WiseDep
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Payment Protection | WiseDep

Protect your money.

No matter how you pay.

Credit · Debit · Cash · Check · Zelle · Venmo · PayPal · Cash App · & More

WiseDep coverage

Because not every payment has a chargeback button.

WiseDep gives your money another layer of protection.

$9/MONTHGet Covered →

Why WiseDep

Not every payment comes with a safety net.

You send the money. Then the order never shows up. The work never gets finished. The refund never comes. Or the money you earned never gets paid. That’s when you want WiseDep.

How you pay shouldn’t change how protected you feel.

Your card may already give you certain protections. WiseDep adds another layer — even when you pay another way.

Credit. Debit. Cash. Check. Zelle. Venmo. PayPal. Cash App. & more. However money moves, WiseDep has your back.

WiseDep explained

When your money
is at risk,
we have your back.

When money you’ve paid should come back, money you’re owed goes unpaid, or another payment issue happens, file a claim.

Your money. Protected.

Payment issue?

Whether it's money you paid or money you're owed, file a claim when something goes wrong.

Whether it's money you paid or money you're owed, file a claim when something goes wrong.

Your side gets heard

Tell us what happened and provide the information you have.

WiseDep reviews the claim and may request additional information or documentation when needed.

Recovery of funds

When a claim is approved for the return of funds, we begin the resolution process.

WiseDep reviews the claim and supporting information, requests additional information or documentation when needed, and determines the claim outcome under the Terms of Service. When a return of funds is determined to be appropriate, WiseDep begins the funds-return and resolution process with the parties involved.

Nothing changes
until you need us.

Pay and get paid however you normally do. WiseDep doesn’t replace your bank, card, processor, payment app, or payment method.

WiseDep does not hold or process the original transaction.

Card, cash, check, payment app, or another supported method — your normal payment process stays where it is.

WiseDep Coverage is there when a payment issue requires the claims process.

When you need your coverage

File a claim.
We take it from there.

File claimWe reviewResolution begins
  1. 01Payment issue
  2. 02Claim filed
  3. 03Information provided
  4. 04Claim reviewed
  5. 05Outcome determined
  6. 06Resolution begins

Provide the information you have. WiseDep may request more, reviews the claim, determines the outcome under the Terms of Service, and begins the appropriate resolution process.

When something
goes wrong,
you're not on
your own.

That's what WiseDep Coverage is for.

How WiseDep works

Five simple steps.

  1. 01

    Get covered

    Activate your WiseDep Payment Protection coverage.

  2. 02

    Protect your money

    Add another layer of protection to the money you pay and the money you're owed.

  3. 03

    Pay with confidence

    Card, cash, check, payment app, or another supported method — WiseDep Payment Protection isn't built around a single way to pay.

  4. 04

    File a claim

    If a payment issue happens, tell us what happened and provide the information you have.

  5. 05

    We have your back

    WiseDep reviews the claim, determines the outcome under the Terms of Service, and begins the appropriate resolution process.

Payment Protection shouldn’t stop at your card.

Credit and debit cards can provide their own protections. WiseDep adds another layer — even when your payment happens outside the card.

Protection beyond the card.

More ways to pay. One place to turn.

Your credential

Officially WiseDep
covered.

Every active WiseDep Coverage includes a unique Verification ID and personalized Coverage Certificate.

Sample WiseDep Certificate of Coverage for Alex Johnson, showing Verification ID and Active coverage status

Verified. Protected. WiseDep.

Why WiseDep

Real payment issues. One place to turn.

Sarah M. · Phoenix, AZ

“I use Zelle for a lot of things and I’ve always been a little nervous sending larger amounts that way. I signed up for WiseDep mainly for the extra peace of mind. $9 a month is worth it to me.”

— Sarah M. · Phoenix, AZ

Jason R. · Tampa, FL

“Honestly I signed up because it was only $9. I figured if I ever have an issue with a payment, I’d rather have it than wish I did later.”

— Jason R. · Tampa, FL

Michelle T. · Austin, TX

“I had a refund that kept getting pushed off and I was tired of going in circles. Being able to actually file a claim somewhere made me feel like I had another option. That’s what sold me on it.”

— Michelle T. · Austin, TX

David K. · Denver, CO

“I signed up right before putting a pretty large deposit down with a contractor. Thankfully everything went fine and I haven’t had to use it. Still keeping my coverage though.”

— David K. · Denver, CO

Amanda P. · Charlotte, NC

“At first I thought this was basically just for purchases. Then I realized it can protect money I’m owed too. I do some work on the side so that was actually the part that made me sign up.”

— Amanda P. · Charlotte, NC

Marcus B. · Seattle, WA

“Took me like two minutes to sign up. For $9 a month it was an easy decision.”

— Marcus B. · Seattle, WA

Nicole S. · Chicago, IL

“I buy a lot through Facebook Marketplace and from people directly, so I’ve definitely had a few sketchy payment situations. I like knowing I have WiseDep now if I run into an issue.”

— Nicole S. · Chicago, IL

Chris L. · Nashville, TN

“A few years ago I paid someone $1,200 for work that never got finished and basically had nowhere to turn. That’s literally why I signed up when I saw WiseDep.”

— Chris L. · Nashville, TN

Brittany H. · Columbus, OH

“I actually had to file a claim. It wasn’t a huge amount of money, but it was enough that I definitely wanted it back. When I got the notification that my refund had gone through, I was very happy I had WiseDep coverage.”

— Brittany H. · Columbus, OH

Your money deserves protection.

Get WiseDep Covered

Payment protection

$9/month

Protect your money. No matter how you pay.

  • WiseDep Payment Protection
  • Claims review and resolution process
  • Coverage across supported payment methods
  • Unique WiseDep Verification ID
  • Personalized Coverage Certificate

FAQ

Questions, answered.

WiseDep adds another layer of protection to your money when payment issues happen. If something goes wrong with money you've paid or money you're owed, you can file a claim for WiseDep to review and determine the outcome under the Terms of Service.

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