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How do I manage payment methods?

You can add, update, and remove payment methods in your account settings. Your options depend on whether you have an individual or business account—and which country you're ordering from.

Available payment methods

Individual accounts:

Credit/debit cards (Visa, Mastercard, Amex)
Local payment methods (varies by country)

Business accounts:

Everything above, PLUS:
Invoice payment (net 14 days, requires credit check)

Good to know: Invoice payment is only for business accounts with a valid VAT ID. Individual accounts must use card or local payment methods.

How to add a payment method

1. Log in to your account

Go to droppe.com and sign in.

2. Go to Account Settings

Click your profile icon or name in the top right corner.

3. Select "Payment Methods" or "Billing"

4. Click "Add Payment Method"

5. Choose your payment type:

Card (credit/debit)
Local payment methods (if available in your country)
Invoice payment (business accounts only—requires credit check)

6. Enter payment details

For cards: Card number, expiry date, CVV, billing address
For invoice payment: Company name, VAT ID, billing address

7. Save

Your new payment method is now available at checkout.

Quick tip: You can set a default payment method for faster checkout. Most orders will use this method automatically—but you can always choose a different one at checkout.

How to update a saved payment method

Why you'd need to do this:

Your card expired and you got a new one
Your billing address changed
You want to update your invoice payment details

How to update:

1. Go to Account Settings → Payment Methods

2. Find the payment method you want to update

3. Click "Edit" or the pencil icon

4. Update the details:

New card number or expiry date
Updated billing address
Changed company information (for invoice payment)

5. Save changes

Quick tip: If your card expired, most banks issue new cards with the same number but different expiry dates. Just update the expiry date—no need to delete and re-add.

How to remove a payment method

1. Go to Account Settings → Payment Methods

2. Find the payment method you want to remove

3. Click "Remove" or the trash icon

4. Confirm deletion

Done. The payment method is removed from your account.

Important: You can't remove a payment method that has pending charges or active subscriptions. Clear those first, then remove the method.

Card vs invoice payment: What's the difference?

Here's the honest breakdown:

Feature	Card Payment	Invoice Payment
Who can use it	Everyone	Business accounts only
Credit check	Not required	Required (SCHUFA or equivalent)
Payment timing	Immediate at checkout	Net 14 days after shipping
Late payment fees	N/A	€5 (2nd reminder), €20 (3rd), €40 (collection)
Best for	Individuals, fast checkout	Businesses with invoice workflows

Why we offer both:

Card payment is fastest—checkout in seconds
Invoice payment fits business accounting workflows (most companies pay invoices every 2 weeks)

What we think is fair: Individual orders use card payment (immediate, no risk). Business orders can use invoice payment if they pass a credit check (protecting our ability to offer this service to everyone).

Invoice payment: How it works

If you're a business account, here's how to enable invoice payment:

1. Upgrade to a business account

You'll need a valid VAT ID and company registration.

2. We run a credit check

This is a "conditional inquiry" (Konditionsanfrage in Germany) that doesn't affect your credit score. It just verifies your company's ability to pay invoices.

3. If approved, invoice payment is enabled

You'll see "Pay by Invoice" at checkout. Choose it and complete your order.

4. Invoice arrives after shipping

You'll receive an invoice by email with payment details. Pay within 14 days.

5. Late payment fees apply if you miss the deadline:

€5 for 2nd reminder
€20 for 3rd reminder
€40 if sent to collections

Good to know: Credit checks are only performed once when you enable invoice payment. We don't re-check for every order (unless there are payment issues).

What if my credit check is declined?

Why this happens:

Insufficient credit history
Recent payment issues with other vendors
Company is too new (less than 6 months old)

What you can do:

Use card payment instead (no credit check needed)
Wait a few months and reapply (credit history improves over time)
Contact us to discuss alternative verification options

What we think is fair: We're a growing startup company, not a bank. Credit checks help us offer invoice terms to businesses that'll likely pay on time, while protecting our ability to serve everyone. If you prefer not to do a credit check, card payment works just as well.

Local payment methods by country

Payment options vary depending on where you're ordering from:

Germany:

Visa, Mastercard, Amex
Invoice payment (business accounts with credit check)

Finland:

Visa, Mastercard, Amex
Invoice payment (business accounts with credit check)

Sweden:

Visa, Mastercard, Amex
Invoice payment (business accounts with credit check)

Austria, Netherlands, Belgium, Italy:

Visa, Mastercard, Amex
Invoice payment (business accounts with credit check)
Additional local methods may be available at checkout

Quick tip: Log in and visit checkout to see all available payment methods for your country.

Security and data protection

How we protect your payment data:

All payments are processed via Stripe (PCI DSS Level 1 certified)
Card details are encrypted and never stored on Droppe servers
We never see your full card number—only the last 4 digits

What this means: Your payment information is as secure as it gets. Stripe handles billions in payments annually and meets the highest security standards.

Good to know: We never ask for payment details via email or chat. If someone claiming to be from Droppe asks for your card number, it's a scam. Report it to us immediately.

What if my payment fails?

Common reasons payments fail:

Insufficient funds
Card expired
Incorrect CVV or billing address
Bank fraud protection blocked the transaction

What to do:

1. Check the error message

Most payment failures show a specific error (e.g., "Card declined—insufficient funds").

2. Fix the issue:

Update your card details if expired
Verify billing address matches your bank records
Ensure sufficient funds are available
Contact your bank to unblock the transaction

3. Try again

Once you've fixed the issue, place your order again.

Still not working? Contact us and we'll help troubleshoot. Sometimes switching to a different payment method works (e.g., try a different card or use invoice payment).

Can I split payment across multiple methods?

Unfortunately, no. Each order must be paid with a single payment method.

Why: Our payment processor (Stripe) and brand fulfillment systems are designed for single payment per order. Splitting payments would complicate order tracking and refunds.

Workaround: If you need to spread costs, place multiple smaller orders using different payment methods. Or use invoice payment (for business accounts) to delay payment by 14 days.

What about refunds?

Refunds are automatically issued to the original payment method:

Card payments: Refunded to your card within 1-2 business days after return inspection
Invoice payments: Credit note issued if you've already paid, or invoice adjusted if not yet paid

Questions?

Need help setting up invoice payment? Drop us a message or chat with us. We'll walk you through the credit check process.

Payment method not working? Contact your bank first to verify the issue. If it's still not working, we'll help troubleshoot.

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Updated on: 06/11/2025

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