👉 Overgoads are a type of digital payment method that allows users to pay for goods or services by using their credit card, but they also have the option to use a different credit card. This means that users can choose between using their own credit card or another credit card with which they have already established an account. Underovergoads are similar in concept to overgoads, but instead of requiring a separate payment method for each transaction, users can pay using their existing credit card