It pays to pay with OnestpayLink your debit card
Create and verify your account, then link your existing debit card.
OnestPay BenefitsYour debit card.
Your debit card.
More rewards.
Keep your existing bank account. Earn cashback on eligible purchases at participating brands. Track your rewards in one place, with a clear verification and payment process.
Link Your Debit Card Explore Benefits
1. Your Card and Your Bank
Keep what already works for you.
Use your existing debit card and bank account. There is no new card to carry and no need to move money into a spending wallet before you shop.
Key Benefits
Existing Debit CardExisting Bank AccountNo Advance FundingFunds Stay at Your Bank
Do I need a new debit card?
No. Link your existing debit card to OnestPay and use it to fund eligible purchases through the app.
Do I have to open another bank account?
No. Keep your existing checking account and the debit card linked to it.
Do I have to add money to OnestPay before shopping?
No. Funds stay in your bank account until you authorize a purchase. OnestPay charges your linked debit card as part of the payment flow.
Does my money keep its FDIC protection?
Eligible deposits remain at your bank until payment and retain FDIC insurance, subject to applicable limits. This does not establish FDIC coverage for your OnestPay cashback wallet.
2. Cashback and Everyday Value
Earn rewards on purchases you already planned.
Use OnestPay at participating brands to earn the cashback shown for an eligible purchase. Your reward is credited when the purchase is completed and confirmed.
Key Benefits
Brand-Based CashbackInstant CreditRate Shown Before PaymentResponsible Spending
How do I earn cashback?
Open OnestPay, select a participating merchant, enter your checkout amount, review the offer, and complete payment using the merchant-specific code. Eligible completed purchases earn the displayed cashback.
Does every debit-card transaction earn cashback?
OnestPay cashback applies to eligible purchases made through its payment flow at participating brands. Ordinary debit-card purchases outside that flow do not automatically qualify.
When does cashback appear?
Cashback is credited immediately when the eligible purchase is completed and confirmed. A payment request or code generation alone does not establish purchase completion.
Why do rates vary by brand?
Participating merchants offer different discounts. OnestPay shares a portion of the applicable discount with you as cashback. Check the offer before authorizing your purchase.
3. One Wallet for Your Rewards
See your rewards and purchases in one place.
Track your OnestPay cashback balance and transaction history digitally. Keep your everyday spending at your bank and your OnestPay reward activity organized in your account.
Key Benefits
Cashback BalanceTransaction HistoryDigital AccessReward Tracking
What can I see in my OnestPay wallet?
View your available cashback balance and eligible OnestPay transaction activity in your account.
Does the wallet replace my checking account?
No. Your linked checking account funds purchases through your existing debit card. The OnestPay wallet tracks rewards and account activity.
How does this support responsible spending?
OnestPay rewards eligible debit-funded purchases you choose to make. It does not require a new credit account or borrowing to access this payment flow. Your bank’s account terms still apply.
How can I make my rewards add up?
Use OnestPay for eligible purchases you already planned and follow your cashback history over time. Actual rewards depend on eligible spending and brand offers.
4. Verification and Payment Control
A clear process before you pay.
Verify your account, link your debit card, and review each eligible payment. OnestPay provides a merchant-specific, single-use code for the selected purchase.
Key Benefits
Phone and Email VerificationID and Live SelfiePayment ReviewSingle-Use Codes
How do I verify my account?
The proposed onboarding flow verifies phone and email, collects legal name and residential details, and requests an ID document and a live selfie check. Name, country, and address appear on separate screens.
What happens at checkout?
Select the merchant and amount, review the applicable offer, and confirm payment. OnestPay charges your linked debit card and delivers a merchant-specific code to use at checkout.
How does the payment code work?
The code is designed for the selected merchant and purchase as a single-use payment code. Keep it private and use it according to the merchant’s acceptance instructions.
Are account checks the same as payment approval?
No. Identity verification, debit-card authentication, and transaction approval are separate checks. A verified account does not guarantee that every payment will be approved.
Debit card comparison
Same card. More opportunities to earn.
See what changes when you use your existing debit card through OnestPay.
| Feature | Regular Debit Card | Debit Card Linked with OnestPay |
|---|---|---|
| Card and bank account | Your existing card and checking account | Your existing card and checking account |
| Cashback | Depends on your bank’s program | Displayed cashback on eligible OnestPay purchases at participating brands |
| Reward timing | Depends on your bank’s program | Instant credit after eligible purchase completion and confirmation |
| Advance funding | No advance transfer to OnestPay | No advance transfer to OnestPay |
| Checkout experience | Pay with your debit card | Choose merchant and amount in OnestPay, then pay with the generated merchant code |
| Reward tracking | Depends on your bank’s program | Cashback balance and eligible transaction history in OnestPay |
Rates, eligibility and merchant requirements vary. OnestPay cashback applies to eligible purchases completed through its payment flow. Bank account fees and terms still apply.
Your OnestPay purchase in four steps
Choose merchant and amount
Open OnestPay at checkout and review the amount and brand offer.
Confirm and pay
Authorize the debit-card charge and use the generated merchant-specific code at checkout.
Receive cashback
Your wallet receives cashback after the eligible purchase is completed and confirmed.
Put your debit card to work.
Use OnestPay for purchases you already planned and earn available cashback at participating brands.
Link Your Debit Card