It pays to pay with OnestpayBecome a Debit Card Hero.
Link Your Debit Card.
Start Earning Cashback Instantly.
Link your debit card and pay through OnestPay at participating stores to earn instant cashback on eligible purchases.
Get Started See How It WorksNo Fees. No new card. No bank change.
Everyday purchases. Rewarding possibilities.
Shop 300+ leading brands across the U.S.
Cashback Countdown
Why OnestPay?
Cashback + Choice + Convenience + Confidence
Cashback rates and eligibility vary by brand. Eligible deposits at your bank retain FDIC insurance, subject to applicable limits. This statement does not establish FDIC coverage for the OnestPay cashback wallet.
Customer Mindset
Your debit card, with more rewards.
Keep your card and bank. Use OnestPay for eligible purchases at participating brands.
| Feature | Debit Card + OnestPay | Regular Debit Card |
|---|---|---|
| Your card and bank account | Keep your existing debit card and checking account | Your existing debit card and checking account |
| Advance funding | No need to transfer money into OnestPay before shopping | Pay directly from your checking account |
| How you pay | Pay the merchant with your OnestPay App (already linked to your debit card) | Pay the merchant directly with your debit card |
| Cashback on purchases | Brand-specific cashback on eligible OnestPay purchases | Generally not available |
| When cashback arrives | Instant wallet credit after an eligible purchase completes and is confirmed | Generally not available |
| Reward tracking | View OnestPay cashback and eligible purchase history in one wallet | View account activity and any bank rewards through your bank |
OnestPay cashback applies to eligible purchases completed through its payment flow at participating brands. Linking a debit card alone does not earn cashback on every card purchase. Rates, availability and merchant requirements vary. Bank terms still apply.
Link Your Debit Card →Frequently Asked Questions
Everything you need to know before you get started.
What do I gain with OnestPay?
Earn cashback on eligible purchases through OnestPay using your existing debit card. Choose from 300+ brands, keep your bank account, and track your OnestPay rewards and transactions in one wallet. Cashback rates and offer terms vary by store.
Will I need to change banks or get a new debit card?
No. Link your existing debit card and keep your current bank account. There is no need to transfer money into OnestPay before shopping. Funds stay in your bank account until you authorize a purchase.
Do my ordinary debit-card purchases automatically earn OnestPay cashback?
No. Linking your debit card alone does not earn OnestPay cashback on purchases you make directly with that card. To earn cashback, select an eligible store and complete your purchase through the OnestPay payment process. Review the current offer before confirming.
How do I pay at checkout?
Log in and select Pay with OnestPay. Choose your store, enter the final checkout amount, and authorize and confirm the payment. OnestPay generates a payment code, QR code, or barcode, depending on the store. Enter the code online or show it to the cashier, following the store’s instructions. Cashback is credited to your wallet after your eligible purchase is completed and confirmed.
Why can OnestPay offer cashback?
OnestPay uses stores’ existing gift card infrastructure to access discounted purchase value and shares a portion of that discount with you as cashback. At checkout, you may need to enter your payment code in the “Gift Card” field or tell the cashier you are using a gift card code. Available cashback varies by store and offer.
Can I trust OnestPay with my money?
You keep your existing bank account and debit card. There is no need to prefund OnestPay: you review the store and checkout amount, then authorize the purchase. Your funds remain at your bank until payment. OnestPay is not a bank; eligible deposits at your bank retain FDIC insurance subject to applicable limits. This does not mean your OnestPay cashback wallet is FDIC-insured. Review our Terms of Use, Privacy Policy, and Disclosures before getting started.
What should I do next?
Select Get Started to create your account and link your existing debit card. Browse the available stores and review an offer. When you are ready to make a planned purchase, select Pay with OnestPay and follow the checkout steps. You do not need to spend more to earn rewards.
Earn a $20 Sign-Up Bonus
Sign up, link an active debit card, and spend at least $25.
Your bonus becomes available after a 5-day waiting period.
