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Underdog Rips logo27 of 33 terms published

How Underdog Rips works and makes money

You buy a digital pack inside the Underdog Sports app and one physical card, supplied and stored by Phygitals, is revealed. You have three days to ship it or sell it back at the value Underdog set.

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By Alexander Korsager · Checked 7 October 2026 · We earn nothing from any app on this site

Tap the pack to walk one rip at Underdog Rips, with its own published term at each step. No money, no real cards.

A rip, step by step

Tap a step. Each figure opens the page it was read on. A dashed tile is a term not found on Underdog Rips' public pages.

1. Sign up and fund

6 of 6 terms published
  • Minimum age
    18

    Read on the operator's own page

    “any individual under the age of 18 (or the minimum age in your state of residence, which may also be 19 or 21)”

    From the Rips terms, version 1.3, effective 29 September 2026. The store listings say 19+ in Alabama and Nebraska and 21+ in Arizona, Massachusetts and Virginia for the Underdog app.

    Checked 6 Oct 2026.

    Open the source
    From its own terms or store listing.
  • US states excluded
    Nevada

    Read on the operator's own page

    “Rips is available in all states except for Nevada. Customers in Canada will also not be able to access Rips.”

    The Rips terms name no state: 'Underdog Rips are not available in all states', and availability can change 'at any time without notice'. US only.

    Checked 6 Oct 2026.

    Open the source
    Where the terms say you cannot buy.
  • Runs on
    iPhone, Android

    Read on the operator's own page

    “Underdog Rips: There’s hope left in the world. Trading cards are back. Buy a pack, see odds upfront, rip it open.”

    The help centre says Rips is 'in the Games section of the app' and links both store listings. The Google Play listing does not mention Rips. app.underdogsports.com/rips leads to a login, so whether packs can be opened on the web was not seen.

    Checked 6 Oct 2026.

    Open the source
    Where you can open an account and buy.
  • Where it lives
    The Games section

    Read on the operator's own page

    Checked 7 Oct 2026.

    Open the source
    “You can find Underdog Rips in the Games section of the app.” The result shows “in your account”.
  • Deposit with
    Trustly, PayPal, card, Apple Pay, Venmo

    Read on the operator's own page

    Checked 7 Oct 2026.

    Open the source
    The Underdog account's methods; Google Pay is being rolled out on Android. No Rips page says how a pack itself is paid for.
  • Sales tax
    None at purchase

    Read on the operator's own page

    Checked 7 Oct 2026.

    Open the source
    “No sales tax is collected at the time you purchase or open an Underdog Rip.” On a shipped card it is charged “to the extent required by applicable law”.

This guide covers the mechanics only. Whether it suits you is in the Underdog Rips review, and the basics of the format are in what card ripping is.

Where the money goes

One pack, followed from your payment to what arrives. Only terms read on Underdog Rips' own pages enter the sum.

Pack price
The card is valued at
Underdog Rips publishes no average for this pack, so the sum starts from an assumption. Dashed choices are assumptions, not published figures.
  1. You pay$100
    The price of one Sports and Pokémon pack.
  2. Card value (assumed)$100
    An assumption, not a published figure. Underdog Rips sets the value its offer is based on.
  3. Sell-back offer$100
    Rate:
    100%

    Read on the operator's own page

    “the buyback offer is set at 100% of FMV — the same value determined at pack reveal”

    100% of a value Underdog sets itself, from Alt, CardLadder and its own pricing system. The terms give no percentage: 'you will be credited the fair market value'. The options article adds 'if that option is available for the card'.

    Checked 6 Oct 2026.

    Open the source
    of the value Underdog Rips sets.
  4. Arrives as a balance$100
  5. Selling fee
    Not published

    We looked and the operator does not publish it

    No selling fee is stated on the pages read.

    Checked 6 Oct 2026.

    Paid as
    Cash: advertised, not in its terms

    The operator's marketing says this; its terms do not

    “Keep it or flip it back for cash.”

    The terms say only that 'you will be credited the fair market value'. Underdog balances are either withdrawable cash or bonus funds, and no page read says which one a Rips credit is.

    Checked 6 Oct 2026.

    Open the source
    Can be withdrawn
    Yes

    Read on the operator's own page

    “you may close your Account and withdraw your Account balance at any time and for any reason”

    True of the Underdog account. A help article says “Only the withdrawable portion of your account balance can be withdrawn”, and no page read says a Rips sell-back credit is in it.

    Checked 6 Oct 2026.

    Open the source
  6. On the assumption that the card is worth the pack price, the full $100 comes back. Underdog Rips publishes no average card value, so the real figure cannot be worked out. No selling fee is published, so none is taken off here.

How a sell-back is paid, cash or credit, is not confirmed on a public page.

Run the same sum for every app in the cash-back calculator, weigh the three exits in keep, sell or ship, or see every app's exit terms on the cash-out page.

How Underdog Rips makes money

Only lines its own documents state, or that follow from its published numbers. Nothing here is an estimate.

Stated on its own pages1
Follows from its published numbers0
Not published4
  • Stated on its own pages

    Sell-back discount

    None in the rate

    Read on the operator's own page

    “the buyback offer is set at 100% of FMV — the same value determined at pack reveal”

    100% of a value Underdog sets itself, from Alt, CardLadder and its own pricing system. The terms give no percentage: 'you will be credited the fair market value'. The options article adds 'if that option is available for the card'.

    Checked 6 Oct 2026.

    Open the source
    The offer is 100% of Underdog Rips' own estimate. Any cut is taken as a fee.
  • Stated on its own pages

    Dormant account fee

    $4 a monthThe Underdog terms allow it on an account with no entry, deposit or withdrawal for 18 months. They do not say whether a pack purchase counts as activity.Read the source
  • Not published

    4 lines its own pages do not state

    • Pack price above average card valueCannot be worked out
    • Fee on a sell-back
      Not published

      We looked and the operator does not publish it

      No selling fee is stated on the pages read.

      Checked 6 Oct 2026.

    • Shipping or retrieval fee
      Inside the app

      Only visible after signing in

      “Shipping fees may differ for each card, as they depend on the vault where the card is stored.”

      No amount is published; the cost is shown at the claim step. Underdog says it adds nothing to the vault's fee. Sales tax is charged on a shipped card where the law requires.

      Checked 6 Oct 2026.

      Open the source
    • Split between Underdog and PhygitalsNot published

What Underdog Rips pays for its cards, its margins and how the business is doing are not published, and we do not guess. Whether the numbers can favour a buyer at all is the subject of is card ripping worth it.

The clock after the reveal

How long each choice stays open, from Underdog Rips' own pages.

  1. The revealThe card is revealed and the clocks start.
  2. 3 days

    Read on the operator's own page

    “That offer holds for 3 days from reveal and won't decrease during that window”

    Checked 6 Oct 2026.

    Open the source
    The sell-back offer lapses. A card you have not shipped is sold or returned for you
  3. 24 hours beforeUnderdog “will attempt” a push notification ahead of the automatic sale, if you have notifications on. It may also extend the deadline.Read the source
  4. 60 minutesTo cancel a shipping claim after you submit itRead the source
  5. 48 to 72 hoursA withdrawal is processed, then 1 to 3 business days at the bankRead the source
  6. 10 business daysFrom delivery, to report a damaged or wrong cardRead the source
  7. 30 daysFrom the purchase, to ask for a refund for an error or a counterfeit cardRead the source
  8. Typically 1 to 2 weeks from claim to delivery, or 2 to 3 weeks from the PSA Vault. US addresses only

    Read on the operator's own page

    “Total time from claim to delivery is typically 2–3 weeks for domestic shipments.”

    PSA Vault 2 to 3 weeks; Fanatics Vault and Alt Vault 1 to 2 weeks. 'Estimates and not guarantees'. A claim can be cancelled for 60 minutes.

    Checked 6 Oct 2026.

    Open the source
    Shipping, once you ask for the card

Two companies, two sets of terms

Underdog sells the pack. Phygitals sources, stores and ships the card, and its terms come attached.

Who supplies the cardPhygitals Inc.“An independent third party in connection with sourcing, storing, and shipping the physical trading cards”.✓ Read at sourceSource
Phygitals' termsAgreed at purchase“By completing a purchase, you also agree to Phygitals’ Terms of Service set forth below.”✓ Read at sourceSource
If the two conflictUnderdog's terms win“These Terms shall control.” Disputes go to arbitration under the Underdog terms.✓ Read at sourceSource
Which Phygitals clauses applyNot listed“Certain terms set forth below may not apply”. One attached clause pays buybacks in USDC; Underdog's own section says “credited”.✕ Not confirmedSource
RefundsMay need Phygitals' approvalA refund “may be subject to that partner’s approval”, and its timing may vary.✓ Read at sourceSource
Liability capThe price of that packEach company's total liability is capped at “the amount you paid for the specific Underdog Rip”.✓ Read at sourceSource

Who is behind Underdog Rips

The names on its terms, its store listings and its partner pages. Sourced facts only.

Legal entityUnderdog Sports, LLC d/b/a Underdog FantasyThe Rips terms supplement these terms and do not define 'Underdog' themselves. The legal centre's copyright line names Underdog Sports Holdings, Inc.; the App Store seller is Underdog Sports, Inc.; Google Play's developer is Underdog Sports Wagering, LLC. Cards are sourced, stored and shipped by Phygitals Inc.✓ Read at sourceSource
App Store developerUnderdog Sports, Inc.The name on the App Store listing.✓ Read at sourceSource
Google Play developerUnderdog Sports Wagering, LLCThe name on the Google Play listing.✓ Read at sourceSource
Card supplierPhygitals, Inc.“A Delaware corporation” with an office in Dover, by its attached terms.✓ Read at sourceSource
VaultsPSA, Fanatics and AltNamed for delivery times. Which vault holds a card sets its shipping fee.✓ Read at sourceSource
GradersPSA, BGS, CGC or SGC“As of now, graded slabs in these packs may be from PSA, BGS, CGC, or SGC.”✓ Read at sourceSource
If a grade is wrongLiability disclaimedBoth companies disclaim liability for “errors in authentication or grading”. A “materially misgraded” card is a ground for a refund request.✓ Read at sourceSource
Card valuesAlt, CardLadder, in-house“A combination of Alt, CardLadder, and our own proprietary in-house pricing system”.✓ Read at sourceSource
Shipping mark-upNone, it says“Underdog does not take any additional fees on shipping.” The vault's fee has no published amount.✓ Read at sourceSource

How the other apps work

The same walk-through for each of the others, then every review and the pages that set two apps side by side.

Reviews and head-to-heads

Questions about how Underdog Rips works

How does Underdog Rips work?

You buy a digital pack in the Games section of the Underdog Sports app, from $5 to $2,500, and one physical card is revealed. For three days you can sell it back at the value Underdog put on it, or pay to have it shipped within the US. After three days it is sold back for you.

How does Underdog Rips make money?

Its own pages state: dormant account fee. Not published: pack price above average card value, fee on a sell-back, shipping or retrieval fee and split between Underdog and Phygitals. We do not estimate margins or what Underdog Rips pays for cards.

Where do Underdog Rips cards come from?

From Phygitals Inc., which the terms name as the independent company “sourcing, storing, and shipping” the cards. The help centre names the PSA, Fanatics and Alt vaults. What Phygitals or Underdog pays for a card is not published.

Can you withdraw an Underdog Rips sell-back?

Not confirmed. The App Store listing says “flip it back for cash” and the terms say you are “credited”. An Underdog balance is either bonus funds or withdrawable cash, and no page we read says which one a sell-back lands in.

What is the catch with Underdog Rips?

The clock. A card not shipped within three days is “deemed sold back to Underdog”, with a push notification attempted, not promised. The 100% sell-back is 100% of a value Underdog sets itself, odds are shown only in the app, and the shipping fee has no published amount.

Sources14

  1. Underdog Rips terms of use, version 1.3, effective 29 September 2026, with Phygitals' terms attached underdogfantasy.pactsafe.io
  2. Underdog legal centre legal.underdogsports.com
  3. Underdog terms of use legal.underdogsports.com
  4. Help: what is Underdog Rips help.underdogsports.com
  5. Help: pack tiers help.underdogsports.com
  6. Help: the odds of pulling each card help.underdogsports.com
  7. Help: options after you open a pack help.underdogsports.com
  8. Help: how a card's value is determined help.underdogsports.com
  9. Help: claiming and shipping your cards help.underdogsports.com
  10. Help: a damaged or incorrect card help.underdogsports.com
  11. Help: deposit methods accepted help.underdogsports.com
  12. Help: how to withdraw help.underdogsports.com
  13. Help: withdrawals FAQ help.underdogsports.com
  14. App Store listing apps.apple.com
Alexander Korsager

Alexander Korsager

Every figure was read on public pages between 6 October 2026 and 7 October 2026. Nothing here has been tested with money yet. cardrip earns nothing from Underdog Rips.