OnestPay™ for Banks & Strategic Partners

Join the movement. Help your customers spend life well—while unlocking new revenue opportunities for your institution.

Whether you serve small businesses, local communities, or individual consumers, OnestPay™ gives you a smarter way to support everyday spending— with real value and real rewards.

For Business Customers (SMBs & Merchants)

You already provide small business checking, lending, and merchant services—why not go one step further?

With OnestPay™, you can offer a powerful, modern loyalty and payment solution that their small business clients will love.

How It Works

• Introduce OnestPay™ as a co-branded or white-labeled feature in your online banking or merchant services suite.
• Help your business customers move beyond outdated gift cards and clunky loyalty apps—by letting them issue customized prepaid credits to their own customers.
• As the referring bank, you earn referral fees upfront and ongoing commissions as those businesses actively use the platform.

Why It Matters

• Helps SMBs boost cash flow by getting paid in advance.
• Reduces merchant processing costs compared to card networks.
• Strengthens your deposit relationships, as prepaid funds flow through the accounts you already hold.
• Positions your bank as a strategic growth partner, not just a financial utility.

For Retail Customers

What if your customers could earn more value every time they shop—with no credit card required? That’s what OnestPay™ offers.

You can introduce OnestPay™ inside yourmobile apps or digital banking platforms, allowing consumers to prepay trusted merchants and enjoy rewards, control, and convenience.

How It Works

• Let customers buy credits from participating merchants directly from your app or through a connected OnestPay™ wallet.
• They can then use, gift, trade, or pool those credits—all with full visibility and control.
• Reward usage with bank-sponsored cashback or bonuses, creating a win-win for the customer and the merchant.

Why It Matters

• Encourages users to shift idle funds into prepaid spending, increasing account activity and engagement.
• Offers rewards even on debit and checking account-based transactions—an area where most banks offer nothing.
• Reduces credit card dependency and aligns with financial wellness goals. Drives community impact by supporting local merchants and businesses directly.
• Drives community impact by supporting local merchants and businesses directly.

Why Partner With OnestPay™

Whether you're a regional bank, a credit union, a payment provider, or a fintech—partnering with OnestPay™ gives you a simple way to:

• Expand your product suite
• Drive new revenue streams
• Strengthen your client relationships
• Support small businesses and communities
• Stay ahead of the curve in embedded payments

Let’s talk.

Get in touch with our partnerships team to learn how OnestPay™ can become a valuable part of your offering.

Get in touch and talk to our partnerships team today.