Where to find your payment settings on Poshmark

Your payment method lives in your account settings, not in a separate payments section. Open the Poshmark app or website, tap or click the profile icon in the bottom right corner (app) or top right (web), then select "Settings." From there, look for "Payments" or "Payment Methods"—the exact label depends on whether you're on iOS, Android, or the web version, but it's always in the main settings menu.

Once you're in the Payments section, you'll see your current payment method listed. This is where you add a new card, remove an old one, or change which method Poshmark uses when you make a purchase or receive earnings from a sale.

Key Takeaways

  • Your payment method is stored in Settings > Payments, accessible from your profile icon in the app or website.
  • You can add a new card without removing the old one, then set which card is your default for purchases.
  • Poshmark accepts Visa, Mastercard, American Express, and Discover; prepaid cards work if they're registered to your name.
  • Changes to your payment method take effect when ready for new purchases, but existing pending transactions use the card you had on file when you checked out.
  • If a card is declined during checkout, Poshmark will prompt you to update it before the transaction can complete.

Adding a new card without deleting the old one

Poshmark lets you store multiple cards at once. Tap "Add Payment Method" or the plus icon in your Payments section, then enter the card number, expiration date, CVV, and billing zip code. The card processes when ready—Poshmark does not hold a charge, but your bank may show a small temporary authorization that clears within a few days.

Once the new card is added, you can choose which one is your default for purchases. Your default card is what Poshmark charges when you buy something. You don't have to remove your old card unless you want to; keeping it on file means you have a backup if your primary card is declined or lost.

Setting a default payment method for purchases

If you have multiple cards on file, Poshmark will ask you which one to use at checkout. You can select a different card each time you buy, or you can set one as your default so it's pre-selected. To change your default, go to Settings > Payments, find the card you want to use, and look for an option to "Make Default" or a radio button to select it.

This default applies only to purchases you make on Poshmark—when you buy from another seller. Your earnings from sales go to whichever payment method you've designated for deposits, which is a separate setting (usually a bank account or debit card, not a credit card).

Removing a card you no longer want to use

Open Settings > Payments, find the card you want to remove, and look for a delete or trash icon. Tap it, and Poshmark will ask you to confirm. The card is removed when ready and cannot be charged going forward.

If the card you're removing is your default, Poshmark will automatically set another card as default before you can delete it. You cannot have zero payment methods on file—you must have at least one active card to make purchases.

What happens if your card is declined at checkout

If Poshmark tries to charge your card and it's declined, the purchase does not go through. You'll see an error message asking you to update your payment method. At that point, you can add a new card, select a different card from your existing ones, or contact your bank to find out why the charge was declined.

Common reasons for decline include insufficient funds, the card being expired, the card issuer blocking the transaction as fraud, or the billing zip code not matching your bank's records. Once you've fixed the issue—whether that's adding funds, updating your card details, or calling your bank—you can retry the purchase when ready.

Cards Poshmark accepts and prepaid card rules

Poshmark takes Visa, Mastercard, American Express, and Discover. Most debit cards work as long as they carry one of these logos. Prepaid cards are allowed if they're registered to your name and have a billing address on file with the card issuer.

Virtual card numbers and some temporary card services may not work because Poshmark's system cannot match them to a billing address. If you're using a prepaid card and it's being declined, contact the card issuer to confirm your name and address are registered, then try again.

Timing: when your new payment method takes effect

A new card is active when ready after you add it. If you change your default card and then make a purchase, the new default is charged. However, if you already have items in your cart and you change your payment method before checking out, the new method is used. Once you've completed a purchase, that transaction is locked to the card you had selected at checkout—changing your payment method afterward does not affect it.

For sales you make (when someone buys from you), your payout method is separate from your purchase method. Payouts go to the bank account or debit card you've designated in your "Earnings" or "Payouts" settings, not to a credit card.

Frequently Asked Questions

Can I use the same card for both buying and receiving payouts?

No. Poshmark requires payouts to go to a bank account or debit card registered in your name. You can use a debit card for both purchases and payouts, but credit cards can only be used for purchases. Set up your payout method in Settings > Earnings or Payouts.

What if I don't have a card and want to use PayPal or Apple Pay?

Poshmark does not currently accept PayPal or Apple Pay directly. You must use a physical card (credit, debit, or prepaid) registered to your name. Some prepaid card services like Chime or Green Dot can be used if they're registered with your name and address.

Do I need to update my payment method if I got a new card with the same number?

Yes. If your bank reissued your card with a new expiration date or CVV, you need to update those details in Poshmark. Remove the old card and add the new one, or edit the existing card entry if Poshmark allows it (some versions let you update expiration and CVV without re-entering the full number).

Why is Poshmark asking me to update my payment method when I haven't made a purchase?

Poshmark may prompt you to update if your card is expiring soon, if there was a failed transaction attempt, or if the card issuer flagged the account. Check your email for any notifications from Poshmark or your bank, and update your card in Settings > Payments to clear the prompt.