account history or the payment method type. For example, a newly added bank account might have a lower limit on your first transaction than a card you've used for months. These limits are designed to reduce fraud risk and typically increase as you use the payment method successfully.
Prepaid cards and virtual card numbers (like those generated by privacy services) may not be accepted by Underdog. If you try to add one and it fails verification, use a standard debit or credit card instead.
Frequently Asked Questions
How long does it take for a payment method to be ready to use?
Most payment methods are ready immediately after you add them, though Underdog may place a verification hold that takes a few business days to clear. You can usually start using the payment method right away, but the hold ensures the payment method is legitimate before you make large transactions.
Can I use the same payment method on multiple Underdog accounts?
Yes, you can add the same card or bank account to multiple Underdog accounts if you own them. However, Underdog may flag unusual activity if the same payment method is used across many different accounts in a short time, which could trigger a fraud review.
What if my bank declines the verification hold?
Contact your bank and ask them to allow small verification holds from Underdog. Some banks block these holds by default as a fraud prevention measure. Once your bank approves them, try adding the payment method again. If the problem continues, use a different card or account.
Can I add a payment method without a billing address?
Most payment methods require a billing address for verification purposes. If you don't have a permanent address, use the address associated with your bank account or the address on file with your card issuer. Underdog will not accept a blank billing address field.
What should I do if I forgot which payment method I used for a transaction?
Go to your transaction history in your Underdog account and click on the specific transaction. The details should show which payment method was used, usually displayed as the last four digits of the card or account number. If the transaction details don't show the payment method, contact Underdog support with the transaction date and amount.