You can reload Apparel Workshop the by using only those modes of payment as enabled by Us.
(i) Apparel Workshop can be topped up by taking refunds for items returned which were paid via Cash on Delivery (COD) option (ii) By topping up Apparel Workshop via the purchase of a Gift Card with Online Payment Instruments i.e. Net Banking, Debit Cards, Credit Cards, Wallets e.g. PhonePe, Google Pay
These payment modes may be revised by Us from time to time at Our sole discretion.