You can use debit and prepaid cards on if.
However, because crowdfunding has a unique payment flow,
you may occasionally see duplicate charges or delayed refunds.
For this reason, credit cards are recommended whenever possible.
You can use Visa, MasterCard, and JCB branded
debit cards and prepaid cards on if.
However, since these cards process funds differently from credit cards,
you may experience temporary “double charges” or longer refund times.
| Type | Credit Card | Debit / Prepaid Card |
|---|---|---|
| Timing of charge | Billed later (after confirmation) | Immediately withdrawn |
| Authorization (pre-approval) | Temporary authorization → Final charge later | Immediate charge, then later re-authorization or cancellation |
| Risk of double charge | Rare | Possible temporarily |
| Refund speed | Instant to a few days | Several days to weeks possible |
💡 It’s a temporary hold that confirms the card is valid for the payment.
The actual withdrawal happens later when the payment is finalized.